A U.S. account
that works
anywhere.
Receive international wires into a dedicated U.S. account. Cash out via bank, crypto, or mobile money — one flat 3.5% fee, no surprises.
Incoming wire · USD
+$12,400.00
Settled in 38s
Banqo23 · Main
9:41Total balance
$24,318.42
Activity
Stripe Inc.
Today · 09:32
Bank payout
Today · 08:11
Upwork
Yesterday
4242 ···· ···· 9087
Mobile money payout
$965.00
Banqo23 · Main
9:41Total balance
$24,318.42
Activity
Stripe Inc.
Today · 09:32
Bank payout
Today · 08:11
Upwork
Yesterday
Incoming wire · USD
+$12,400.00
Settled in 38s
4242 ···· ···· 9087
Mobile money payout
$965.00
Trusted by founders, freelancers and teams worldwide
120+
Countries supported
$0
Monthly account fee
3.5%
Flat withdrawal fee
<2m
Onboarding time
Everything you need in one app.
A focused product surface — no clutter, no upsell, no surprise charges.
Receive globally
Accept international wires from any supported country into your dedicated U.S. account.
Withdraw your way
Send to a bank, swap to crypto, or cash out to mobile money in supported African markets.
Built for trust
Sanctions screening, transaction monitoring, and configurable verification tiers.
How it works
Money in, money out. Effortless.
Open your account
Sign up in under 2 minutes. Complete verification and unlock a dedicated U.S. account.
Receive worldwide
Share your routing and account numbers. Accept ACH and international wires in USD.
Cash out anywhere
Withdraw to a bank, swap to crypto, or send to mobile money — one flat 3.5%.
Receive
Your own U.S. account.
A dedicated routing and account number under your name. Share it with clients, employers, or marketplaces and receive wires the same day.
- Dedicated routing & account number
- Same-day incoming wires
- Real-time notifications
- Statements & exports included
Incoming wire from Stripe Inc.
+$12,400.00
Dedicated U.S. account
Account holder
Your Name
ROUTING
026 073 008
ACCOUNT
9876 ···· 5432
Bank transfer
Send to any IBAN or local account in 60+ countries. Funds arrive in 1–2 business days.
On a $1,000 withdrawal · flat 3.5% fee
Withdraw
Cash out, your way.
Choose how you receive your money: bank, crypto, or mobile money. One flat 3.5% fee applies to every payout method.
Virtual card
Spend online
instantly.
Issue a virtual USD card the moment your account is funded. Subscriptions, ads, SaaS — pay in dollars from anywhere in the world.
- Issued in seconds, freeze in one tap
- Works with Apple Pay & Google Pay
- Real-time spend notifications
Banqo23 Black
Virtual · USD
4242 ···· ···· 9087
Cardholder
USER NAME
Expires
12 / 29
Coverage
Send & receive globally.
A growing network of 120+ countries — with deep mobile-money rails across Africa.
+ 100 more countries via SWIFT correspondent network
Security
Built to protect you.
Every transaction is screened. Every login is verified. Your money sits with a regulated U.S. partner bank — never on our balance sheet.
Bank-grade encryption
TLS 1.3 in transit, AES-256 at rest. Keys rotated and managed in a hardware security module.
Compliance-first
KYC/KYB, sanctions and PEP screening, configurable verification tiers and travel-rule support.
24/7 fraud monitoring
Real-time transaction monitoring with anomaly detection and instant freeze controls.
Pricing
One flat 3.5%.
No monthly fee. No FX markup games. No surprise charges. You always know what you'll receive — to the cent.
- Free dedicated U.S. account
- Free incoming ACH & wires
- 3.5% flat on all payout methods
- No FX hidden margin
Example withdrawal
Same flat rate across bank transfer, crypto, and mobile money.
Built for trust.
Sanctions screening
Every transaction is screened against global watchlists.
Encryption
Data encrypted in transit and at rest with industry-standard ciphers.
Tiered KYC
Light verification to start; full KYC required above $10,000 activity.
Monitoring
Real-time anomaly detection and admin review on suspicious flows.
Trusted by thousands.
"I get paid in USD and cash out to MoMo the same day. Game changer."
"Clean dashboard, transparent fees. Finally a fintech that respects us."
"The dedicated U.S. account made onboarding U.S. clients effortless."
Mobile
Banking in
your pocket.
Track balances, approve transfers, freeze cards. Everything from a phone — built for the way you actually work.
Scan to download