Everything you need. Nothing you don’t.
One product, hundreds of thoughtful details. Built for the way modern money moves — and the way modern people actually use a bank.
ACCOUNTS
One account, many currencies.
Hold 38 currencies in a single account. Send and receive at interbank rates, with no markup, no spread, no surprises.
Hold 38 currencies
USD, EUR, GBP, JPY, SGD and 33 more
Hold 38 currencies
USD, EUR, GBP, JPY, SGD and 33 more
Local account details
IBANs, sort codes, ACH and routing numbers
Smart auto convert
Pay in the currency the bill is denominated in
Sub accounts, unlimited
Organize by goal, project, or team
FDIC-insured deposits
Up to $250K via partner banks
CARDS
Cards that
feels
expensive
Issue physical and virtual cards instantly. Set spending limits, freeze with a tap, and track every transaction in real time. Built for the way modern money moves.
Up to 8% cashback on travel
Virtual cards in seconds
Apple Pay, Google Pay, Samsung Pay
No foreign transaction fees, anywhere
Per card limits and instant freeze
PAYMENTS
Send money
anywhere ,
instantly
Multiple rails, all built in. SEPA, ACH, FedNow, SWIFT — pick the right one or let us pick for you.
Instant SEPA & FedNow
Same-day settlement, 24/7
Free ACH transfers
No limits, no fees, no minimums
SWIFT to 180+ countries
Same-day to most major economies
Bulk payments for teams
Pay 100+ vendors in one upload
Scheduled & recurring
Set it once, forget about it
Real-time confirmations
Both sender and recipient notified
WEALTH
Wealth on
autopilot
Earn 4.92% APY automatically. Invest in pre-built portfolios tuned to your goals — no minimums, no advisor fees, no nonsense.
4.92% APY on idle cash
Pre-built portfolios, $0 minimums
Auto-invest, auto-rebalance
Tax-loss harvesting included
Goal projections & tracking
How we compare
Finlace
vs the rest.
FEATURE
Finlance
Traditional bank
Other fintech
Multi currency
✓ 38 currencies
—
5–10 currencies
APY on savings
✓ 4.92%
0.5 – 1%
2 – 3%
Monthly fees
✓ $0
$5 – 15
$0 – 9.99
International fees
✓ None
3% + $25 wire
1 – 2%
Support
✓ 24/7 humans, 90s
Business hours only
Chatbot first
Cashback
✓ Up to 8%
—
1 – 2%
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