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A new country. A fresh financial start.

The smart account built for newcomers. Send money home, manage multiple currencies, and build your financial life - all in one app.

A fresh start

Starting a new life shouldn't mean starting over

Moving to a new country comes with enough challenges. Opening an account, receiving your salary paying rent, and sending money home shouldn't be one of them.

A glass piggy bank printed with a globe

One account. 30+ currencies.

Stop juggling multiple bank accounts. Hold, exchange, and spend in GBP, USD, EUR, INR, NGN, PHP, PLN, MXN and 22 more currencies — all in one place.

Exchange at the real mid-market rate

No monthly fees for multi-currency holding

Instant conversion between currencies

Local account details in 8 countries

Get started in minutes, not weeks.

Create your account

Start your application with just your passport or national ID — add your new local address once you have one.

Add money

Top up with a bank transfer or debit card in seconds.

Send, spend & save

Transfer money home, spend worldwide, and save towards your goals.

A woman checking her phone in an airport terminal

Who It's For

Built for every immigrant journey.

Whether you just arrived or have been here for years — we've got you covered.

The International Student

Arrived with savings in a foreign currency? Exchange at the real rate.

Open your account the day you arrive. Pay tuition, split rent with flatmates, and send leftover funds home — all without bank fees eating your student budget.

The Skilled Worker

Got a new job? Get paid locally and send money home easily.

Get paid in local currency, hold your home currency for family support, and transfer money home on payday — at the real exchange rate, not the bank's rate.

The Family Provider

Your family back home is counting on you — we make it affordable.

Schedule automatic monthly transfers, track when money arrives, and never pay more than you should. Supporting family shouldn't cost a fortune.

Security built into every transaction

Chip and PIN, real-time fraud monitoring, and 256-bit encryption — built in from day one.

Biometric Authentication

Secure every login with multi-factor authentication, including biometrics and hardware tokens.

SOC 2 Type II and PCI Compliance

OneVault's infrastructure meets SOC 2 Type II and PCI-DSS v4.0 standards — independently audited and continuously monitored.

Robust Encryption

256-bit encryption protects your data in transit and at rest with advanced security protocols.

Frequently asked questions

Everything you need to know about the product and billing.

You can start your application from anywhere with just your passport or national ID. To activate your account, you'll need a residential address in a supported country — so you can begin before you travel and finish as soon as you're settled.

Just a valid passport or national ID and a quick selfie for identity verification. You'll add proof of your local address when you have one — a rental agreement, utility bill, or official letter works.

You'll always see the full cost upfront: the real mid-market exchange rate plus one transparent transfer fee — no hidden markups. The exact fee depends on the destination and currency, and it's shown before you confirm.

Yes. Hold EUR alongside 30+ currencies — including INR, NGN, PHP, and PLN — each in its own wallet, and convert between them instantly at the real rate.

Yes. There's no credit check or local history needed — once your account is verified, share your account details with your employer and get paid from day one on the job.

Still have questions?

Our team is here to help. Reach out and we'll get back to you shortly.

Your account, in your pocket.

Download the app and get started in 10 minutes.

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