Banking that works across borders.
Accounts in several currencies, cards, transfers and international wires, loans, fixed deposits and escrow, all managed from one secure online banking space.
Currency converter
Indicative mid-market ratesBanking for how you live and work
One platform, with accounts and service shaped around five kinds of customer.
Everything in one online bank
Open what you need today and add more later, without visiting a branch.
Accounts
Checking, savings and business accounts in USD, EUR, GBP and other currencies, each with its own IBAN.
Cards
Debit, prepaid and credit cards you can freeze, limit and manage yourself from your phone.
Transfers and wires
Instant transfers to other customers and international wires through SWIFT, with fees shown upfront.
Loans
Personal and business loans with a full repayment schedule before you accept the offer.
Fixed deposits
Lock in a rate for a term you choose and see your interest at maturity before you place it.
Escrow
Buy and sell with confidence: the bank holds the money until the agreed conditions are met.
Bills and standing orders
Pay bills once or on a schedule, and request money from other customers.
Security
Two-step sign-in, a transaction PIN, session timeouts and alerts on account activity.
Today's rates
Published openly, so you know the price before you start.
Exchange rates
1 USD equals| Currency | Rate | Inverse |
|---|---|---|
| AEDUAE dirham | 3.6725 | 0.2723 |
| AUDAustralian dollar | 1.5200 | 0.6579 |
| CADCanadian dollar | 1.3700 | 0.7299 |
| CHFSwiss franc | 0.8800 | 1.1364 |
| CNYChinese yuan | 7.2400 | 0.1381 |
| EUREuro | 0.9200 | 1.0870 |
Open an account in four steps
Most applications are complete within one business day.
Apply online
Tell us who you are, where you live and which currency you want your first account in.
Verify your identity
Upload a photo ID and proof of address. We check them, usually within one business day.
Secure your access
Turn on two-step sign-in and set the PIN you'll use to approve payments.
Start banking
Add money, order a card, pay bills and send transfers from your dashboard.
Pay for goods and services without the risk
When you buy from someone new, escrow protects both sides. The buyer pays into escrow, the bank holds the money, and the seller is paid once the goods arrive and pass inspection.
- Agree the terms, amount and inspection period online
- Release in stages with milestones for larger deals
- If something goes wrong, our team reviews the dispute
- A 1% fee on each release, paid by the seller; refunds are free
- Buyer proposesTitle, amount, conditions
- Seller acceptsChooses where to be paid
- Buyer pays inThe bank holds the money
- Seller deliversInspection period starts
- Money releasedBy the buyer, or automatically
Security in every step
Protection built into how you sign in and how money moves.
Questions people ask
Who can open an account?
Anyone aged 18 or over who can verify their identity, and companies that can provide their registration documents and the identity of their directors and owners.
What do I need to verify my identity?
A valid passport, national ID card or driving licence, and a recent document showing your address. You upload them in online banking.
Which currencies can I hold?
USD, AED, AUD, CAD, CHF, CNY, EUR, GBP, HKD, INR and more. Which ones you can open depends on the account type.
How much do transfers and wires cost?
It depends on your account. Every fee is listed on our fees page, and the exact fee is shown before you confirm a payment.
How do I receive money from another bank?
Give the sender your IBAN and our SWIFT/BIC code PTBKGB2L. You'll find both in your account details.
What if I forget my password or lose my phone?
Reset your password from the sign-in page. If you lose the phone with your authenticator app, use one of your recovery codes or contact us.
Ready when you are
Open an account online, or talk to us about business, corporate and private banking.