fernway

Money that moves as fast as you do

163 countries. 47 currencies. One account built to keep more of your money where it belongs.

Open an account Send money now

Hold every currency you actually use

Save up to 3.4x when you send, convert and withdraw across 47 currencies — all from one balance.

Open an account Compare the cost

Download foriPhone Download forAndroid

A woman sitting at home checking her phone — photo by nenadstojkovicart, CC BY 2.0

9:41▮▮▮ ◗

Earn 40

Balances

AllInterest

4,182.55

US dollar

2,308.40

Australian dollar

TransactionsSee all

F Ferrolane RailSpent · Thu 1,284.60 AUD842.19 USD

Spend anywhere

Save up to 3.4x when you send money abroad

Moving money across a border shouldn't cost a week's groceries. Fernway shrinks the spread to the smallest number we can run on — a small fee today, a smaller one every year after.

You send exactly

USD

•1.85 USDLinked bank transfer (ACH) fee

•4.60 USDOur fee

−6.45 USDTotal fees

=993.55 USDTotal amount we'll convert

×0.918430Guaranteed rate (22h)

Recipient gets

EUR

You could save up to 7.14 USD
Should arrive in 4 hours

Compare price Get started

A hand holding an unbranded payment card at a desk — photo by Rawpixel, CC0

The card that speaks every currency

Spend and withdraw in 47 currencies at the live rate, converted the second you tap.

Order your card See the details

We're registered with the Federal Money Services Registry (FMSR) in the US

We protect your details with strict standards

Trusted by teams big and small

Go global with a business account made for cross-border teams. Pay contractors, get paid in local rails, and run cash flow across 47 currencies. 218,400 businesses already do.

Open a business account Learn more

For people going places

Portrait of Marisol Etxeberria — photo by Jake Nackos on Unsplash

“ Fernway made moving my salary between two countries feel boring. Boring is exactly what I wanted from a bank. ”

Marisol Etxeberria · Bilbao Watch her story

“ I pay a mortgage in one country and rent in another. Two taps, the live rate, done. ”

Rafe Odunlami · Manchester Read on Verolane

Portrait of Junko Halvorsen — photo by Thanh Xuan Nguyen Ly on Pexels

“ My studio invoices in four currencies. I stopped losing a fortnight of income to conversion. ”

Junko Halvorsen · Lisbon Watch her story

Meet money without maps

We want people to live and work wherever they like. That means money that moves instantly, honestly, cheaply — and, one day, for nothing at all.

Traders at a vegetable market in Kuchaman, Rajasthan — photo by foxypar4, CC BY 2.0

A Fernway account is the plain way to hold and move money internationally. Built for people who cross borders, and built to give you back the hours and the fees you were losing.

Read our mission