An account built for the digital age
Get started with the easiest account in the world. FOR FREE
- Wherever you live in the world all you need is an email address to open your Fluid account.
- This gives you instant access to the fastest, cheapest and safest way to manage your money.
- Your digital money is held in our secure custodial accounts, always verifiable 24/7 on-chain.
- Want to manage it yourself? Just transfer to your own Web3 wallet.
- FREE INSTANT global payments.
In development: buy digital assets, earn on your savings, invest in tokenized securities, borrow against your holdings, and lots of other great stuff. Follow our roadmap here.
Connect to your account via the web app and mobile app.
Available now: Globally
Here’s how the account works
- Sign up using your email address.
- We create an account in your name.
- You access your account via the web app and mobile app (in development).
- You can top up this account by purchasing our digital cash (essentially v2.0 stablecoins). *
- Stablecoins can be purchased in the apps, by bank transfer (card purchases in development).
- When the transfer is received, the stablecoins are credited to your account.
- You now have the world’s first digital cash account!
Read more about our 1:1 backed, fully transparent stablecoins here: https://medium.com/@fluid_fi.
The Digital Cash Account and the stablecoins are ideal for:
- Investing in digital assets.
- Yield farming in DeFi.
- Exploring the metaverse.
- Gaming.
- Buying NFTs.
- and more ….
Check out our videos about how to use your Digital Cash Account, for everything from buying coffee to collectables!
Benefits for you
As quick and easy to open an account as using WhatsApp
Open a digital account in seconds and start making your money work harder for you.
If you can send a WhatsApp message, you can manage a Fluid account.
It is that easy. And that fast.
Benefits for you
Manage multiple traditional and digital currencies, all in one app
Fully integrated digital and traditional bank accounts.
With Fluid Finance you can manage all of your currencies in one place, both traditional and digital. The multi-currency wallet allows you to hold up to 32 global currencies.*
You can also hold digital currencies. Right in the app. The accounts are fully integrated which makes everything so much easier.
* Starting with US dollars, Euros, British pounds and Swiss francs.
Benefits for you
FREE INSTANT global transfers
Send money around the world in seconds. FOR FREE
From the app you can send digital money to anyone, anywhere.
Instantaneously. And for free.
If the recipient doesn't yet have a Fluid account, they will be prompted to create one. Which just takes seconds.
Together with our community, we're transforming how money moves.
Benefits for you
The fastest, cheapest, safest way into crypto
Go from your Fluid account to crypto and back in minutes.
Fluid Finance integrates traditional banking with crypto. So you can move seamlessly from your bank account into crypto and back. Rather than a complicated process that takes days, with us it takes only a few minutes.
It is the most convenient way to access the crypto space.
You may never use an exchange again.
Benefits for you
Effortless spending using your Fluid debit cards
Convenient daily spending using traditional OR crypto currencies. You choose.
With Fluid, you have access to all of the benefits you'd expect from your cards, including:
- physical and virtual cards;
- multi-currency card management;
- in app controls;
- Apple, Google, Samsung Pay;
- cash withdrawals;
- and more.
Benefits for you
You are in control of your money
With Fluid Finance, you have the power.
With traditional banks, they hold all of the power.
Fluid Finance is different. Built by users, for users. It flips the old model on its head and puts the user community in control.
At Fluid we don’t force you to keep a minimum balance or make you jump through endless credit checks. We don’t care about your skin colour, what job you do or how you dress. If you want to open an account and join a community of people who want a better banking system for a better world – then you are more than welcome to join our quiet revolution.
Benefits for you
Use your crypto in real life
Spend crypto just like you spend any other currency.
Since Fluid Finance is integrated into both the traditional and crypto worlds, we make moving between them effortless. That means you can use your crypto assets just like any other asset.
Want to buy a coffee or pay bills with your crypto? Well, you've come to the right place.
No where else will you feel as comfortable integrating traditional and crypto currencies as here at Fluid.
Benefits for you
Instant currency exchange. Globally
FX in over 180 currency pairs, with local payout across our network.
Fluid Finance offers real-time foreign exchange pricing, so you always get competitive rates. Our prices come from the trading desks of some of the largest banks in the world, ensuring that you always have the most accurate and up-to-date exchange rates.
For those with complex FX needs, Fluid offers forward pricing (up to 1 year) as well as hedging options. As with everything Fluid, our vision is to help you make your money work harder for you.
Benefits for you
Peace of mind
Your funds are held securely with partner banks.
Holding your funds with Fluid Finance is just as safe as holding them with a bank.
Well, maybe even safer since we also insure all funds against fraud and theft.
That is on the traditional side.
For crypto assets, they are held in world-class digital security vaults.
And insured.
Benefits for you
Sleep well
Your data is protected by world-class security.
Here at Fluid Finance, our main focus is security.
We're very conservative and focused on preserving assets that we hold. Kind of what you'd expect from a Swiss-based firm.
We've implemented world-class data security systems typically only used by the largest global banks or central banks. We're unaware of any other fintech company anywhere that has implemented this level of data protection.
So you can sleep well at night knowing you are well protected.
- As quick and easy to open an account as using WhatsApp
- Manage all your traditional and digital currencies in one place
- Free instant global transfers
- The fastest, cheapest, safest way to buy crypto
- Effortless spending using Fluid debit cards
- You are in control of your money
- Use your crypto in real life
- Instant currency exchange. Globally
- Peace of mind. Your funds are held securely with partner banks
- Sleep well. Your data is protected by world-class security
Here’s how the cards work with the account
You can order cards from within the apps (being rolled out to selected jurisdictions). The types of cards that are available depend on your country of residence, although all cards function globally on the Mastercard or Visa networks.
To get a card, you will be prompted to undergo a simple KYC process that takes less than a minute. This will allow you also to get a Traditional Bank Account, with an IBAN number or other account identifier. There is no need for you to use this traditional account; you can simply use your Digital Cash Account with the cards.
You have the choice of virtual or physical cards.
When you spend digital cash on your card we simply deduct the amount from your balance. It’s that simple.
See Debit cards for more details, including:
- Tiers
- Rewards
- Costs
- Terms & conditions
Here’s how payments work with the account
Fluid users
- You can make payments to anyone, anywhere in the world, that has a Fluid Account.
- Instantaneously.
- And for FREE.
On-chain payments
- You can also make payments in our digital cash to anyone who has a blockchain address.
- Almost instantaneously.
- And at very low cost, depending on the chain.
- See transaction timing and costs in the apps.
Traditional banking payments
You can also make payments using the traditional banking system.
To do this, you will be prompted to undergo a simple KYC process that takes less than a minute. This will allow you also to get a Traditional Bank Account, with an IBAN number or other account identifier. There is no need for you to use this traditional account for digital payments; you can simply use your Digital Cash Account for this.
We support SWIFT and local payments in more than 180 countries, from your Digital Cash Account (being rolled out, depending on your jurisdiction).
- Swift,
- Fedwire,
- ACH,
- SEPA,
- Faster Payments,
- EFT (Canada),
- AusPayNet,
- CHATS (Hong Kong),
- IMPS (India),
- NEFT (India),
- SKN (Indonesia),
- RIX (Sweden),
- FAST (Singapore),
- IBG (Malaysia),
- NICS (Norway).
To connect your Digital Cash Account to your Web3 wallet (if you want to and if you have one), just follow these steps
- Log in to the web app.
- Connect your Web3 wallet (make sure you are on the Arbitrum network).
- That’s it. You now have the world’s first digital cash account connected to your Web3 wallet.
Note: you do not need to connect a Web3 wallet to use Fluid Finance. It is an option for you, if you want to hold your own digital assets.
Check out our videos here showing how easy it is to connect to crypto.
Want to know what real people think about Fluid accounts?
Fluid isn’t really a company. It is more of a movement.
We are built by our community, driven by what our community wants.
Many in our core team first started as investors and were active in the community before leaving their boring other jobs to join us.
There are thousands of people from all over the world working on building a better banking model.
You can read what they think about Fluid accounts, how they work, what could be improved, and what features we should build in the future. Check out their raw feedback:
Want to ask unfiltered questions directly to our community and connect with other users?
You can join us here: Telegram and Discord
