Traditional Account

An account for all of your traditional needs

A fully-featured account. Connectable to your Web3 wallet.

Everything you’d expect from a bank account. Fluid’s underlying technology, combined with the services of our banking partners, gives you access to the full spectrum of the traditional financial system and its networks (e.g. Swift, SEPA, Faster Payments, ACH).

Get your own unique personal account number (including IBANs).

Completely insured

Your money is protected as client safeguarded funds with our banking partners and covered by fraud and theft insurance through Lloyd's of London.

Free, instant, global transfers

You can send money to recipients anywhere in the world. If the recipient doesn't have a Fluid Account, they will be prompted to create one.

Connect to Web3 wallets

Totally optional. You don't need to be a crypto person to get all of the benefits from your Fluid Account. You decide.
You are in control.

Spend on your debit card

To be eligible, you must prove your identity and hold at least one Fluid token.

Available in the following jurisdictions:

European Union
United Kingdom
Liechtenstein
Iceland
Norway

Coming soon:

USA
Switzerland
Canada

Create a Traditional Account in less than a minute

Create an account in less than a minute. No commitment required.

Or download the mobile super-app

Here’s how the account works

Sign up to the web app or download the mobile app.
Complete a simple ID verification process that takes less than a minute.
You get a Traditional Account in your name, with an IBAN number or other account identifier.
You access your account via both the web app and mobile app.
You can top up this account by sending in funds by bank transfer or by card. i
When the transfer is received, the funds are credited to your account.
You now have the world’s first Traditional Account that can be integrated with the digital world.

The better banking model for a better world

How does ID verification work?

You can open a traditional account in less than a minute, thanks to our cool technology and great partners.

Want to see how easy our ID verification sign up process is?

Check out this video and see for yourself how it is done.

What can I do with the account?

Here are some of the things you can do with your Traditional Account:

Make free, instant payments to anyone with a Fluid Traditional Account or a Digital Account (including to merchants).
Make transfers to digital addresses on the blockchain, even if you don’t have a crypto wallet (coming soon).
Spend money on debit cards through the Mastercard networks globally.
Make transfers through the traditional banking system.

Pro tip: with Fluid, transfers are free and instant. All you need to know is the recipient’s email address, phone number or nickname. And it’s global. If you want to use Swift and pay $20 per transfer and wait a few days for someone to receive it into their old-fashioned bank account, you’re living in the wrong century.

What can’t I do with the account?

You can’t access the digital world, nor spend digital cash on Fluid Cards.

To do this, you need to create a Fluid Account. It’s easy and free.

To create a Fluid Account, just enter your email address below.

Get started with the easiest account in the world. For free

Create an account in less than a minute. No commitment required.

Download the mobile super-app

Here’s how the cards work with the account

You can order cards from within the apps. The types of cards that are available depend on your country of residence, although all cards function globally on the Mastercard networks.

A virtual card is created automatically when you create your account. You can also order physical cards. Depending on your jurisdiction, you have the choice in the app of cards in USD, EUR and GBP.

Simple.

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 or a Traditional Account.
Instantaneously.
And for free.

Click here to invite your friends and get the chance to win $75,000 in prizes

On-chain payments

From your Traditional Account, you can also make payments with our digital cash to anyone who has a blockchain address, even if you don’t have a Web3 wallet (coming soon).
Almost instantaneously.
And at very low cost, depending on the chain.
See transaction timing and costs in the apps.

Of course, you can also simply mint your own digital cash from your Traditional Account to a Web3 wallet and then send digital cash to a blockchain address yourself, if you want.

Traditional banking payments

From your Traditional Account, you can make payments using the traditional banking system.

We support SWIFT and local payments in more than 180 countries, from your Traditional Account. See details in the apps.

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)

Here’s how to connect the account to your Web3 wallet (if you have one)

Log in to the web app or the mobile app.
Connect your Web3 wallet (and then make sure you are on the Arbitrum network).
That’s it. You now have the world’s first traditional account connected to a Web3 wallet.

Note: you do not need to connect a Web3 wallet to use Fluid. It is an option for you, if you want to hold your own crypto.

Check out our video here showing how easy it is to connect to crypto.

Want to know what real people think about Traditional 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 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 Traditional 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

Frequently Asked Questions

Can anyone open a Traditional Account with you?

No. We offer only banking services in the jurisdictions in which we have partnerships. Residents in the European Union, Liechtenstein, Iceland, Norway and the United Kingdom can open traditional accounts with us. We will soon offer banking services in the United States. We are working on other jurisdictions.

Can anyone use these accounts?

Yes, as long as you are lawfully resident in the jurisdictions in which we offer Traditional Accounts and undergo our simple, painless ID verification process.

Where are these accounts held?

The Traditional Accounts are held with our investment grade, regulated, partner banks in different jurisdictions.

Can I transfer money from my account to my Web3 wallet?

Yes. You can move your money from your Traditional Account to your own wallet, like MetaMask, whenever you want. Essentially, you can mint your own digital cash to use in crypto directly from your accounts. For the first time ever, you can be your own mint!

See details about how you can be the Mint:

What kind of ID verification information do you require?

You will need to provide ID verification information when you first create a Traditional Account by providing the information below.

Identification
Proof of address

These ID verification processes are undertaken using specialist ID software ID provider and controlled by our in-house compliance experts.

The entire ID verification process is designed to be simple and usually takes less than a minute.

Will I ever have to provide more information?

Maybe, depending on the transactions you do. Above certain amounts, typically $25,000, you may be asked to prove the source of funds, as is typical with all banks.

In addition, we monitor transactions for suspicious activity and may ask you for explanations in regard to payments. We take a common sense approach to compliance and are looking for transactions that might genuinely be illegal; this is not just a box-ticking exercise for us.

Can I hold digital assets in my Traditional Account?

No. However, you can hold digital cash in your Fluid Account.
You will be able to hold other digital assets in your Fluid Accounts, including NFTs (this is in development).

What if you or the bank partner steals our money?

Well, we would probably go to jail. There is also theft insurance in place, in the unlikely event of something being stolen.

What if a court ordered the money to be frozen?

Fluid Finance would respect court rulings from Swiss courts or in any territory where we or our partner banks operate. We have sophisticated anti-money laundering software in place and report any suspicious activity to regulators and partner banks.

Can I open accounts for family or friends?

Yes. For the Fluid Accounts, you simply need to provide their email address and you can open an account for them automatically. You can also send money to their account. They will be prompted to activate their account by email link.

For Traditional Accounts, there is also an invite feature. You also just need to know their email address. They will receive an email invitation to sign up for a Fluid Account (both digital and traditional).

Click here to invite your friends and get the chance to win $75,000 in prizes

Can I send money from my Traditional Account to people who do not have a Fluid account?

No.

With Traditional Accounts you can only send money through the traditional banking system.

If you want to send money to someone who does not have an account with Fluid, you can do this through your Fluid Account. To do this, you just need to know their email address.
The recipient will be prompted to set up their own Fluid Account by email link.

Can I pay merchants from my Traditional Account?

Yes, you can pay them through the traditional banking system. This costs money and takes time.

You can also pay them through your Fluid Account, which is free and instant.

If the merchant is not a Fluid member yet, you can send them payment together with an email link to create an account. This is done from within the apps.

Like Fluid?

Click here to invite your friends and get the chance to win $75,000 in prizes

An account for all of your traditional needs

Completely insured

Free, instant, global transfers

Connect to Web3 wallets

Spend on your debit card

Available in the following jurisdictions:

Coming soon:

Create a Traditional Account in less than a minute

Create an account in less than a minute. No commitment required.

Or download the mobile super-app

Here’s how the account works

How does ID verification work?

What can I do with the account?

What can’t I do with the account?

Get started with the easiest account in the world. For free

Create an account in less than a minute. No commitment required.

Download the mobile super-app

Here’s how the cards work with the account

Here’s how payments work with the account

Fluid users

On-chain payments

Traditional banking payments

Here’s how to connect the account to your Web3 wallet (if you have one)

Want to know what real people think about Traditional Accounts?

Frequently Asked Questions

Can anyone open a Traditional Account with you?

Can anyone use these accounts?

Where are these accounts held?

Can I transfer money from my account to my Web3 wallet?

What kind of ID verification information do you require?

Will I ever have to provide more information?

Can I hold digital assets in my Traditional Account?

What if you or the bank partner steals our money?

What if a court ordered the money to be frozen?

Can I open accounts for family or friends?

Can I send money from my Traditional Account to people who do not have a Fluid account?

Can I pay merchants from my Traditional Account?

Like Fluid?

Please provide your phone number and we reach out to you directly