One account for global money

Multi-currency
accounts and
fast transfers

Hold USD, EUR, GHS and stablecoins in one account. Send money across borders in minutes. Meet Payvora AI — your smart money assistant.

EVERYTHING YOU NEED

One platform, three pillars

From everyday spending to cross-border business — Payvora brings your money together.

Accounts & Transfers

Hold and move money across 50+ currencies with local receiving accounts in USD and EUR, plus fast cross-border transfers.

  • Local USD (ACH) and EUR (SEPA) accounts
  • Send to 20+ countries
  • Free internal transfers

Virtual Cards

Create instant Visa and Mastercard virtual cards for online shopping, subscriptions, and team spending — with lock and unlock controls.

  • Instant card creation
  • Lock, unlock, or delete anytime
  • Spending limits per card

AI-Powered Money Management

Payvora AI helps you categorize spending, find the cheapest transfer routes, and surface insights from your transaction history.

  • Automatic transaction categorization
  • Smart transfer routing
  • Spending insights you can act on

SEE IT IN ACTION

Your money, at a glance

Explore a live preview of the Payvora dashboard — balances, transfers, insights, and AI.

Total Balance

$21,570.50

+8.2%

vs last month

🇺🇸USD
$12,450.00
🇪🇺EUR
€3,820.50
🇬🇭GHS
₵48,200.00
🇬🇧GBP
£5,100.00

BORDERLESS BY DESIGN

Local accounts. Global reach.

Receive money like a local, and send to the people who matter — wherever they are.

USD Receiving Accounts

Get a US account with routing and account numbers for ACH and Wire transfers.

EUR Receiving Accounts

Receive EUR via SEPA with your own IBAN — across 27 EU countries.

Local Currencies

Hold and send in GHS, NGN, ZAR, KES and more — settle locally where supported.

Crypto Services

Coming soon — digital asset settlement is not yet available.

Country availability

🇺🇸

United States

USD

🇪🇺

Eurozone

EUR

🇬🇧

United Kingdom

GBP

🇬🇭

Ghana

GHS

🇳🇬

Nigeria

NGN

🇿🇦

South Africa

ZAR

🇰🇪

Kenya

KES

🇨🇦

Canada

CAD

🇮🇳

India

INR

🇨🇳

China

CNY

More countries and corridors added regularly.

How it works

Know how your payment service works

Provider approval

Accounts, cards and payment routes must be approved by the relevant providers before they can be used. Availability differs by country.

Identity verification

Submitting an application does not automatically approve an account. Identity, business and compliance checks may be required.

Clear payment status

A submitted payment is not a completed payout. Provider confirmation and settlement checks are required before funds become available.

Account security

Never share passwords or verification codes. Confirm account details with support when a service or provider has not been verified.

PayVora is a financial technology platform, not a bank. Any safeguarding or insurance coverage must be explained in the terms for the specific approved service. This page does not certify regulatory approval or security compliance.

Ask about service availability

NO HIDDEN COSTS

Transparent pricing

Know what you pay before you send. No surprise fees — ever.

Fees at a glance

Account openingFree
Monthly maintenanceFree
Internal transfer (Payvora to Payvora)Free
ACH transfer (USD)$0.50
SEPA transfer (EUR)€0.50
Mobile money (MoMo) transfer1.0%
SWIFT / international wire1.0% (+ $35.00 USD wires)
Currency conversion1.0% Payvora fee
Virtual card creationFree
Card transactions (domestic)Free
Card transactions (abroad / FX)0.5% – 2.0%

Always included, at no cost

  • Unlimited multi-currency wallets
  • Free account opening and maintenance
  • Free internal transfers between Payvora users
  • Automatic transaction categorization by Payvora AI
  • Real-time exchange rate notifications
  • 24/7 customer support

Fees shown are indicative and may vary by corridor, currency, and partner. Final fees are displayed before you confirm any transfer.

Manage your money across borders

Hold multiple currencies, send money to family abroad, and spend with virtual cards — all from one app.

  • Free USD & EUR receiving accounts
  • Send to 20+ countries at competitive rates
  • Create virtual cards for online shopping
  • Track spending with AI categorization
Payvora

One account for
global money

Open your Payvora account in minutes. Hold, send, and spend across currencies — with AI on your side.