Banking built for the way you actually live
Checking, savings, cards, loans and global transfers in one account you can open in two minutes. No branch queues, no surprise fees, no statements you need a decoder ring to read.
Total balance
$42,580.19
+12.4% this month
Recent activity
Salary — Northwind Ltd
Today · 09:14
+$4,820.00
Transfer to M. Adeyemi
Yesterday · 18:02
−$250.00
Aurora Energy
Mon · 07:30
−$98.40
Refund — Skylark Air
Sun · 15:47
+$312.75
$4.2B
Held on deposit
310K+
Active customers
140+
Countries served
99.98%
Platform uptime
Everything in one place
A full bank, not a payments app with a debit card
Most digital banks give you a card and call it a day. NexaCapital gives you the whole institution — accounts, credit, foreign exchange and a back office that answers.
Transfers that actually arrive
Move money between NexaCapital accounts instantly, domestically the same day, and internationally across 140+ countries with live SWIFT tracking.
Cards you control
Issue virtual cards in seconds, freeze a physical card the moment it goes missing, and set per-card spending and ATM limits yourself.
Savings that compound
Earn 4.35% APY on savings with no minimum balance, no monthly fee, and interest that credits on the first of every month.
Spending you can read
Every transaction is categorised automatically, so your dashboard tells you where the money went without you building a spreadsheet.
Credit when it counts
Apply for a personal or business loan in minutes. Transparent rates, a repayment schedule you can see up front, no early-settlement penalty.
Security by default
Two-factor authentication, transfer PINs, device alerts and continuous fraud monitoring — on every account, not just the premium tier.
Getting started
Open an account before your coffee gets cold
No appointment, no branch, no stack of forms. Three steps and your account number is yours.
Start your applicationSTEP 01
Open your account
Two minutes, entirely online. No branch visit, no paperwork, no minimum opening deposit.
STEP 02
Verify your identity
Upload one government ID. Most verifications clear within the hour, and you will get an email either way.
STEP 03
Fund and go
Add money by bank transfer, wire or crypto, then start spending, sending and saving straight away.
Personal banking
Everyday checking, high-yield savings, cards and personal loans — managed from a dashboard that makes sense at a glance.
- No monthly maintenance fee, ever
- 4.35% APY on savings balances
- Virtual cards issued instantly
- Personal loans from 5.9% APR
Business banking
Multi-currency accounts, batch payouts, spend controls for your team and an API that treats your engineers like adults.
- Multi-currency accounts in 11 currencies
- Batch payouts and scheduled transfers
- Role-based access for your finance team
- REST API and webhooks
Questions
The things people ask us most
Your account is two minutes away
Join 310,000 people who stopped waiting on hold. Open a NexaCapital account today — no minimum deposit, no monthly fee, no catch.
Rated 4.8/5 by 12,400 customers