A bank account,
in your own name.
Open SDB Wallet and you get real bank details in euros, dollars and pounds — receive your salary or transfers on them, and withdraw to your account at any bank.
How it works
Verify once
A photo of your government ID and a quick selfie. Verification happens once, when you open the account.
Get your bank details
A euro IBAN, a US account number, a UK account number and more — all issued in your own name.
Receive, withdraw, exchange
Receive money on your details, withdraw to your account at any bank, or exchange between your own currencies.
Kinds of movement
Incoming to your account
Anyone can send to your bank details and the money lands in your wallet.
Withdraw to your bank
Move money from your wallet to a bank account in your own name.
Between SDB accounts
Send instantly to any SDB customer. It arrives the same moment.
Exchange your currencies
Move between euros, dollars and pounds inside your wallet at a published margin on the market rate.
The account is yours, and so is the sender.
Your bank details are issued in your own name, so the same rules banks apply, apply here. Read them before your first transfer so it does not bounce.
Send from an account in your name
An incoming euro transfer must come from a bank account that carries your own name. A third-party payment may be refused and returned to its sender.
Withdraw to an account in your name
Withdrawals only go to a bank account carrying your name — we do not send to somebody else's account.
Every movement is trackable
You see your transfer's stage step by step in the app: in transit, arrived, under review, or returned.
Fees are shown before you send
You see the fee split out — service fee and network fee separately — before you confirm.
The networks your money moves on
Every one of these runs on your account today. Tap any of them for the detail.
Every fee in one place
We do not write the numbers here, so they cannot go stale. The full fee schedule is published in the Terms and read straight from our pricing system.
Read the fee schedule →FAQ
How is this different from an ordinary bank account?
Your details are issued through licensed financial partners, and you receive and withdraw on them as you would with any account. The difference is that everything happens in the app: verification, opening the account, and moving between your currencies.
How long does a transfer take?
Inside Europe on SEPA and inside the US on FedNow it arrives within minutes. International bank wires typically take one to three business days, and that is down to the sending bank rather than us.
What are the fees?
Transfers between SDB accounts are free. Incoming money carries a published percentage, and a withdrawal carries a flat service fee plus the real network fee. The full table is on the Terms page.
Can I cancel a transfer?
Only pending transfers can be cancelled. A completed transfer cannot be reversed — as at any bank.
What is the maximum amount?
It depends on your verification level and your history with us. Contact support to have your limit reviewed.
Which currencies can I open an account in?
Euro, US dollar and British pound. Your first account is free; each additional one carries a fee published in the schedule.