Money that arrives now, in any country.
An account in 30 seconds, no documents. Send and receive with nothing to install, and no fee between people.
The bill your bank never shows you
- Exchange rate
- 3% to 8%
- Taxes and fees
- 0.38% to 6.38%
- Sending money abroad
- 3% to 5%
And that is only the price. There is still ID, a selfie, days of waiting and a queue.
What you pay
The bank's fees do not come in here. The whole sum fits in three lines.
Change the amount if you like.
Price of access
0.40
per $1.00 of balance. That is 40% of the dollar rate.
Lands in your balance
2,500.00
Not interest, not yield, not appreciation: it is the price of access to the balance. It works because there is no banking rail in the middle charging spread, fee and interest. An estimate at today's rate; the final amount is shown before you confirm.
What you pay
The bank's fees do not come in here. The whole sum fits in three lines.
Change the amount if you like.
Price of access
0.40
per $1.00 of balance. That is 40% of the dollar rate.
Lands in your balance
2,500.00
Not interest, not yield, not appreciation: it is the price of access to the balance. It works because there is no banking rail in the middle charging spread, fee and interest. An estimate at today's rate; the final amount is shown before you confirm.
Getting started takes 30 seconds
No documents, no queue, nothing to install.
Step 1 of 3
Pick your username
That is how people send you money.
Username
@marina.silva
Step 2 of 3
Pick the method of your country
You top up and get paid with what you already use.
How money comes in
Pix
Step 3 of 3
Done. The bonus is yours
It lands the moment the account exists.
Your bonus
$2.20
- Start now
Send to someone with no account
You send a link. They tap once: the account is created right there, with the money already in it.
In every other wallet, the person receiving has to sign up before you can send anything.
Sent you $10, just open it 👇22:14
offbanks.com/m/8f2a91e
but I don't have an account anywhere 😅22:14
you don't need one. tap the link, the rest is automatic22:14
opened it, already in my account 🙌22:14
What you use it for
Everyday situations, not special cases.
Pay
at the shop counter
Charge
for your work
Split
the bill at the bar
Sell
with a QR code
Send
to someone abroad
What is inside
Enough to use every day, and nothing beyond that.
- Balance in your local currency
- You see reais, pesos or naira. The conversion is ours, not yours.
- Send by @username or QR code
- Type the name, check it, confirm. It arrives right away.
- Top up with your country's method
- Pix, M-Pesa, OXXO, card. Whatever already exists where you live.
- Sign in with biometrics
- Fingerprint, face or PIN, the way your phone already does it.
- Support 24 hours in your language
- Portuguese, English or Spanish, at any hour.
01
02
03
04
05
Security, no fine print
What we ask for, when we ask, and where it already works.
- What we ask for
A username
No documents, no proof of address, no photo.
A password
Or your device biometrics, if you prefer.
That is all
No data we do not use to let you sign in and send.
- When we ask for documents
Above US$ 10,000
Then yes: a document and a selfie, once.
If something looks unusual
Transaction monitoring, as prevention rules require.
- How you sign in
Device biometrics
Fingerprint, face or PIN, whatever your phone uses.
Nothing to install
It runs in the browser, over a protected connection.
- Where it already works
Europe
in testing
United States
in testing
Brazil
in testing
India
in testing
OffBanks is not a bank, not a broker and not an investment product.
Frequently asked questions
The six that come up most.
A way to pay and get paid in your browser, straight between people, with no bank in the middle. You open an account with a username and use it on your phone or computer. It is not a bank, not a broker, not a crypto wallet and not an investment product: it is a connection tool between two people.
Not to start. You open the account with a username and password in under 30 seconds. Documents are only required above US$ 10,000.
Sending and receiving between people has no fee. There may be a cost on top up, depending on the payment method in your country.
The balance circulates inside OffBanks, from one user to another, and it does not go out to a bank. That is not a flaw, it is the design: if the balance dropped onto the banking track it would pay spread and fees all over again, and the advantage you got on the way in would be lost on the way out. You gain by using it and paying other people, not by cashing out.
You sign in with your device biometrics, the connection is protected, and we keep as little data as possible. The details are in the legal documents.
The initiative is global. Today the operation is in a testing phase in Europe, the United States, Brazil and India.
