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Banking for the next 3 billion

Send money anywhere. Pay nothing. Ever.

Abakus is the free global account for immigrants and the unbanked. We built our own payment rails, so cross-border transfers cost nothing — no fees, no credit history required, no rejections.

Join the waitlist See why it's free
New York → Lagos $0.00 · instant London → Manila $0.00 · instant Toronto → Mexico City $0.00 · instant
3B+
unbanked & underserved people worldwide
$900B+
sent home in remittances every year
6%+
average fee charged by incumbents
$0
what Abakus charges between users

The problem

Banks say no to the people who need them most.

No credit file. Small balances. The wrong passport. For billions of people, the answer from traditional banks is rejection — and the price of sending money home is a toll at every border. The people with the least end up paying the most.

Why it's free

Free isn't a promotion. It's architecture.

Every traditional cross-border payment passes through a chain of correspondent banks and third-party networks — and every hop takes a cut. Abakus owns its payment rails end to end. No middlemen, no toll booths, no hidden spread. When there's no one to pay along the way, there's nothing to charge you.

The old way Fees at every hop
Sender
Bank− fee
SWIFT− fee
Correspondent bank− fee
Correspondent bank− fee
Recipient
The Abakus way $0.00
Sender
Abakus rails$0.00
Recipient
A woman smiling at her phone while using Abakus Receive Send Request

Accounts for everyone

We say yes when others say no.

Our platform uses smart data instead of legacy credit files, so we can open accounts others can't — and serve small balances sustainably. Banking without the fear of rejection, wherever you are and whatever your financial history.

No legacy credit file requiredEligible
Small balanceSustainable
New countryWelcome

How it works

1

Open your account in under 3 minutes. No credit history needed.

2

Add a loved one anywhere in the world — all you need is their email or phone number.

3

Send instantly. They see the money the second it lands.

Free forever account

No monthly fees, no minimums, no fine print. Free means free.

Global debit cards

Virtual and physical cards that work almost anywhere in the world, issued with a globally trusted partner.

Instant transfers

Money between Abakus users moves in seconds, across any border, at no cost.

Your data, your dividend

Your data stays private by default. Opt in to share it anonymously and earn real money back into your account.

Our mission

Unleash the rest.

Half the world runs on cash, luck and expensive workarounds. Abakus exists to bring the other half of humanity into the financial system — starting with the people who keep two economies running at once: immigrants and their families back home.

Be first across the border.

Join the waitlist and we'll let you know the moment your free account is ready.

You're on the list. Welcome across the border. 🎉

No spam — just your invite when your account is ready.