Hold 47 currencies at once
Keep balances in euros, yen, naira, rupees — switch between them at the real rate the instant you choose to, never a day before.
The real rate. Always. 47 currencies.
Money that crosses borders like it was never there.
Send, hold and spend in 47 currencies on one account — at the exact rate the world trades on, with the fee printed in plain numbers before you ever press send. No quiet markup hiding in the exchange.
01 / The real rate
Watch the fee. That's the whole pitch.
Most providers hide their cut inside a worse exchange rate, so you never see what you actually paid. Tessera shows you the mid-market rate and our fee, separately, before you send a single cent. Move the number.
€
¥
Tessera fee 0.31%€7.44
Exchange markup€0.00 · none
Mid-market rate1 EUR = 167.43 JPY
They receive¥400,576
What a high-street bank quietly keeps
On the same €2,400, side by side. The bar is real money.
You keep €90.96 that would have vanished into a rate you never saw.
02 / Routes
Your money already knows the way home.
We hold real balances in local banking rails on both ends, so a transfer is mostly a quiet handoff — not a wire crawling through three intermediaries. Most corridors land before your coffee gets cold.
London Lagos
● 4 sec
Berlin Tokyo
● 11 sec
Austin Manila
● 6 sec
Toronto Mumbai
● 9 sec
03 / The account
One account that speaks every currency.
Local details in dozens of countries, a card that pays in whatever you're holding, and tools that treat a freelancer in Manila exactly like a finance team in Munich.
$0.00
to open, to hold, to receive in a local currency. We only ever charge the one fee you saw on the screen. Monthly minimums are a thing other banks invented.
A card that just spends what you hold
Tap in Tokyo, it spends your yen. No surprise conversion at the till.
Most transfers land in seconds
Real local rails on both ends mean no three-day wire limbo.
Built for the people money usually forgets
A nurse wiring home, a studio paying contractors across six time zones, a parent covering tuition abroad — all on the same honest rate, in the same plain numbers.
Your money, safeguarded
Customer funds held with regulated partners, kept apart from ours.
Regulated & safeguarded with
Meridian Trust
Northbank
Caldera FX
Oslo Clearing
"I sent rent to my mother in Cebu on a Tuesday lunch break. It arrived before I finished my sandwich, and for the first time I knew exactly what it cost me."
RM
Renata Mabini
Nurse · Austin → Cebu, every month for 3 years
Open an account in the time it takes to read this.
No branch, no minimum, no quiet markup. Just the rate the world runs on, and a fee you can see coming.