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a0bank
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Spend anywhere in the world
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Earn 6.25% p.a. on your deposits
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Borrow against your savings
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a0bank

Banking without borders. Save, spend, and borrow β€” anywhere in the world.

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πŸ‡¬πŸ‡§ FCAπŸ‡ͺπŸ‡Ί MiFID IIπŸ‡¦πŸ‡Ί ASICπŸ‡¦πŸ‡ͺ DFSAπŸ‡ΈπŸ‡¬ MASπŸ‡¨πŸ‡Ύ CySECπŸ‡ΈπŸ‡¨ FSA

a0bank is a trading name of A0 Financial Technologies Ltd. Authorised and regulated across multiple jurisdictions. Cryptocurrencies are high-risk assets and their value can go up or down. Your capital is at risk. Crypto assets are not covered by the Financial Services Compensation Scheme (FSCS) or equivalent protection schemes in all jurisdictions. Please read our Terms of Service and Privacy Policy before using our services.

Β© 2026 a0bank. All rights reserved.

a0bank for Freelancers

Get paid globally. Spend locally. Save in crypto.

Traditional banks were not built for freelancers with international clients. a0bank gives you a real SWIFT bank account, multi-currency balances, and 6.25% APR on crypto savings β€” without the paperwork or branch visits.

Open Free Account
Built for you

Banking that matches how you actually work

Receive USD, EUR, GBP in one account

Clients worldwide pay via SWIFT to your a0bank account. Seven fiat currencies in one place β€” no more converting everything to your local currency at bad rates.

No "proof of employment" needed

a0bank does not require payslips, employment letters, or a fixed salary. Open your account with just a passport and a 30-second identity check.

Convert crypto earnings instantly

Paid in Bitcoin or stablecoins? Your a0bank account holds crypto and fiat together. Convert between them at competitive rates any time.

Earn 6.25% APR on idle balances

Freelance income can be lumpy. Keep earnings in crypto savings between projects and earn 6.25% per annum while you wait for the next invoice to land.

Spend anywhere with a Visa card

Your a0bank Visa debit card works at 40+ million merchants worldwide and any ATM. No foreign transaction fees.

Full transaction records for invoicing

Download full transaction histories in CSV for accounting software or tax filing β€” sorted by currency, date, or counterparty.

Getting started

Up and running in minutes

01

Open your account in 5 minutes

Sign up online with your email and passport. No proof of income, no fixed address, no branch visit.

02

Share your SWIFT details with clients

Give clients your a0bank account number and SWIFT/BIC. They wire payment as usual β€” you receive it in your chosen currency.

03

Put idle balances to work

Move income you don't need immediately into crypto savings and earn 6.25% per annum while you focus on your next project.

Customers globally
500k+
Regulatory licences
7
Countries card works
180+
Savings APR
6.25%
FAQ

Questions from freelancers

Open for new customers worldwide

Start banking without boundaries

Join 500,000+ customers. Open your account in 5 minutes β€” no paperwork, no branch visit.

Open Free AccountTalk to Support