No account numbers. No SWIFT codes. No waiting. Find any a0bank user in your contacts and send them money in seconds — in any of 17 currencies, completely free.
Most bank transfers take 1–5 business days and cost $10–50. Transfers between a0bank users arrive instantly and cost nothing — because they never touch the SWIFT network.
a0bank syncs with your phone contacts. Anyone already on a0bank appears with their name and profile — no need to ask for their account number.
Pick the currency you want to send from — USD, EUR, GBP, crypto, or any of the 17 supported currencies. Enter the amount and review.
Confirm with biometrics or your PIN. The money leaves your account and appears in your contact's balance in seconds. No delays, no fees.
Sending money shouldn't require a finance degree. We removed everything unnecessary.
Send to anyone with a phone number on a0bank — no IBANs, no sort codes, no wallet addresses required.
Internal transfers bypass the SWIFT network entirely. Money moves between a0bank accounts in real time, 24/7.
Send from any balance — dollars, euros, Bitcoin, USDT, or any supported fiat or crypto. The recipient receives it in their a0bank account instantly.
Your contact can be anywhere in the world. As long as they have an a0bank account, you can send them money in seconds.
There are no fees for transfers between a0bank users — not on the sender's side, not on the recipient's side. Ever.
Every transfer requires Face ID, fingerprint, or PIN confirmation. We make sure it's really you before money moves.
Fiat or crypto — send from whatever balance you hold. Your recipient gets it in their a0bank account instantly.
Fiat currencies
Cryptocurrencies
Join 500,000+ customers. Open your account in 5 minutes — no paperwork, no branch visit.