Banking beyond borders
One digital bank for everything — multi-currency accounts, virtual cards, term deposits, crypto and open APIs. Personal and business banking that moves as fast as you do.
Free to open · No monthly fees on standard plans · 2-minute onboarding
Total balance
$24,580.42
EUR
€12,340.00
GBP
£8,120.50
Instant transfer
+$350.00
190+
Countries served
30+
Currencies
24/7
Support & monitoring
ISO
Standard-aligned
Everything a modern bank should be
From everyday personal banking to business and developer tools — one platform, every service, no legacy.
Personal Banking
Everyday accounts with multi-currency support, instant transfers, virtual cards and savings tools — all in one app.
- Multi-currency current account
- Virtual & physical cards
- Instant P2P transfers
- Personal savings & deposits
Business Banking
Banking built for founders and SMEs: separate accounts, expense control, team cards and API access from day one.
- Business accounts & IBANs
- Team cards with limits
- Payroll & bulk payments
- Open API sandbox access
Crypto
Buy, sell and hold digital assets directly from your bank account with custodial wallets and live market prices.
- Custodial crypto wallets
- Live market prices
- Instant conversion to fiat
- Bank-grade custody
Virtual Cards
Create unlimited virtual cards in seconds. Set limits, freeze instantly, and pay online with total control.
- Instant issuance
- Per-card limits & controls
- Freeze / unfreeze anytime
- Works everywhere online
Term Deposits
Grow your savings with flexible fixed-term deposits and competitive rates across major currencies.
- Flexible terms from 7 days
- Competitive fixed rates
- Auto-rollover option
- Interest at maturity
Open API
Integrate banking into your product. RESTful APIs, webhooks and sandbox environment built on ISO 20022-style messaging.
- REST API & webhooks
- Sandbox environment
- ISO 20022-style messages
- API keys with scopes
Powerful features. Zero complexity.
We rebuilt the banking stack from the ground up so that everything just works — fast, secure and transparent.
Multi-currency accounts
Hold, send and receive in 30+ currencies with real IBANs. Convert instantly at competitive rates — no hidden spreads.
Virtual cards on demand
Spin up a virtual card in seconds with custom limits, merchant controls and instant freeze. Ideal for subscriptions and online spend.
Instant payments
Send money to other Capitech customers instantly, 24/7. External payments settle fast across supported rails.
Bank-grade security
Two-factor authentication, session monitoring, encrypted data and row-level database isolation keep your money and data safe.
Smart analytics
Understand your spending with category insights, monthly statements and exportable reports in PDF and CSV.
Compliant by design
Built around international standards: ISO 4217 currencies, IBAN/ISO 13616, ISO 20022-style messaging and double-entry accounting.
Banking live in minutes
No branches, no paperwork, no waiting rooms. Just a clean, fast onboarding flow.
Open your account
Sign up in minutes with your email and verify your identity. Personal and corporate onboarding supported.
Fund & get your cards
Top up via sandbox rails, create virtual cards instantly and start spending across the globe.
Bank without limits
Transfer, convert, deposit and invest — everything in real time from any device, anywhere.
Your money is protected by design
We built security into the architecture — not as an afterthought. Strong authentication, granular permissions, immutable records and continuous monitoring protect every account, every transaction.
Two-factor authentication
TOTP-based MFA for every account, enforced for staff and recommended for all customers.
Encryption everywhere
Data encrypted in transit and at rest. Secrets and keys never touch the browser.
Row-level isolation
Every customer's data is isolated at the database level — no cross-tenant access, ever.
Card tokenisation
Card details are tokenised; only the last four digits are ever stored or displayed.
Audit-ready ledger
Immutable double-entry accounting records every movement with a full audit trail.
24/7 monitoring
Continuous transaction monitoring with maker–checker controls and anomaly alerts.
Security check passed
All systems operational
// double-entry ledger — balance check
DEBIT 2000 (Customer Deposits) 500.00
CREDIT 1000 (Nostro) 500.00
✓ debits = credits — entry posted
Built for developers
Ship banking features fast — integrate in hours with our API, docs, sandbox and webhooks, not weeks.
Open API
An ISO 20022-style REST API for accounts, transfers and webhooks. Clean, versioned endpoints let you build banking directly into your product.
API Documentation
Interactive docs with scoped API keys and sandbox credentials, so your team can explore every endpoint before you go live.
Sandbox
A test environment with demo data to build and validate integrations safely — fully isolated from production and available 24/7.
Webhooks
Real-time event delivery with HMAC-signed payloads, so your systems always know when money moves — securely and at scale.
Questions, answered
Personal accounts are usually opened in under 10 minutes. Corporate onboarding takes a bit longer because of the additional KYC documentation we review — typically 1 to 2 business days.
Ready to bank beyond borders?
Join thousands of customers and businesses banking smarter with Capitech. Open your account in minutes — free.