Your own euro account number
An IBAN-issued European bank account, ready the moment you sign up. Receive euros for free from any SEPA bank.
wallets.
Multi-currency wallets, built for cross-border life.
Every wallet is a real bank account with its own IBAN or local account number. Hold balances in the currencies that matter to you, and move between them at the real rate.
Last updated: February 2026.wallets.
in this service.
3 signalsFree SEPA receiving
Anyone in the SEPA zone can send you euros for free, with your own IBAN.
Local account numbers
Receive salaries and invoices with local details in the UAE and West Africa.
Real-time balances
No hidden holds. What you see is what you can spend, send, or convert.
wallets.
One account, every currency you actually use.
Open a euro account to receive your salary. Open a dirham wallet to pay rent in Dubai. Open a CFA wallet to support family in West Africa. They all sit in the same app, with the same login and the same security.
Multi-currency wallets
AED, XOF, and growing
Local account numbers for the United Arab Emirates, Senegal, Côte d'Ivoire, and more. We're adding currencies as our network grows.
Real-time balance, no holds
What you see is what you can spend. We don't place holds or hide pending charges behind a fine-print footnote.
Move between wallets instantly
Convert EUR to AED, AED to XOF, or anything in between. Conversions happen in seconds, at the rate we show you.
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European account, included.
1 IBAN
holds or pending charges.
0 hidden
“I get paid in euros in Berlin, pay rent in dirhams in Dubai, and send money home to Dakar — all from the same app. It's the first account that actually fits my life.”
from the field.
wallets.
Our customers move between continents every year. Multi-currency wallets are the foundation that makes the rest of our services feel like one product, not three.
built for cross-border life.
One account, every currency you actually use.
Open a euro account to receive your salary. Open a dirham wallet to pay rent in Dubai. Open a CFA wallet to support family in West Africa. They all sit in the same app, with the same login and the same security.
01 — Issued by licensed banks
Your euro account is held by our licensed EU banking partner. Your UAE account is held by a CBUAE-regulated institution. Same protection, more reach.
02 — Same login, many balances
One app, one set of credentials, one support team. Switch between wallets without signing out or moving money around.
03 — Free to receive, cheap to convert
Receiving euros via SEPA is free. Converting between your own wallets is at the mid-market rate plus a small, transparent margin.
04 — Spending control built in
Set daily limits, restrict by country, freeze with one tap. The wallet is the foundation, and the controls come for free.
what you get.
Three things make the wallet different.
Issued by licensed banks
Same login, many balances
Free to receive, cheap to convert
Spending control built in
frequently asked.
Same protections, more reach.
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frequently asked.
questions, answered.
Everything our customers ask most about this service. Need more detail? Our help centre has the full picture.
How many currencies can I hold?
We currently support EUR, AED, XOF, USD, GBP, CHF, and a few others. The list grows as we add banking partners — check the app for the latest count.
Does it cost anything to receive money into my wallet?
Receiving euros via SEPA is free. Receiving dirhams via UAE bank rails is free. Conversions between your wallets cost only the margin shown before you confirm.
What is the difference between a wallet and a bank account?
Your euro wallet is a real bank account, issued by our licensed European partner. Your AED wallet is held by a CBUAE-regulated institution. They are not prepaid cards or e-money — they are bank accounts in your name.
Can I have a joint wallet?
Not yet. Joint accounts are on the roadmap. For now, each account is held in one name, and you can give other people access via standing orders or shared cards.
What happens if BLUE FINANCIAL SERVICES goes out of business?
Your balance is held in segregated accounts at licensed banks. In the unlikely event of our insolvency, your funds remain yours and are returned to you through the bank's normal process.
keep exploring.
Wallets are the foundation. Pair them with the rest.
open a wallet.
Get your first wallet in five minutes.
Open your account, verify your ID, and receive your first payment the same day.