bnka: living in two countries

Get paid in euros. Use your money in your country. Your life already happens in two countries: you get paid in Europe and your people are in Lima, Buenos Aires or Bogotá. bnka brings together everything your money needs on both sides, in one app, without opening an account in each country. THREE STEPS, JUST MINUTES Start with your passport. No prior European residency, no branches, no paperwork. GET PAID IN EUROS Your salary or your clients pay into your European account details, with an IBAN. Keep the balance in euros or move it to your currency whenever it suits you. SEND MONEY HOME To Argentine pesos, soles or Colombian pesos. The amount received is locked the moment you confirm, so you know exactly how much arrives before you hit send. HOLD AND EXCHANGE YOUR CURRENCIES Euros and your local currency in the same app, each with its own receiving details. Exchange between them when the timing suits you, with the rate in view before you confirm. From Europe to your country, or between countries in the region. PAY LIKE A LOCAL Electricity, water, internet or tuition, from your phone, wherever you are. In Peru, scan any merchant's QR code and pay instantly from your balance, in whichever currency you hold. GET PAID WITHOUT CHASING ANYONE Create a payment request and share it by link, any time. Your clients or your family pay you and you see it arrive without waiting business days or chasing transfers. Perfect for freelancers. BUILT WITH AI AI works at every step: it verifies your identity in minutes by validating your passport, monitors every transaction to detect fraud and meet AML rules, and shows you the exchange rate and how it evolves, so you decide when to move your money. YOUR MONEY, CLEARLY TRACKED Every movement shows where it came from, where it went and through which channel. A receipt for every transaction, your account statement and a certificate of ownership, ready to present. YOUR ACCOUNT, YOUR CONTROL Identity verification, PIN and biometrics. Sign in with Google or Apple. For those living between Europe and Latin America: migrants, freelancers, digital nomads and students who get paid in euros and keep their life in Argentina, Peru or Colombia. Exchange rate insights are for informational purposes only. They do not constitute financial, legal, tax or investment advice.