Banking that moves with you, not against you.
Open a real USD and EUR account in your name in minutes, with no fixed address or residency required. Get paid by ACH, wire, or SEPA wherever you land, spend on a Visa card as you travel, and cash out to a local bank in 50+ countries at the best rate.
- Open in 5 minutes
- USD & EUR accounts
- No hidden fees
Licensed and regulated
Money transmission by Noah US, NMLS #2696057
Backed by Visa
Card issued by Rain under license from Visa
Held with audited partners
Your balance stays with regulated, audited partners
Your old bank was not built for a life across borders.
Log in from a new country and the account gets frozen. Change where you live and the bank closes it. Every conversion quietly takes a cut, and there is never a fixed address to verify. Hawala gives you one account that stays with you wherever you are, in your own name, built to get paid and spend across borders.
Up and running in three steps
Open your account in minutes
Verify from your phone and get real US and EU account details, your own account number and routing number. No branch, no SSN, no residency, and no fixed address required.
Get paid wherever you are
Receive your salary or client payments by ACH, wire, SEPA, or stablecoins, all into one account. Add your details to a payroll, an invoice, or a platform payout and the money lands in full.
Spend as you travel, cash out at home
Pay with your Visa card anywhere, online and in store, with Apple Pay and Google Pay, and earn 1.5% cash back. Withdraw to a local bank in 50+ countries at the best exchange rate.
Everything you get with Hawala
USD and EUR accounts in your name
Real account and routing details to get paid by employers, clients, and platforms worldwide. No incoming fees, so you keep what you earn.
No residency or fixed address
Open from where you actually are, with your passport. No proof of address, no local utility bill, no SSN.
Get paid on any rail
Accept salary or invoices by ACH, wire, SEPA, and stablecoin transfers, all into one account.
A Visa card that travels
Spend anywhere Visa is accepted, online and in store, with Apple Pay and Google Pay, and earn 1.5% cash back on eligible purchases.
Cash out in 50+ countries
Withdraw to a local bank at the best exchange rate, close to mid-market, with no hidden markup wherever you land.
Fully backed, no hidden fees
Your balance is held as fully backed dollar stablecoins with regulated partners. What you see is what lands.
More of what you need than Wise, Revolut, or PayPal
See how Hawala compares on the features that matter when you live on the move.
| Feature |  Hawala |  Wise |  Revolut |  PayPal |
|---|---|---|---|---|
| Real USD and EUR account in your name | Included | Included | Included | Not included |
| Open with no residency or fixed addressEligibility may vary depending on your nationality and country of residence. | Included | Not included | Not included | Not included |
| Account stays open when you change country | Included | Included | Not included | Included |
| Visa card you can use worldwide | Included | Included | Included | Not included |
| Cash out to local banks in 50+ countries | Included | Included | Not included | Not included |
| No fees to receive payments | Included | Not included | Not included | Not included |
Frequently asked questions
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Get in touch.
Yes. Verify from your phone in minutes and get real US and EU account details. No proof of address, no SSN, and no residency required.
No. Hawala is built for people who move. Logging in from a new country is normal here, not a reason to lock you out of your own money.
Share your USD or EUR account details with your employer, client, or platform. They send your salary or invoice by ACH, wire, SEPA, or stablecoins, and it lands in full in one account, wherever you are.
Your account stays with you. There is no residency requirement and nothing to re-open, so you keep getting paid and spending without interruption when you relocate.
To a local bank in 50+ countries, at the best exchange rate. Check any rate with our calculator before you withdraw.
Yes. If Wise holds your funds, or Revolut will not serve you or closes your account when you change country, Hawala gives you a real USD and EUR account in your own name that stays with you wherever you live.
No. Open your account from your phone in minutes. No SSN, no residency, and no fixed address required.
Your balance is held as fully backed dollar stablecoins with regulated, audited partners, and your card runs on Visa's global security and fraud protection.
Fees are low and shown before anything happens. No surprise deductions, and no 3 to 4 percent lost on every conversion.
