The bank behind your wallet
All fees, all VIP perks,
zero hidden cuts.
0.25% on P2P transfers. Tiered FX markup (1.2% / 1.0% / 0.8% / 0.5% by VIP). No minimums on top-ups. Climb the VIP ladder and P2P transfer fees drop, all the way to free at VVIP.
$0
P2P transfer
$0
Top up fee
$0
account opening
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FAQ
Questions, answered straight
Still curious? Read the docs
No. Banqi account opening is free. Virtual card issuance is also free — you only pay the top-up fee (1%) when you actually fund it. Physical / Metal / 18K Gold cards carry a one-time issuance fee (see Card Tiers above).
Ready to skip the FX spread?
Open a Banki account in under 3 minutes. KYC takes a selfie and a passport — we'll issue your virtual card the same day.