Your bank blocks your card for "suspicious activity"
You pay for coffee in Lisbon. Two hours later, dinner in Tangier. Next day, an Uber in Istanbul. To your bank, that's fraud. They block your card, sort it out via an international call at 3 am.
For people who work from wherever life takes them
An account that travels with you, doesn't tie you to a country
Collect, move and spend money in EUR, USD, MXN, BRL, GBP or USDC from any country. Your account works in Madrid, Medellín or Bali. No blocks for traveling. No fixed address.
No setup cost · KYC in 90 seconds · Check availability by country
Balance · travels with you
9 820 USDC
Conversions by country
- 🇹🇭+ 18 200 ฿
Bangkok
USDC → THB · today
- 🇲🇽+ 14 800 $
CDMX
USDC → MXN · 3 weeks ago
- 🇪🇸+ 1 850 €
Madrid
USDC → EUR · 2 months ago
When your life changes country every month, money is the first thing that breaks
To open a new account, they ask for a fixed address
You want to open a local account in the country you're in now. They ask for a lease, utility bill, tax residency, local ID. You're there for two months. You have none of that.
Every currency exchange, a bleed
You earn in USD, live in EUR this month, travel to Thailand next month. Each exchange eats 3-5 %. Over a year, you've lost the equivalent of a full month of expenses just in spreads.
Your spreadsheet doesn't know where you are
You've been in six countries this year. Collections, expenses, conversions in five different apps. At year-end you don't know if you made money, lost money, or how much you paid in fees. Your accountant doesn't get it either.
Your money, wherever you are
1
Open your account once
No proof of local residence in each country. KYC in 90 seconds with your passport or ID. Account live instantly, wherever you live.
2
Receive in your client's currency
Your NYC client pays USD to your ACH routing. The Berlin one EUR to your IBAN. The Mexico one MXN to your CLABE. You don't touch your home-country account again.
3
Convert only when you need it
Your balance lives in USDC, stable, no hidden spread. Convert to the local currency where you are, when you're there. If August you live in EUR, convert EUR. If September BRL, convert BRL.
4
Your account doesn't block when you travel
Operate from any supported country. No calling your bank to "announce a trip". No cards blocked in airports.
Built for how you move
Nomads with a base + long trips
Keep your taxation, operate without depending on your home-country bank. Receive, convert and spend in the local currency where you are.
Full-time nomads, no fixed residence
Your account doesn't depend on a fixed address. Receive and convert from any supported country, without proving where you are each month.
Nomads earning USD living in LATAM or SEA
Receive USD, keep in USDC, convert to local currency in small amounts, when you need. Don't convert your whole salary on arrival (losing on the initial spread).
Crypto-native nomads
Receive USDC straight into your Kunga wallet. Convert to fiat when needed for local expenses. Without going through exchanges with extra KYC in each country.
Calculate what living on the move costs you today
Enter your typical year. We'll tell you how much you're losing on fees and spreads without noticing.
What tools do you use today?
Estimate of what you lose per year today:
- In FX fees
- $ 3125
- In international ATM withdrawal fees
- $ 306
- In blocks and incident resolution
- Lost time (not measurable in money)
- Estimated total per year
- $ 3431
With Kunga:
- No FX fee (1:1 to USDC)
- No fee for operating in another country
- Receive and send: 1.45% with Kunga wallet
- Estimated total per year
- $ 1044
- Annual difference in your favor
- +$ 2387
Estimate based on average digital nomad patterns and public industry rates Q1 2026.
What nomads already operating with Kunga say
I spent a year fighting my Spanish bank every time I landed somewhere new. Card blocked in Vietnam, 4 am calls, days unable to pay for anything. With Kunga I haven't had a single block in six countries this year.
My salary comes in USD but I spend in MXN, BRL and COP depending on where I am that month. Before I converted everything to USD on receipt and converted again to local in each country. Double loss. Now I keep USDC and convert only what I'm going to spend.
As a crypto nomad no bank would open an account without a lease. With Kunga I got IBAN, ACH and CLABE on day one. I receive in USDC and convert when I need local cash.
No impossible paperwork. No fixed address.
What you need
- Passport or ID document from your country of nationality
- A valid residence in one of the supported countries (doesn't have to be where you are today)
- Biometric selfie for KYC
- Time: 90 seconds
What you DON'T need
- You don't need utility bills, lease or local ID for each country you pass through
- You don't need to notify Kunga every time you change country
- You don't need eurozone residence to get a European IBAN
- You don't need US residence to get ACH routing
- You don't need a minimum balance or movements to keep the account
Valid residence today can be your country of origin, the last one where you were registered, or the one on your ID document. Verify availability at /cobertura before starting KYC.
What it costs you to operate with Kunga while traveling
Operation Cost
Open account €0
Monthly maintenance €0
Change country (using the account in another geography) €0
Receive a payment 1.45% with Kunga wallet
FX conversion (via USDC) 1:1 no hidden margin
Withdraw to your local bank in the country you're in 1.45% with Kunga wallet
Send to an external wallet Just the network gas
Concrete example
You spend 4 months in Spain, 4 in Mexico, 4 in Thailand. You earn 4,000 USD/month. You convert to local currency in each country. Annual fees with Kunga: ~720 USD. With a traditional bank, international card and local exchange houses: ~2,400 USD. Difference: 1,680 USD per year.
Your money, custody and accessible from any country
Regulated Tier-1 custody
Your funds are separated from Kunga's operations, held by regulated entities. If Kunga stops existing, your balance doesn't.
Mandatory 2FA
Every operation confirmed with a second factor. If you lose your phone, your money doesn't move.
Account recovery without a physical office
Human support via chat, video or email from any country. No need to visit a branch.
MiCA and AML compliance
Regulated platform under the European framework, regardless of where you are.
Digital nomad FAQ
Do I need tax residency in some country to use Kunga?
Yes. To open an account you must indicate a valid country of residence that's on our coverage list. It doesn't have to be where you are now — it can be your country of origin or the last one where you were registered. Once the account is open, you can operate from any supported country.
If I change my country of residence, do I have to tell Kunga?
Yes. If you permanently change your tax residency, you must update it in your account so that tax reporting and available corridors adjust correctly. If you just travel (without changing tax residency), you don't have to notify.
Does my Kunga card get blocked if I use it in several countries in a row?
No. Kunga is designed for international use. We don't block transactions for travel. Anti-fraud monitoring is active, but doesn't assume travel is suspicious.
Can I pay with USDC in countries like Thailand, Indonesia or Colombia?
Not directly — those countries don't accept USDC as a common means of payment. But with Kunga you can convert your USDC to the local currency and withdraw to a local account or ATM, or pay with a debit card (coming soon). You control the full process.
How do I declare my income as a nomad?
It depends on your tax residency, not where you physically are. Every Kunga operation is logged with date, amount, counterparty, currency and applied FX rate. Export the CSV when you need it and hand it to your tax advisor in the country where you file. Kunga is not your tax advisor — your tax situation is on you.
What happens if I lose my phone traveling?
Your balance doesn't move without your second factor of authentication. To recover access, contact support via email or from another device. If you had 2FA set up with an app, we can validate your identity via alternative channels. Always keep your recovery codes in a safe place outside your phone.
Is it available in my country of residence?
Availability depends on your country of tax residence. Verify at /cobertura before starting KYC.
Your next city shouldn't change where your money lives
Open your free account in 90 seconds and start operating like a local in every country.
No setup cost · No need for local residence in each country · KYC in 90 seconds