🇲🇽
Origin
14 800 MXN
Rent · SPEI
For those who started a new life without leaving the old one behind
Multi-currency account for expats: your home country and where you live, in one account
Receive rent, send money to your family, get paid from abroad and move funds between both countries without losing on every transfer. Your life is in two places — your money should be too.
No setup cost · KYC in 90 seconds · Available for residents in your country
Your two homes
Origin ↔ Residence
USDC
🇪🇸
Residence
820 EUR
Converted · on spending
Upcoming movements
- in 2 s
Remittance to family
€400 · Mexico City · SPEI
- + 800 USDC
Rent received
14,800 MXN · CLABE account
Your life is in two countries. Your bank only understands one.
1
Sending money home costs more than it seems
You send €500 to your family in Argentina or Colombia. Between the exchange house, the recipient's fees and the bank's spread, they receive 440. Every month, the same. Every year, you lose the equivalent of a trip home.
2
Collecting your rent from your home country is a slow process
You have a house you rent out in your home country. The tenant pays on day 5. The money reaches your home-country account on day 7. You convert and move it to your new-country account on day 12. Every month you lose a week and 3-5 %.
3
Keeping accounts in two countries hurts
You have an account in your home country (for rent collection, a pension, deposits in local currency) and another in the new one (for salary and expenses). Two maintenance fees, two apps, two cards, two fights with banks.
4
If you visit home, your new-country card charges a surcharge
You go back home for Christmas or summer. Your new-country card adds an international surcharge. The home-country account maybe you don't even use anymore. You end up withdrawing cash from ATMs with absurd fees.
Your money, in both countries where your life lives
Step 1 · 1/4
Open your account once, with your current residence
KYC in 90 seconds with your ID or passport and your valid residence in the country where you live now. The account is live instantly and gives you bank details in several countries (European IBAN, US ACH, Mexican CLABE).
Built for how you live between two countries
💌
You live abroad and send money to your family
The case
You work in Europe or the US. Your family is in LATAM, Africa or Southeast Asia. You send them money monthly.
What changes
Your USDC balance converts and sends to the family account or wallet in minutes, with visible fees. No more exchange houses or Western Union.
Calculate how much you lose per year moving money between your two countries
Enter your real situation. We'll tell you what you save by leaving traditional banks or exchange houses behind.
What tools do you use today?
Estimate of what you lose today:
- On the monthly send to your family
- € 28
- Per year
- € 330
- On the monthly receive from your home country
- € 38
- Per year
- € 456
- Estimated annual total loss
- € 786
With Kunga:
- Send cost: 1.45% with Kunga wallet
- Receive cost: 1.45% with Kunga wallet
- No hidden spread
- Estimated annual cost
- € 226
- Annual savings
- +€ 560
Estimate based on average sector rates Q1 2026 for the corridors indicated. Your real savings depend on your specific corridor and volume.
What expats already operating with Kunga say
I've been abroad five years. Sending €600 monthly to my mother was a nightmare with Western Union: she'd receive 540, sometimes 530. With Kunga I send USDC to a wallet my brother opened for her and she converts when she needs to. Now she gets 590.
I have a rented apartment in Buenos Aires. Before, the rent took weeks to reach me in Madrid and I lost 5 % on each exchange. With Kunga I receive in my local account, keep it in USDC and convert to euros when I need. It's the first time in years I collect the full rent.
I work from Lisbon for clients in Mexico. Before I received pesos, converted to euros at the day's rate (always worse), and paid double commission. Now I receive in CLABE, keep USDC and convert to euros only for monthly expenses. My real annual income is 7 % higher.
Your new residence is not an obstacle
What you need
- Passport or ID from your nationality
- Valid residence in one of the supported countries
- Biometric selfie for KYC
- Time: 90 seconds
What you DON'T need
- You don't need to keep an open account in your home country to use Kunga
- You don't need consular residence certificate or consulate paperwork
- You don't need to justify movements between countries (traceability is automatic)
- You don't need to have been X years in your new country of residence
- You don't need a minimum income or balance
Your valid residence is the country where you currently pay taxes or where you have an active residence permit. If you have dual tax residency, indicate it during onboarding and an advisor will guide you.
What it costs to operate with Kunga living between two countries
Operation Cost
Open account €0
Monthly maintenance €0
Keep multi-currency accounts active €0
Receive rent, work or transfers from home country 1.45% with Kunga wallet
Send remittances to your family 1.45% with Kunga wallet
FX between currencies (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 external wallet Just the network gas
Concrete example
You receive €800 monthly rent from your home country. You send €400 monthly to your family. Total annual movement: ~€14,400. Annual cost with Kunga: ~€245. Estimated annual cost with traditional banks or Western Union: ~€720-960. Difference: €475-715 per year.
Cross-country operations, fully traceable
Regulated Tier-1 custody
Your funds are separated from Kunga's operations, held by regulated entities.
Full traceability for tax purposes
Every operation logged with date, amount, counterparty, FX rate and fee. Exportable for your tax advisor in any country.
MiCA and AML compliance
Operates under the European framework, reporting to the competent authorities according to each country's regulation.
2FA and active monitoring
High-value operations may require additional validation for security.
Kunga is not your tax advisor. The taxation of your cross-country movements depends on your tax residency, the applicable double-taxation treaties and local regulation. We give you the detail of each operation; you or your advisor declare accordingly.
Expat FAQ
Can I use Kunga if I live in one country and my family is in another?
Yes, this is exactly one of the cases it's built for. Receive income in the currency of the country where you are, send money to your family in the currency of the home country, and keep traceability of every operation.
Do I have to keep my home-country account open?
Not mandatory. If you receive income in your home country (rent, pension, remote work), you can receive it directly in Kunga with your IBAN, ACH or CLABE depending on country. If you no longer receive anything there, you can close your home account. The decision is yours.
How do I send money to my family if they don't have Kunga?
Your family doesn't need Kunga. You send from your Kunga account to your family's local bank account (in pesos, reais, euros, etc.). They receive in their usual bank. You can also send USDC to a wallet, if they already operate in crypto.
Do my remittances to family enter my tax return?
Depends on your tax residency and the amount. In many countries, gifts or family help below a threshold don't tax, but there are reporting obligations in some cases (Form 720 in Spain, for example). Check with your tax advisor in your country of residence. Kunga gives you the exact detail of each movement, but doesn't give tax advice.
I receive rent from the apartment I have in my home country. Is this legal to do through Kunga?
Yes, as long as you correctly declare income in your country of tax residency under applicable double-taxation treaties. Receiving rent from foreign properties is common among expats, and Kunga facilitates the operation. The obligation to declare correctly is yours.
Is Kunga connected with banks in my home country?
Kunga provides real bank details in Europe (IBAN), US (ACH/ABA) and Mexico (CLABE). For other countries (Brazil, UK) we operate via local rails (PIX, Faster Payments) for sending. If your home country isn't directly supported, you can receive and send via USDC to a local wallet.
If I move back to my home country, what happens to my Kunga account?
If your new tax residency is in a country supported by Kunga, you can update the data and continue operating normally. If your home country isn't covered, you'll need to close the account when you change residency. Verify at /cobertura.
Is it available in my current country of residence?
Availability depends on your country of tax residence. Verify before starting KYC at /cobertura.
Your life is in two countries. Your money no longer has to be split.
Open your free account in 90 seconds and start operating between your home and new country as if you were local in both.
No setup cost · No monthly maintenance · KYC in 90 seconds