1
Share ONE bank detail per client
US client → send them your ACH routing. EU client → your IBAN. Mexican client → your CLABE. Crypto-friendly client → your USDC wallet. All from the same Kunga account.
For freelancers and independent professionals
The account for freelancers invoicing clients in any country
Get paid in EUR, USD, MXN, BRL, GBP or USDC from a single account. Stop losing on every currency exchange. Stop waiting days for a transfer. Stop fighting with PayPal and banks every month-end.
No setup cost · KYC in 90 seconds · Check availability by country
Balance
12 540 USDC
Recent payments
- 🇺🇸+ 1 500 $
NYC client
ACH · 2 h ago
- 🇩🇪+ 800 €
Berlin client
SEPA · yesterday
- 🇲🇽+ 12 000 $
CDMX client
SPEI · 3 days ago
If you invoice clients across countries, you know what this is
1
Invoice 1,000, get paid 880
You invoice 1,000 USD to a New York client. Between PayPal fees, conversion to EUR and "sender bank charges", you get €880. Where did the other 120 go? Nobody explains it clearly.
2
Four platforms, four passwords
For Europe you use your bank. For the US you opened PayPal. For LATAM you use international transfers. For crypto you have a wallet. Every client pays differently and you track it all in a parallel Excel.
3
The tax office doesn't understand your Excel
When quarterly filing arrives, you have to rebuild conversions, dates, rates, fees. Your accountant charges extra hours just to decode your mess.
4
The transfer takes longer than the delivery
You deliver the project on Monday. Client pays Tuesday. Money arrives Friday (or the next Monday). Meanwhile, rent is due on the 5th.
Your invoicing month, now
2
Payments land in your balance on their own
Each client pays locally in their country like a normal transfer. Money lands in your Kunga account and auto-converts to USDC, with no hidden spread.
3
You decide when and how to convert
Your balance lives in USDC. Convert to EUR (or whatever you need) when it suits you, not when the bank forces it. See the rate before confirming.
4
Export to your accountant in one click
Every operation logged with date, amount, client, applied FX rate and fee. Export CSV and hand it to your accountant. End of the parallel Excel.
Built for the way you invoice
Designers, devs and consultants with global clients
They all pay your Kunga, in their local currency. You decide when to convert.
LATAM freelancers invoicing Europe or US
You receive in USDC and convert to local currency when it suits you, not when the client pays.
European professionals invoicing the US
Share your ACH routing. Get paid like a US local. Convert to EUR with no hidden spread.
Crypto-friendly freelancers
Receive directly to wallet, without going through exchanges. Convert to fiat when you need.
Calculate how much you're losing this month (and stop losing it)
Enter your usual invoicing data. We'll tell you what you save with Kunga.
What tools do you use today?
Today you're losing, roughly:
- In fees
- € 155
- In FX spread
- € 151
- Total per month
- € 306
- Total per year
- € 3674
With Kunga:
- Receive fee: 1.45% with Kunga wallet
- Send fee: 1.45% with Kunga wallet
- Spread: 0 %
- Total per month
- € 73
- Estimated annual savings
- +€ 2804
You save per month +€ 234
Estimate based on industry-average rates Q1 2026. Your real savings depend on the specific corridors you use.
What freelancers already getting paid with Kunga say
I invoice clients in NYC and Berlin. Used to be a PayPal-and-SEPA hell with different fees every time. Now everyone pays my Kunga and I decide when to convert. Save about €200/month.
I live in CDMX, my clients are in Spain. I used to lose 5-6 % each collection between conversion and fees. With Kunga I receive the client's EUR, hold it in USDC and convert to MXN when it suits. Changes everything.
What I love isn't the low fee, it's that my accountant stopped hating me. I export the quarterly CSV and everything balances on its own. I used to send her 4 different files per quarter.
To start all you need is this
What you need
- ID card, passport or your country's identity document
- Residence in a supported country
- To be 18 or older
- A selfie to validate your identity (KYC)
- Time: 90 seconds for KYC, account live instantly
What you DON'T need
- You don't need to be a registered self-employed worker
- You don't need initial capital or minimum deposit
- You don't need prior income proof
- You don't need to show up at an office
- You don't need an account at another bank
If you invoice as a sole trader or company, open a Kunga business account: we give you real bank details (IBAN, ACH, CLABE) you can put on any invoice, keeping your usual tax setup.
What it costs you to operate with Kunga
Operation Cost
Open account €0
Monthly maintenance €0
Receive a client payment 1.45% with Kunga wallet
Conversion to USDC (on receipt) 1:1 no margin
Convert USDC to EUR / USD / MXN / BRL / GBP Market FX rate, no added spread
Withdraw to your local bank 1.45% with Kunga wallet
Send to an external wallet Just the network gas
Concrete example
You invoice 1,000 USD to a US client. Kunga applies the visible 1.45% fee and converts to EUR with no spread. In your traditional bank, hidden fees and FX spread would reduce the amount before it reaches you.
Real bank details, regulated platform
Real bank details
Your IBAN, ACH and CLABE are valid for any commercial invoice.
Regulated Tier-1 custody
Your funds are separated from Kunga's operations.
KYC in 90 seconds
Fast biometric verification. Your account goes live instantly.
MiCA and AML compliance
Platform under the European crypto-asset framework and anti-money-laundering directive.
Freelancer FAQs
Can I put my Kunga IBAN on my invoices?
Yes. Your European IBAN, ACH routing and Mexican CLABE are real bank details. You can put them on any commercial invoice. Your clients will pay like a normal transfer in their country.
Do I need to be a registered self-employed worker to use Kunga?
No. Kunga is a personal or business account, not an exclusive tool for self-employed. If you invoice as self-employed in your country, you keep your usual taxation. If you're not registered yet, you can still use Kunga to receive and move money.
How do I declare my Kunga income to the tax office?
Every operation is logged with date, amount, counterparty, FX rate and fee. Export a CSV of your movements whenever you need and hand it to your accountant or upload to your accounting software. Kunga is not your tax advisor — that's on you, but we give you full operation detail.
My client pays via Upwork / Fiverr / Toptal — does this work for me?
Yes. Upwork and similar platforms deposit into standard bank accounts. With your Kunga ACH routing you can receive Upwork payouts as if you were a US account. Same logic for other freelance platforms.
How long do payments take to arrive?
Depends on the corridor. SEPA Instant (EUR) and SPEI (MXN) land in seconds. ACH (USD) between 1 and 3 business days. USDC between 1 and 5 minutes depending on the network.
Can I use Kunga if I live in one country and my clients in another?
Yes, that's exactly the situation we cover. You just need to be a resident of a supported country to open the account. Once in, you can receive from any supported country.
Is it available in my country?
Availability depends on your country of residence. Verify before starting KYC at /cobertura.
Start getting paid the way you always should have
Open your free account in 90 seconds and start invoicing clients in any country without losing money along the way.
No setup cost · No commitment · No mandatory self-employed registration