Fees that appear at the end
Your client sends 1,000 USD. You receive 920 EUR. Where did the other 50 go? Between SWIFT fees, intermediaries and an exchange rate nobody explains.
Multi-currency account · Personal and business
Receive international payments as a local in every country
Local bank details in Europe, US and Mexico, plus USDC deposits. Get paid from any country in one account, without losing money on every currency exchange.
No setup cost · Verification in 90 seconds · Check availability by country
🇪🇺
ready to receiveEuropean IBAN
ES12 KUNG ···· 4587
🇺🇸
ready to receiveACH routing
021 ···· 7723
🇲🇽
ready to receiveCLABE
014 ···· 0091
Your Kunga balance
USDC5624 USDC
Equivalent to
🇪🇺 EUR
5174 €
🇺🇸 USD
$ 5624
🇲🇽 MXN
$ 104.044
Receive in local, live in USDC, send in any currency.
Getting paid from abroad today means losing money and time
Days waiting
A transfer from the US takes 2 to 5 business days to land. Plus more to convert to your needed currency. Meanwhile, your liquidity is frozen.
Accounts in every country
To avoid it, you open an account in another country. But you need residency, paperwork, and sometimes to fly. And you end up the same way: money trapped in five different places.
Receive international payments, in three steps
1
Share your local bank details
When you open your account you get a European IBAN, US ACH routing, Mexican CLABE and a USDC wallet address. Share them as you'd share any local account.
2
The payment lands in your account
Your client pays from their own bank like a local transfer. No SWIFT codes, no intermediary banks. The money lands directly in your Kunga account.
3
Your balance auto-converts to USDC
Every inbound becomes USDC 1:1, with no hidden FX margin. From there you decide: keep it in USDC, convert to another currency, or withdraw to your local bank or external wallet.
Get paid like a local in every market
When you open an account you get real bank details on each rail. Your clients pay on their own system; you receive in a single account.
🇪🇺
EUR · SEPA
European IBAN (SEPA zone)
Receive EUR payments from any company or person across 36 SEPA countries. Lands in minutes via SEPA Instant.
Ideal for: clients in Spain, Germany, France, Netherlands, Portugal and the rest of the EU.
🇺🇸
USD · ACH/ABA
ACH / ABA routing (US)
Receive USD payments like a US-based account. Your US clients pay by local ACH, with no SWIFT or international fees.
Ideal for: US clients, freelance platforms like Upwork, USD income.
🇲🇽
MXN · SPEI
Mexican CLABE (SPEI)
Receive MXN payments via SPEI, Mexico's instant transfer system. Lands in seconds, 24/7.
Ideal for: clients in Mexico, local invoicing, LATAM e-commerce.
💲
USDC · ETH/POL/SOL/TRX
USDC deposits
Receive USDC directly to your Kunga wallet on Ethereum, Polygon, Solana or Tron. No conversion, no FX fee.
Ideal for: crypto payments, DAOs, clients already operating in stablecoin.
We also support GBP and BRL. Availability of each rail subject to your country of residence. See full coverage
Calculate how much you save when getting paid with Kunga
Compare what you receive today with your bank vs. Kunga. Everything you collect lands in USDC.
You receive in
USDC 1:1 USD
Everything you collect lands in USDC (1:1 with the US dollar), with no spread. Convert it to EUR, USD or MXN whenever you want.
Traditional bank / PayPal
- Receive fee
- ~$ 40,00
- FX spread (~3 %)
- ~$ 30,00
- Time
- 2-5 business days
- Total received
- 931,20 USDC
Kunga
- Receive fee (1.45%)
- $ 14,50
- FX spread
- 0 %
- Time
- Minutes
- Total received
- 985,50 USDC
You save +54,30 USDC
Real Kunga fees. Traditional bank estimate based on industry-average rates (Q1 2026).
Built for those who get paid from abroad
Freelancer getting paid by global clients
UX designer in Madrid with clients in NYC, Berlin and CDMX.
Crypto user getting paid in stablecoins
Receives USDC or USDT on their preferred network and converts to fiat only when needed.
Expat getting paid from home country
Argentinian living in Lisbon, collects rent and fees in pesos.
Your money, in your account, today
Rail Average arrival time
SEPA Instant (EUR) Instant
Standard ACH (USD) Instant *
SPEI (MXN) Instant
USDC (any network) Instant
As soon as the rail confirms the inbound, we convert it to USDC instantly and it shows in your balance.
Your money, custody and traceable
Regulated Tier-1 custody
Your funds are separate from Kunga's operations, held by regulated entities.
MiCA and AML compliance
We operate under the European crypto-asset framework and the anti-money-laundering directive.
Full traceability
Every operation with timestamp, blockchain hash and exportable tax category.
Mandatory verification
KYC in 90 seconds for individuals, advisor-led KYB for companies.
What people already getting paid with Kunga say
I'd been losing money for years with PayPal and Wise. I get paid by a client in New York and it lands the same day, with the fee they told me at the start.
I have clients in five countries. It used to be admin hell. Now everything lands in one account and I convert when it suits me.
I'm from Argentina, I live in Portugal. Receiving my share of the family business was impossible until I found Kunga. I receive in USDC and convert whenever.
Vs the usual alternatives
PayPal Wise Banco trad. Kunga
Local bank details (EUR/USD/MXN) No Yes (some) No Yes
Conversion without hidden spread No Yes No Yes (1:1 USDC)
Average collection time 1-3 days 1-2 days 2-5 days Minutes
Crypto receipts (USDC/USDT) No No No Yes
Typical receive fee 4-5 % 1-2 % $15-40 flat 1.45%
Comparison based on public fees and standard operations as of Q1 2026. Verify with each provider before operating.
Frequently asked questions about receiving payments
Does my client have to be in a specific country to pay me?
No. Your client pays from their own bank like a local transfer. If they're in the US, they use your ACH routing. In Europe, your IBAN. In Mexico, your CLABE. In crypto, your USDC address. They don't need to register on Kunga or do anything special.
How long does the money take to arrive?
It hits your USDC balance instantly — once the rail confirms the inbound, we convert it on the spot. SEPA Instant (EUR), SPEI (MXN) and USDC confirm in seconds. ACH (USD) depends on the payer's issuing bank (1-3 business days) and then credits instantly. You see it in real time in your dashboard.
Do I pay a fee when receiving?
Yes. The fee is 1.45% if the money lands in your Kunga wallet and 2.90% if you choose an external wallet. No SWIFT, intermediaries or hidden FX spread. You see it before the money lands.
Can I invoice my clients with the Kunga details?
Yes. Your IBAN, ACH and CLABE are real bank details and you can put them on any invoice. For companies, the KYB confirms ownership for commercial use.
What happens to the money when it lands?
It automatically converts to USDC 1:1, with no margin. From there you decide what to do: keep it in USDC, convert to another currency, withdraw to your local bank or send to an external wallet.
Can I receive third-party payments with a personal account?
We're working on it. Today you can receive third-party payments in every currency except EUR — our EUR partner is strict on third-party payments, so for EUR we recommend using the alternative routes enabled on the personal account. For USD, MXN, BRL, GBP and USDC, third-party payments work without issue.
Is it available in my country?
Availability subject to your country of residence. Verify before starting KYC at /cobertura.
Start getting paid like a local in every country
Open your free account in minutes and get your international bank details instantly.
No setup cost · No commitment · KYC in 90 seconds