The account built for a life that crosses borders.
Hold money in multiple currencies, send money home, cover bills for family, and spend everywhere with your card, all from one account. Built for people whose money moves between countries.
Know what they get before you send.
- No transfer fees — ever
- The rate you see is the rate you get
- You see exactly what they receive
No fees. No surprises. Just a clear total.
There are no transfer fees on Enact. Every transfer shows the exchange rate and the exact amount your recipient will receive before you confirm. No markups hidden in the rate. No last-minute additions. What you see is what they get.
No transfer fees — the amount you send is the amount that moves
Recipient amount confirmed before you send
Delivery estimate based on your corridor and payment method
One account. Multiple currencies.
Manage money across countries without opening multiple accounts. You decide when to convert — not when the system forces you.
- Hold multiple currencies in one account
- Get local account details (sort code, IBAN, or routing number where available)
- Convert between currencies with full rate visibility
- Move money across borders from a single dashboard
Move money between countries that matter to you.
Send money internationally, receive payments locally, and manage requests with clarity.
Spend globally without the guesswork.
Use your card anywhere and pay in the right currency with clear pricing.
Physical & virtual
With Apple Pay and Google Pay support
Currency-aware spending
Pay in local currency using Enact's rate, not the merchant's
Instant controls
Freeze, unfreeze, and set spending limits instantly
Take care of everything from one account.
Services
Recent top-up
From airtime top-ups to utility bills, for yourself and family back home, your account handles the everyday, wherever it needs to go.
- Airtime and data top-ups
- Utility and bill payments for your family back home
- Supported streaming and subscription services
Use your account. Earn as you go.
Earn rewards when you spend, send, and use your account — with full visibility on what you earn and how to use it.
Your rewards
2,450 pts
- Earn rewards on every transfer and card transaction
- Refer friends and both earn when they join
- Track your rewards balance in real time
Built for confidence, not guesswork.
Your money is protected through biometric authentication, device-level security, and a regulated financial infrastructure.
Safeguarding of funds
Your money is held separately from company funds under safeguarding rules.
Secure authentication
Biometric login, two-factor authentication, and device binding.
Continuous monitoring
Real-time transaction monitoring flags unusual activity before it becomes a problem.
Get started in minutes.
1
Open your account
Sign up in minutes with your ID. No branch visits, no paperwork.
2
Add money
Fund your account via bank transfer, card, or direct deposit.
3
Send home, spend everywhere, or convert
Move money internationally, pay with your card, or hold and convert currencies.
POWERED BY REGULATED FINANCIAL INFRASTRUCTURE
Enact for BusinessFor businesses operating across borders.
Multi-currency accounts, payment processing, and infrastructure for global operations.