Safe Central Vault — The international account for EUR, USD, CAD & GBP

Traveller looking at a map with a backpack

Arrives in seconds

Send money abroad

Money that moves as fast as you do

Send to family, pay a supplier, or move your own funds between countries. You see the fee and the rate before you press send — and most transfers land in under 20 seconds.

✓ The real mid-market rate, never a marked-up one
✓ Fees shown in plain numbers before you confirm
✓ Track every transfer from your phone, step by step

Send money

Person paying with a card at a café counter

No foreign transaction fee

Everyday spending

Spend abroad like you never left home

Tap your card in Paris, Toronto, London or New York. We convert at the real rate and take no foreign transaction fee on any of your four currencies.

✓ Apple Pay and Google Pay from day one
✓ Freeze and unfreeze your card instantly
✓ Spend limits you set yourself, per day or per month

Explore the card

A parent and child putting coins into a toy savings safe

Free for under-18s

Children and money

Good habits start with the first pocket money

Whether you're a parent, grandparent or guardian, we'll help you understand the financial world of the children in your life — so they can build great habits from an early age.

✓ A junior account and card from age 8, controlled by you
✓ Savings goals they can watch grow — a bike, a trip, a first laptop
✓ Automatic pocket money on the day you choose
✓ Simple lessons on saving, spending and giving, built into the account

Ask about junior accounts

Person reviewing account statements on a laptop

Export in one click

Statements and insights

Know exactly where your money went

Every payment categorised automatically, in all four currencies. Search a year of history in seconds, and hand your accountant a clean export instead of a shoebox.

✓ Automatic categories for every payment, editable by you
✓ Monthly statements as PDF or CSV, ready for your accountant
✓ Search by amount, merchant, date or currency
✓ Spending breakdowns per currency and per card

See a sample statement

Two colleagues reviewing business figures together

Trusted by 24,000 firms

For your business

One account for a company that crosses borders

Pay contractors in four currencies, get paid with local details, and give your team cards with the limits you set. Your accountant will thank you for the exports.

✓ Batch payments — up to 1,000 recipients in one upload
✓ Team cards with per-person and per-category limits
✓ Direct sync with Xero, QuickBooks and Sage
✓ Multi-user access with proper approval chains

Explore business

Everything included

The account does more than hold money

No tiers hidden behind a paywall for the basics. Everything below comes with a standard Safe Central Vault account.

Local account details

A German IBAN, a US routing number, a Canadian transit number and a UK sort code — all issued to you, all in one place.

4 currencies →

Convert at the real rate

Move between your currencies at the mid-market rate with a flat, visible conversion fee. No spread buried in the number.

From 0.35% →

Get paid from anywhere

Share your local details with an employer, a client or a marketplace. Money arrives as a domestic payment on their side.

No receiving fee →

Online banking you'll actually use

Every balance, card control and transfer in one place. Notifications the second money moves, in or out.

Any browser →

Protected to €500,000

Statutory deposit guarantee plus a supplementary private policy — five times the usual European cover.

See the detail →

Humans on support

Phone, chat or secure message, around the clock. Median first response: 41 seconds. No phone trees.

24/7/365 →

Safe at every step

1.2 million people trust us with their money. Here's how we keep it safe.

Licensed and supervised

A full European credit institution licence since 2018, supervised by the national regulator and subject to the same capital rules as any high-street bank.

Segregated client funds

Your money sits in ring-fenced accounts at tier-1 custodians, structurally separate from our own balance sheet. It is never lent out.

Fraud stopped before it starts

Eleven million checks a day across our monitoring systems, plus a 140-person financial crime team who review anything that looks wrong.

Read our security page

Excellent everywhere

What people say when they switch

Rated 4.7 out of 5 across 38,400 independent reviews.

🇩🇪 → 🇺🇸

"I pay a US contractor every month. Used to cost me €40 and three days. Now it's €2.90 and it lands before I've closed the laptop."

★★★★★

Lukas Weber

Agency owner · Berlin

🇨🇦 → 🇬🇧

"Moved to London from Toronto and kept both accounts running. My salary lands in GBP, my mortgage still goes out in CAD. No bank could do that for me."

★★★★★

Émilie Tremblay

Product lead · London

🇬🇧 → 🇪🇺

"My daughter got the junior card at nine. She checks her savings goal more often than I check mine. That was worth the whole thing."

★★★★★

Sarah Okonkwo

Teacher · Manchester

🇺🇸 → 🇨🇦

"Support picked up at 2am when a payment looked stuck. A person, not a bot, and it was fixed in four minutes."

★★★★★

Marcus Hale

Consultant · Vancouver

🇪🇺 → 🇺🇸

"The fee is on the screen before I press send. After fifteen years of my old bank, that alone felt like a novelty."

★★★★★

Giulia Ferrara

Freelancer · Milan

🇬🇧 → 🇨🇦

"Opened the business account on a Tuesday, paid nine contractors on the Thursday. The batch upload saved me an afternoon."

★★★★★

David Mensah

Founder · Bristol

Questions

The things people ask before they switch

Is Safe Central Vault a real bank?+

Yes. We hold a full European credit institution licence, granted in 2018, and we're supervised by the national regulator under the same capital and conduct rules as any high-street bank. Deposits are covered to €500,000 — the statutory €100,000 scheme plus a supplementary private policy we fund ourselves.

How long does it take to open an account?+

Around 8 minutes on your phone. You'll need a government-issued ID and a selfie for the identity check. Most accounts are approved within the hour; a small number need an extra document and take up to one business day.

What does it actually cost?+

Opening and holding the account is free, in all four currencies. You pay a visible fee only when you convert (from 0.35%) or send internationally (from €2.90). There's no monthly fee, no minimum balance, and no fee for receiving money or for holding a balance.

Can I keep my existing bank?+

Of course — most people run both for the first few months. You can move money in from any bank by transfer, and set up standing orders and direct debits on your Safe Central Vault details whenever you're ready.

How do the junior accounts work?+

You open a junior account from your own account for any child aged 8 to 17. They get their own card and a simplified view; you keep full visibility and control — spending limits, blocked categories, instant freeze, and a notification for every purchase. It's free, and there's no charge for the card.

What happens if I want to leave?+

Close the account at any time, with no fee and no exit interview. Your balance goes back to a nominated account within one business day, and we'll give you a full statement export for your records.

One account.
Four currencies.
Zero surprises.

Money that moves as fast as you do

Spend abroad like you never left home

Good habits start with the first pocket money

Know exactly where your money went

One account for a company that crosses borders

The account does more than hold money

Local account details

Convert at the real rate

Get paid from anywhere

Online banking you'll actually use

Protected to €500,000

Humans on support

Metal in the hand.
Nothing hidden in the fees.

1.2 million people trust us with their money. Here's how we keep it safe.

Licensed and supervised

Segregated client funds

Fraud stopped before it starts

What people say when they switch

Four currencies. Four sets of local details.

The things people ask before they switch

Your money deserves a better home

Money that moves as fast as you do

Spend abroad like you never left home

Good habits start with the first pocket money

Know exactly where your money went

One account for a company that crosses borders

The account does more than hold money

Local account details

Convert at the real rate

Get paid from anywhere

Online banking you'll actually use

Protected to €500,000

Humans on support

Metal in the hand.Nothing hidden in the fees.

1.2 million people trust us with their money. Here's how we keep it safe.

Licensed and supervised

Segregated client funds

Fraud stopped before it starts

What people say when they switch

Four currencies. Four sets of local details.

The things people ask before they switch

Your money deserves a better home

Metal in the hand.
Nothing hidden in the fees.