Frequently Asked
Questions

Yes. All funds are held in segregated accounts — completely separate from our operating capital. We use end-to-end encryption, biometric authentication, and publish our operational playbook so you can verify exactly how we handle your money.

Traditional banks typically charge 2–5% hidden in the exchange rate spread plus fixed wire fees of $25–50. CitizenWealth deposits are 0.85–0.90% and withdrawals are 0.60–0.65% depending on plan. African corridor fees via Yellowcard vary by country and method. All fees are shown upfront before you confirm.

Yes. Your wallet holds USD, EUR, and GBP. You fund via three corridors: USD (ACH), GBP (Faster Payments), and EUR (SEPA). African countries are supported via mobile money and bank transfer. Your USD savings are rewards-earning, backed by US Treasuries. All wallets are active simultaneously with no minimum balance and no maintenance fee.

Bank transfer or mobile money (M-Pesa, MTN, Airtel). Choose what works for your corridor. Settlement times vary by rail: GBP Faster Payments is instant, SEPA is same/next day, ACH is 1–3 business days.

Total fees are under 1% for most corridors. For a $500 transfer at Pro rates, you’d pay about $4.25 total. There are no receiving fees for your family — they get the full amount. African corridor fees vary by country and method.

Settlement depends on the payment rail: GBP Faster Payments is instant, SEPA (EUR) is same or next day, and ACH (USD) is 1–3 business days. African corridor transfers via mobile money or bank typically arrive in 1–2 business days.

CitizenWealth supports 40+ countries including Nigeria, Kenya, South Africa, Uganda, Ghana, Senegal, and many more across Africa. You can send to bank accounts or mobile money wallets (M-Pesa, MTN Money, Airtel Money). Major fiat corridors cover the US, UK, and EU.

Yes. You can send funds to any bank account or mobile money wallet in supported countries. Your family receives the money in their local currency through whatever payment method they already use.

Deposits are 0.85–0.90% depending on plan. Withdrawals are 0.60–0.65%. SWIFT withdrawals are 0.65–0.75% plus $9.90. African corridor fees via Yellowcard vary by country, method, and direction. Internal transfers and savings moves are free.

We use near mid-market exchange rates. Cross-currency transfers include a small FX spread built into the rate — not a separate line-item charge. Our revenue comes from the transparent percentage fee you see before confirming. The rate you see at confirmation is locked while the transaction processes.

African corridors are settled through mobile money (M-Pesa, MTN, Airtel) and local bank integrations across 18+ countries. The infrastructure costs for these last-mile payment rails are higher than traditional banking rails like ACH or SEPA. We’re working to bring these costs down as volumes grow.

Basic is free to open with no monthly fees. Pro costs $9.99/month and reduces your fees: deposits drop from 0.90% to 0.85%, withdrawals from 0.65% to 0.60%, SWIFT fees from 0.75% to 0.65%, and virtual account setup from $3 to $2. Pro also unlocks external blockchain sends at 0.50%.

There are no monthly transfer limits on either plan. Individual transactions have a maximum of $50,000. There are no balance caps — you can hold unlimited amounts in any currency. Enterprise plans are available for larger volumes.

When you move funds to savings, your balance is backed by US Treasuries and begins earning rewards. Goal savings earn up to 2% in rewards and club savings earn up to 3% in rewards. Rewards accrue daily with no lock-up.