Hold the world's
strongest currencies.
In your pocket.
Hold USD, EUR, and GBP in one wallet. Fund via bank transfer. Deposit fees from 0.85% (Pro). No hidden wire fees, no forced conversion, no monthly fees.
$
US Dollar
$8,200
RESERVE CURRENCY
£
British Pound
£2,100
UK CORRIDOR
€
Euro
€321
EU CORRIDOR
◈
Rewards
1,450
EARN UP TO 3% REWARDS
🌍
African Corridors
18+
MOBILE MONEY · BANK
Wallet Features
Everything you need.
Nothing you don't.
Multi-Currency Holding
Hold USD, EUR, and GBP in one wallet. Fund and withdraw via multiple corridors. No minimum balance. No maintenance fee.
Easy Conversion
Swap between any two currencies at near mid-market rates. Deposit fees from 0.85% (Pro). Move between your own wallets for free.
Mobile Money Integration
Fund and cash out via M-Pesa, MTN Money, and Airtel Money. Connect to the payment networks your family already uses.
Savings Club Connected
Contribute to stokvels, tontines, and chamas directly from your wallet. Payouts land back in your chosen currency.
Portfolio View
See your total balance across all currencies in your preferred denomination. Real-time rates. Complete visibility.
Savings & Rewards
Move funds to your savings wallet and earn up to 2% in rewards individually or 3% with a savings club. Rewards accrue daily, backed by US Treasuries. No lock-up — withdraw anytime.
How Conversion Works
Three steps.
Simple conversion.
Converting £2,100 → USD
01
Choose your source
Select the wallet you want to convert from. You see your full balance and available amount.
SourceGBP Wallet
Balance£2,100.50
Converting£2,100.00
→
02
Pick your destination
Select the target currency. You see the live mid-market rate and the exact amount you'll receive, after fee.
DestinationUSD Wallet
Mid-market rate1 GBP = 1.2700 USD
Fee (0.85% Pro)$22.67
→
03
Confirm & settle
Review all details. Tap confirm. Settlement depends on corridor — GBP is instant, EUR same day, USD 1–3 days.
You receive$2,644.33
SettlementVaries by corridor
Total cost$22.67 (0.85%)
See Your Savings
How much are you
losing every month?
Most banks hide 3-5% in their exchange rate. Add wire fees and receiving fees, and you could be losing thousands every year. Adjust the slider to see what CitizenWealth saves you.
Monthly transfer amount
Corridor
🇬🇧 → 🌍
🇺🇸 → 🇳🇬
🇪🇺 → 🇸🇳
🇺🇸 → 🇰🇪
Bank cost (per month)
$170
4.5% markup + $35 wire
CitizenWealth cost
$15
From 0.85% deposit fee (Pro) · No hidden fees
$1,860
saved per year with CitizenWealth
Top Corridors
Low fees.
Every major corridor.
Scroll to explore the routes our users rely on most.
🇬🇧 → 🇿🇦
GBP → Africa
London → South Africa
UK diaspora sending home. Hold GBP, convert at near mid-market. Delivered via bank or mobile money.
~2%
Fee
1-2d
Settlement
🇺🇸 → 🇳🇬
USD → NGN
US → Nigeria
Freelancers and families. Hold USD, convert when needed. Near mid-market rates, not parallel market guesswork.
~2%
Fee
1-2d
Settlement
🇪🇺 → 🇸🇳
EUR → XOF
Europe → Francophone Africa
Tontine circles spanning Paris, Brussels, and Dakar. EUR pegged to CFA — clean, predictable conversion.
~2%
Fee
1-2d
Settlement
🇺🇸 → 🇰🇪
USD → KES
US → Kenya
Kenyan diaspora supporting chamas. Hold USD, deliver to M-Pesa when your family needs it.
~2%
Fee
1-2d
Settlement
🇺🇸 → 🇺🇬
USD → UGX
US → Uganda
Ugandan diaspora supporting family. Hold USD, deliver to bank or mobile money when your family needs it.
~1–3%
Fee
1-2d
Settlement
🌍 → 🌍
USD · EUR · GBP
Major currency corridors
Deposit fees from 0.85% (Pro) on USD, EUR, and GBP corridors. African corridor fees vary by country and method.
From 0.60%
Deposits
18+
Countries
Move Money
Send and receive
without the wait.
Send
Send across borders
From any wallet, to any recipient — bank, mobile money, or wallet address. Fast settlement by corridor.
✓ Bank transfer, mobile money, or wallet
✓ Recipient gets funds in local currency
✓ Track every transfer in real-time
✓ Zero recipient fees
✓ Real-time tracking
Receive
Get paid in any currency
Unique address for each currency. Accept from bank, mobile money, or blockchain. Auto-convert incoming funds.
✓ Unique wallet address per currency
✓ Auto-convert to preferred currency
✓ Accept bank, mobile money, and crypto
✓ Share club invite links to onboard members
✓ Instant notification on receipt
Security & Trust
Built for trust. Not just compliance.
End-to-End Encryption
Every transaction encrypted in transit and at rest.
Segregated Funds
Your balance held separately from operating capital.
Biometric + MFA
Face ID or fingerprint to unlock. Step-up verification for sensitive operations.
Clear Policies
Documented procedures for disputes, fraud, and error handling.
Earn While You Hold
Earn up to 2% in rewards on savings — 3% with a club.
Move funds to your savings wallet and earn Treasury-backed rewards. Up to 3% in rewards when you save with a savings club. Daily accrual, no lock-up, no minimum.
Learn About Earn →FAQ
Common questions
Is my money safe in CitizenWealth?+
Yes. All funds are held in segregated accounts — completely separate from our operating capital. We use end-to-end encryption and biometric authentication to keep your money safe.
How do your fees compare?+
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.
Can I hold all 3 currencies at once?+
Yes. Your wallet holds USD, EUR, GBP, and a rewards-earning currency backed by US Treasuries. You fund via three corridors: USD (ACH), GBP (Faster Payments), and EUR (SEPA). African countries are supported via mobile money and bank transfer. All wallets are active simultaneously with no minimum balance and no maintenance fee.
How do I fund my wallet?+
Bank transfer, mobile money (M-Pesa, MTN, Airtel), or crypto deposit. 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.
Get Started
Three currencies.
One wallet.
Your terms.
$ USD
£ GBP
€ EUR
Open your multi-currency wallet in under 5 minutes. Hold, convert, send, and receive — from anywhere.
Download the App →
Free to open · No minimums