Where you work
Your day-to-day, in euros
Your salary, your clients, your rent. Euro account details available for your profile, ready to receive payments.
Living between two countries
Get paid in euros.
Use your money back home.
Receive your salary or payments in euros, convert to local currency and move your money between Europe and Latin America, and between our own countries, all in one app. Opening your account takes minutes: all you need is your passport.
Download the app · Sign up with your passport · Exchange rate visible before you confirm
Estimate your transfer
reference
You send from Europe
They receive in Peru
PEN
Open my account and send
PEN
*Informational estimate using the BNKA rate published on 09/02/2026. The rate that applies to your operation is shown in the app before you confirm. This is not a quote or an offer.
0people already use BNKA
0processed on the platform
0currencies: EUR · ARS · PEN · COP · USD outside the EU
0corridors: 3 from Europe and 3 between our countries
One life, two countries
Your life already happens in two countries.
Now your money does too.
You earn in Madrid and think of Lima. You pay rent in Berlin and the mortgage back in Buenos Aires. BNKA brings together everything you need to earn, save, convert and use your money on both sides of the Atlantic.
Where they wait for you
Your people, in their currency
Your family, the accounts still in your name, the projects back home. Argentine pesos, soles or Colombian pesos, whenever you decide.
BNKA product
Everything your money needs
to live in two currencies.
Multi-currency accounts
Euros and your local currency in the same experience. Separate balances, one single view. Convert whenever you decide, with the rate in sight.
Receive in euros
Get euro account details available for your profile and receive your salary or client payments.
Send to your country
Convert to Argentine pesos, soles or Colombian pesos and know the final amount before you confirm.
Pay bills back home
The bills in your country won't wait for your return. Pay them from Europe, straight from the app.
Exchange with the rate in sight
Between euros and your local currency, in two taps. With the rate in sight before you hit "confirm".
Living between two countries
What BNKA does today
for your money.
Euro account with an IBAN, transfers home, QR payments in Peru and dollars outside the EU, all in one app.
Euro account with an IBAN
Get paid by your employer or clients with euro account details. Sign up with your passport.
Transfers to Argentina, Peru and Colombia
To a CBU or CVU, to a CCI or a Yape or Plin mobile number, or to an account in Colombia, with the amount visible before you confirm.
QR payments in Peru
Scan merchants' QR codes with your euro balance or another currency. The merchant receives soles. It reads the network used by Yape, Plin and Dale.
Dollars outside the EU
Dollar account for residents outside the EU and the EEA. Service provided by Bridge; not available to residents of the EEA.
Dollars to Mexico and Brazil
From your dollars, to Mexico by SPEI and to Brazil by Pix, seeing how much the person receives before you confirm.
Currency exchange
Exchange between your balances with the rate visible before you confirm. Euro fees are published.
Made for your life
What do you need to solve today?
Your salary arrives in euros. Your life runs in two currencies.
- Receive your salary with euro account details available for your profile.
- Hold EUR and convert to your currency only when the moment suits you.
- Move money to your country with the final amount visible before you confirm.
Get paid by your European clients without chasing wires.
- Share your euro account details and invoice like a local.
- Or send a payment request: they pay with whatever currency they hold and you get paid without waiting for business days.
- You decide when to convert: the rate is always in sight.
Make it arrive whole, arrive clear, arrive today.
- Convert and send to Argentina, Peru or Colombia from your phone.
- You know how much your family receives before you tap "confirm".
- Pay bills in your country directly, no middlemen involved.
Study in peace: support from home arrives drama-free.
- Receive money in euros and manage it from a single app.
- Keep a balance in your currency for the expenses that continue back home.
- Sign up with your passport, no endless residency paperwork.
Corridors from Europe
Europe is where you get paid.
Your country stays with you.
Pick your destination and discover an experience designed around each country's currency, payments and real needs.
€ → $Argentina
Buenos Aires · Córdoba · Rosario
Euros to Argentine pesos with the final amount visible before you confirm.
See transfers from Spain
€ → S/Peru
Lima · Arequipa · Trujillo
Euros to soles, with a local account and QR payments for living there.
See transfers from Spain
€ → $Colombia
Bogotá · Medellín · Cali
Euros to Colombian pesos, with no hidden math and no surprises at the end.
See transfers from SpainIntra-regional corridors
Latin America also
moves within itself.
The obvious corridor is Europe to your country. The one nobody solves well is the one next door: a Peruvian in Buenos Aires, a Colombian in Lima, an Argentine getting paid from Bogotá. Today that means two conversions, dollars in between and cash. With BNKA it is just another transfer, with the rate in plain sight.
Argentina and Peru
ARS ⇄ PEN
The Peruvian community in Buenos Aires and the Argentine one in Lima, sending money without routing through the dollar.
Peru and Colombia
PEN ⇄ COP
Services, family and trade between Lima, Bogotá and Medellín, with the final amount visible before you confirm.
Argentina and Colombia
ARS ⇄ COP
Freelancers, advisory work and teams split across both countries, each side paid in its own currency.
And between your own balances too: convert from one currency to another inside the app, whenever the rate suits you, without taking the money out of your account.
Travel and pay with QR
Land, scan and
pay like a local.
No cash, no travel cards: open the app, scan the shop's QR code and pay anywhere in Peru with whatever balance you hold.
- Pay at shops by scanning their QR, straight from the app.
- Pay with your balance in euros or pesos and the shop receives soles instantly; the app guides you to activate your soles account if you do not have one yet.
- It runs on Peru's QR interoperability network: the same QR shops already use.
- Perfect for your trips, your day-to-day life in Peru, or whoever you support there.
Available in Peru
Not yet available in Argentina or Colombia.
Travelling there
You land in Peru with euros.
You pay like a local.
No changing money at the airport, no carrying cash, and the exchange rate in sight before you pay in another currency. You scan the QR already taped to the counter and pay with the balance you brought.
-
Taxis and transport
The cab to the hotel, the ride the next morning, the van to the coast. Scan and carry on.
-
Kiosks and corner shops
Water, a SIM card, the three-o-clock snack. Even the smallest purchase.
-
Markets and set menus
From the fruit stall to the lunch menu. The same QR codes the neighbourhood uses.
-
Tours and tickets
Machu Picchu entry, the guide, the valley tour. Paid before you leave the hostel.
Your balance can be in euros, Argentine pesos, soles or Colombian pesos: the merchant receives soles and you see the applied rate before confirming. Available in Peru; not yet in Argentina or Colombia.
New · BNKA payments
Get paid without
chasing anyone.
Send a payment request from the app or the web: they pay with whatever currency they hold, and you get paid in yours without waiting for business days.
- Charge in your local currency and let them pay in any of ours: euros, Argentine pesos, soles or Colombian pesos.
- No card readers, no POS: just the request.
- Exchange rate visible before confirming, for you and for whoever pays you, any day, any hour.
- In Peru they can pay you from any QR app or with their BNKA account.
How your money travels
No envelopes, no queues,
no "did it arrive yet?".
-
It leaves your euro account
From the balance you already earned in Europe.
-
It converts while you watch
Exchange rate, possible costs and final amount, shown before anything runs.
-
It arrives in local currency
Argentine pesos, soles or Colombian pesos, ready to use.
Stories
Far from home.
Close to your people.
What bnkers living between Europe and Latin America have to say.
"With BNKA I get paid in euros and switch to pesos when it suits me. No more hassle. I see the difference in my pocket at the end of the month."
"I send euros from the restaurant and my mom gets soles the same day. For the first time I know exactly how much she receives."
"Every publisher paid me a different way and I always received less than agreed. With BNKA they transfer to me as if I lived there."
"With BNKA we receive directly in euros, so we can plan the seasons and pay the team on time."
“I pay my therapist in Argentina from Spain, without hunting for someone to change the money or asking for favours. I log in, I send, done.”
“I work in a kitchen in Buenos Aires and support my family in Peru. With BNKA I know what leaves and what reaches them, no detours.”
“I have tech clients across several countries in Europe. I send one payment request and get paid here in Bogotá, without chasing anyone.”
“Companies abroad pay my advisory work in euros and I receive it in pesos, like any other payment. That used to be the part that worried me most.”
Start simple
Three steps. One app.
-
01
Verify your identity
Download the app and start with your passport. We guide you through the whole process.
-
02
Activate your services
We show you the accounts and features available for your profile and location.
-
03
Move your money
Receive, convert and send with all the information visible before you confirm.
Security and transparency
Trust isn't promised.
It's proven.
BNKA combines a global technology experience with services provided by authorized entities in each jurisdiction.
Regulated entities
Financial services are provided by authorized and supervised providers in each country.
Protection on every operation
Identity verification, monitoring and controls designed to protect your account.
Everything visible before you confirm
Exchange rate, possible costs and final amount, presented before anything executes.
BNKA is not a banking or financial institution. It acts exclusively as a technology interface and infrastructure platform: available financial services are provided through authorized and supervised entities in each jurisdiction. Availability depends on the user's country and profile.
The app
Real screens.
Real money, really moving.
Why BNKA
Compare with everything in sight.
The way it should always be.
| Feature |  |
Traditional banking | Several separate apps |
|---|---|---|---|
| Euros and your local currency in one app | ✓ | — | Spread across several |
| Final amount visible before you confirm | ✓ | Not always | Depends on the app |
| Sign up with a passport | ✓ | Usually requires residency | Varies |
| Built for living between Europe and Latin America | ✓ | — | — |
| Pay bills in your country from Europe | ✓ | — | Rarely |
Indicative qualitative comparison of typical experiences; actual conditions depend on each institution and country.
Frequently asked questions
Clear from the start.
What is BNKA and who provides the financial services?
BNKA is a technology platform. The available financial services are provided through authorized and supervised entities in each jurisdiction.
Can I start with just my passport?
Yes. You download the app, verify your identity with your passport, and we show you the services available for your profile and location.
Can I receive my salary or client payments?
Yes. With the euro account details available for your profile you can receive your salary or your clients' payments, and later decide when to convert or send.
How much does it cost to send money?
Before you confirm any operation, the app shows you the exchange rate and the final amount that arrives. What you see is what arrives, with no surprises at the end. Depositing euros by SEPA and withdrawing to your own account costs 0.40% with a 0.70 EUR minimum: see the fees.
In which countries is it available?
BNKA connects Europe with Argentina, Peru and Colombia, and those countries with each other: you can move money from Argentina to Peru, Peru to Colombia or Colombia to Argentina without routing through the dollar. It works with euros, Argentine pesos, soles and Colombian pesos, and with dollars outside the EU and the EEA. The availability of each service depends on the country and the user's profile.
Are QR payments available in my country?
For now it works in Peru. QR payments let you pay at shops across the country with whatever balance you hold, euros or pesos, and the app guides you to activate your soles account if you do not have one yet. It is not yet available in Argentina or Colombia.
How do I get paid with BNKA?
You send a payment request from the app or the web. Whoever pays you uses the currency they hold: euros, Argentine pesos, soles or Colombian pesos. You receive in yours without waiting for business days, any day, any hour. No card readers, no POS.
What exchange rate do I get?
The one you see on screen before confirming. The values in this simulator are for reference; the rate applicable to your operation is always shown in the app before it runs.
Is there a dollar account?
Yes, for residents outside the EU and the EEA. The dollar service is provided by Bridge (Bridge Ventures LLC) and is not available to residents of the EEA. From your dollars you can send to Mexico by SPEI and to Brazil by Pix. More information.
Can I send money from Spain to Argentina, Peru and Colombia?
Yes. You get paid in euros and send in local currency: to a CBU or CVU in Argentina, to a CCI or a Yape or Plin mobile number in Peru, and to an account in Colombia. You see the amount before you confirm. Transfers from Spain.
Start today
Your money where you live.
And where you're from.
Open your account from your phone in minutes and discover the services available to you. Over 79,000 Latin Americans already manage their money across two continents.
Download the app · Sign up with your passport · Exchange rate visible before you confirm
