Control your money from a single app.
Access your balance, switch between currencies, and make payments for yourself or on behalf of others — with transparent fees shown before you confirm and human support whenever you need it.
Clear fees before confirmation.
Regulated partners for EUR accounts and payments.
Traceable transaction records.
BNKA is a technology platform. EUR account and payment services are provided by authorized payment service providers (PSPs/EMIs), subject to country availability.
Simple if you're not tech-savvy. Fast if you are.
To use your money without complications
- - Keep your balance organized by currency.
- - Convert to local currency whenever you need.
- - Pay bills or expenses for yourself or on behalf of others.
Move in real time
- - Check your balance in seconds.
- - Pay with your card or through local services.
How BNKA works
Step 1: Create your account and verify your identity
We’ll ask for basic information to protect your access and activate your account.
Step 2: Your EUR balance is held with regulated institutions
When you operate in EUR, your funds are managed through accounts provided by authorized PSPs/EMIs, subject to availability.
Step 3: You confirm, and the regulated provider processes the transaction
BNKA displays the final outcome, status, and transaction record so you have full control and traceability.
How funds move
Funds in EUR remain within regulated institutions (PSPs/EMIs), subject to availability and applicable conditions.
Safeguarding of Funds
EUR funds remain within regulated institutions (PSPs/EMIs), subject to availability and applicable conditions.
User instruction
You choose what to do with your balance — exchange currencies, make a payment, or access your funds — always seeing the final result before confirming.
Processing by Regulated Providers
Account and payment operations are executed by authorized regulated providers. BNKA acts as the technology interface and control layer.
Record-Keeping and Traceability
BNKA records operational events for reconciliation and audit purposes, enhancing transparency and reducing opacity between systems and partners.
Built for clarity and traceability.
Core Ledger (off-chain)
An internal ledger that reflects logical balances, transaction states, and partner-level reconciliation.
Orchestration with Regulated Partners
Connectors with regulated providers for EUR accounts, payments, cards, and processing, subject to country and availability.
Audit Layer (on-chain, no stored value)
An immutable record of operational events for audit and reconciliation purposes: no tokens, no stablecoins, and no balances on the blockchain. Only verifiable event logs.
What You Can Do with BNKA
Discover how BNKA lets you manage your money in a simple, transparent, and borderless way.
Multi-Currency
Organize your balance in different currencies from a single app.
Currency Exchange
Convert with the final amount shown before you confirm (applied rate + fees).
Payments
Use your balance to pay for services or expenses — for yourself or on behalf of others — subject to local availability.
Card
Pay at merchants or withdraw cash with a card linked to your balance, subject to availability.
Fees and Transparency
Everything Clear Before You Confirm
Before any transaction is executed, you will see:
Final amount
Applied rate
Associated fees (if applicable)
Estimated time
Nothing is processed without your confirmation.
Security
Identity verification (KYC)
Encryption and access controls
Biometric authentication (if supported by your device)
Activity monitoring and fraud prevention
No system eliminates risk entirely, but BNKA applies reasonable measures to mitigate it.
Transparency That Protects You
BNKA is a technology platform for management and record-keeping. The underlying financial services (EUR accounts, safeguarding of EUR funds, and payment execution) are provided by authorized PSPs/EMIs, subject to availability.
This means your funds are held within regulated perimeters, while BNKA focuses on giving you control, visibility, and traceability.
FAQs
No. BNKA is a technology platform.
Start today, at your own pace.
Create your account, verify your identity, and begin managing your balance. Activate features based on your country and your needs.
Get started with BNKA
