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.

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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.

Two profiles, one app.

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.

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Move in real time

Check your balance in seconds.

Switch to Fast Mode

How BNKA works

1
Create your account and verify your identity
We’ll ask for basic information to protect your access and activate your account.
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.
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.

Flow of Funds

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.

Technology

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 PartnersConnectors with authorised providers for EUR accounts, payments and currency conversion, subject to country and availability.
Audit recordAn immutable record of operational events for audit and reconciliation. This layer does not move money and does not hold balances: it only leaves a verifiable trace of each event.

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.

Transfers

Send money to Argentina, Peru and Colombia with the final amount shown before you confirm.

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

Security

Identity verification (KYC)
Encryption and access controls
Biometric authentication (if supported by your device)
Activity monitoring and fraud prevention

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

Is BNKA a bank?

No. BNKA is a technology platform.

Where are my EUR funds held?

In accounts provided and safeguarded by regulated payment service providers (PSPs/EMIs), subject to availability.

Who processes the payments?

Payments and account operations are processed by regulated institutions. BNKA transmits your instruction, displays the result, and records the transaction status.

Does BNKA use blockchain?

The platform keeps an event record for audit and reconciliation. That record does not move money and does not hold balances. Financial services and currency conversion are executed by authorised providers on their own systems.

Start today

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.