A better way to send, receive, and manage money globally

Get multi-currency IBAN accounts, send and receive money globally. Manage your money all in one place, and easily pay or get paid anywhere in the world just like a local.

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  • Over 70 currencies

  • Multiple Banks

  • 180 Countries

by your side to save you money round the world

Supercharge Your Payment Experience

  • Tap into the alternative banking and payment services that work best for you.

  • Manage money globally with 70 multi-currency accounts designed to save you money anywhere you go.

Get local and IBAN accounts in minutes

Open a local and International Bank accounts with Local account number and IBAN in multiple countries and currencies in minutes.

Get a Free Account Now

An account to send, receive, and spend money with ease

Easily and rapidly send or receive money from country to country as a local for FREE, with a choice of over 70 different currencies.
Easy and cheap International Money Transfers

Supercharge your cross-border money transfers and payment experience.

Save up to 5x when you send money to Africa

Send Money to Africa for Free. Pay in Bank account, Mobile Money or Send for Cash Pickup without charge

We’re simple and affordable to work with

Our exchange rates are better and clear. And our fees are low and affordable.


OneCard Built For Payments Across Africa

  • Send, receive, pay or get paid anywhere in Africa with OneCard

  • Making payments and transfers are 5x Cheaper, as well as simpler and faster anywhere in Africa with OneCard.

  • Get OneCard in all African currencies

The easiest way to shop globally

Shop and pay your way with confidence

  • Get virtual Visa, MasterCard or OneCard to start spending immediately

  • Spend, pay and withdraw cash wherever you are

  • Choose your preferred local payment method and exchange rate in over 200 countries


Pay bills and invoices like a local

  • Make cross-border bill and invoice payment as if you were right there locally

  • Setup and manage cross-border subscriptions

  • Top-up, buy airtime, data and access local value added services while away from home


Smart open banking and payments

  • Connect and manage your multi-currency accounts all in one place with a full 360-degree view of your financial picture.

  • Get a better sense of where your money is going so that you’re not surprised by unexpected expenses.


Business account to start, run, and grow your business

  • Smart business accounts to pay and get paid in multiple currencies anywhere in the world as a local.

  • Local payment options to give your customers more buying power and control.

  • Smart business tools to make payments between businesses and customers more efficient, secure, and fast.

Here to help you get your new life started

Start A New Life, Worry-Free

Moving and living in a new country can be a challenge. Lakoos has got your back - get your finances in order quickly and easily.

Enjoy a dedicated international super app

A financial super app built for everything you need to do with money. Anywhere. Anytime

Connect all your accounts in one place

Everyone has their preferred method of sending or receiving money, we've packed it all in one super app.

Supercharge your payment experience

Making global payments and financial services local, simple, straightforward, and accessible

Why use Lakoos as your global money manager?
Better way to spend and save

Spend money without any hidden charges in over 200 countries

We're making Global your Local

Account to send, receive, and spend the world with ease as a local

We're Faster and more Secure

Get your multi-currency accounts in minutes. No paperwork. No credit check.


We'll always have your back

Our priority is to protect your money and keep you Safe

Automated Fraud Monitoring System

Our AI/ML-powered automated Fraud-Monitoring system detects and automates decisions to proactively stop fraudulent behaviour.

We're SCA PSD2 Compliance

We use physical object, OTP and biometric data to comply with European PSD2 directive requirements for Strong Customer Authentication (SCA)

Three-tier security architecture

Built on three-tier security architecture, we follow the best practices and use industry-leading technologies to protect your money and keep you safe

Protected by Regulated Banks

By law, your money is safeguarded and protected by a regulated bank. We keep your money secure in these banks until you decide to pay it out.

Data Protection and Privacy

We're required by law to protect and secure your personal data, and we remain transparent as to how we collect it, why we do it, and where we store it.

Dedicated Counter Fraud Team

Lakoos has a zero-tolerance approach to fraud. Our dedicated counter fraud team works 24/7 to detect, prevent and deter fraud on the Lakoos network.

We've answered some of your Questions

Find answers to frequently asked questions about managing money globally

No, Lakoos is not a Bank. Lakoos is an efficient way to enjoy banking and payment services, and money management, such as sending, receiving, and spending money anywhere.

Your money is perfectly safe with us. We understand the concerns behind the fact that we are not a bank in the traditional sense. However, we use safeguards from some of the world's leading financial institutions to keep your money safe and secure.

Yes, the Lakoos financial super app is for everyone. Our financial services and how you access them depends on your country of residence. We offer accounts in multiple currencies, payments, remittances, and financial tools to help you manage your money and take control of your financial freedom

Yes, you can connect and manage multiple accounts in different currencies and countries. Lakoos has partnered with financial institutions and mobile money operators around the world to bring all of your finances to the Lakoos mobile super app, so that you can watch over your money in one simple place

Living and working away from our home countries, we need more variety and total control in our banking and financial lives! But one thing is still unbalanced. Banking without borders and making our money work around our way of life is frustrating, slow, and expensive. Sadly, we’re all stuck with the same boring and bland options. No matter where you’re from or where you’re going, we commit to helping the financial lives of migrants and nomads by providing them with an easy, affordable and better way to manage, convert and move their money globally just like a local.

Still have a question? visit our Frequently Asked Questions or contact us from the in app messaging


Get Lakoos super app

Join a better way to manage money globally without borders. download Lakoos financial super app

  • No credit check

  • No paperwork

  • No Fees