Budgets that hold the line
Set daily, monthly or per-merchant caps. Cards decline politely before anyone overspends.
38 currencies, one account
Money that keeps pace with you
Multi-currency accounts, cards and payouts for teams that can't wait three business days.
Funds safeguarded
Held at Tier-1 partner banks
Volume
moved through Cuxira accounts in 2025
Live ledger
USD · EUR · GBP
−€2,400.00Settling…
+$18,750.00Settled in 4s
−£3,120.00Settled in 9s
“Paying 14 contractors in 9 countries used to eat my Fridays. Now it's a two-minute job.”
Lena Okafor
Founder, Okafor Studio · Lagos
Trusted by 12,000+ teams in 64 countries
Northwind
Halden Labs
BRIGHTLANE
Okafor Studio
vela freight
Mosaic & Co.
One platform
One account, four jobs
Stop stitching together a bank, a card provider, a payroll tool and a spreadsheet. Cuxira does all four, in one ledger.
Explore every feature →
€48,210.55
01 — Accounts
Hold 38 currencies in one account
Get local account details in USD, EUR, GBP and more, so clients pay you like a local and you never lose 3% to a surprise conversion.
- Local details in 12 countries
- A named IBAN for every client
- Balances update in real time
$2,000 / month
02 — Cards
Cards that follow your rules
Issue virtual cards in seconds and physical cards in days. Set limits per person, per merchant and per month.
- Unlimited virtual cards
- Merchant and category locks
- Receipts matched automatically
Settled in 48s
03 — Payouts
Pay 50 contractors before lunch
Upload a CSV or sync your payroll tool, approve once and watch every payout settle, most of them in under a minute.
- Batch payouts to 90+ countries
- Two-step approvals
- Fees shown before you send
4.1% APY
04 — Treasury
Let idle cash work overnight
Sweep surplus balances into a treasury account and earn up to 4.1% APY, with same-day access whenever you need it.
- Automatic sweep rules
- Same-day withdrawals
- Daily interest statements
By the numbers
Built for money that moves
Real volume, real speed. These are the numbers our customers see every day.
Volume in 2025
moved through Cuxira accounts, up 3.1× on 2024
Settlement
median time for a payout to settle
Coverage
currencies to hold, convert and pay out
Reliability
platform uptime over the last 12 months
Customers
startups, studios and freelancers
Spend controls
Control every dollar without slowing anyone down
Two taps to approve
Route spend over $1,000 to a manager. Approve from a push notification, even at the airport.
Receipts that file themselves
Snap a photo or forward the email. We match it to the transaction and your ledger in seconds.
Lock a rate for 48 hours
Quote a client in euros on Monday and get paid at the same rate on Wednesday. No surprises.
Access for every seat
Give your accountant read-only access, your ops lead card controls and keep payouts for you.
Know before your bank would
Instant alerts for large payments, low balances and new devices, sent to Slack, email or phone.
Customer stories
Teams that stopped waiting
We invoice clients in four currencies. Cuxira turned month-end from a three-day headache into a coffee break.
Omar Haddad
Founder, Northwind Studio · Lisbon
3 days → 40 min
month-end close
Integrations
Plugs into the stack you already run
Accounting, payroll, invoicing and commerce tools sync both ways, so your books close themselves at month-end.
40+
native integrations
2-way
ledger sync
Open
REST API & webhooks
Browse all integrations →
The honest math
What ‘free’ business banking really costs
A studio sending $40k a month to people abroad. Same transfers, two very different receipts.
See transparent pricing →
Receipt · 12 months
No. CX-2025-0412
Item
Bank
Cuxira
Monthly account fees
$420
$0
International transfer fees
$2,160
$58
FX markup on $480k
$13,920
$1,680
Cards and spend controls
$600
Included
Days waiting on settlement
~96 days
< 1 day
Total cost
$17,100
$1,738
You keep
$15,362 a year
Illustrative example: 2.9% bank FX markup vs 0.35% on Cuxira Growth, 48 international transfers a year.
How it works
Live in 15 minutes
No branch visits, no fax machines and no waiting for a letter with your PIN.
Tell us about your business
Company name, country and what you sell. No branch visit and no paperwork in the mail.
Verify with one selfie
Upload an ID and take a quick selfie. Most teams are approved in under ten minutes.
Fund your account
Get local details instantly and move money in from any bank, or ask a client to pay you.
Send your first payout
Invite your team, issue cards and pay anyone in 90+ countries. That's it, you're live.
Security
Serious about your money
Tap any tile to see exactly how we protect your balances, your data and your team.
Get started
Stop waiting on your bank
Open an account in 15 minutes. No monthly fee on Starter, cancel any time.
Open your account
Talk to sales →
23:41 · Settled while you were out
+$12,480.00 from Northwind Studio