Readable prices, declared costs
Four plans, one rule: you know the exact cost of an operation before you validate it. The essential features stay free on every plan.
To send, receive and manage your money day to day.
- Multicurrency account and eight digit CFPAY reference
- CFPAY World transfers to 180+ countries
- One virtual card and one physical card
- Unlimited PDF and CSV statements
- Notifications in the app and by email
For those who change currency often.
- Everything in Standard, plus:
- Market rate exchange with an extended monthly allowance
- Unlimited single use cards
- Unlimited savings vaults with automatic round ups
- Priority support
To travel, invest and stay covered.
- Everything in Plus, plus:
- Travel and device insurance included
- Extended overseas withdrawals
- Managed investment access
- Raised transfer limits
For intensive international use.
- Everything in Premium, plus:
- Metal card and enhanced cashback
- Exchange with no monthly allowance
- Dedicated adviser and absolute priority
- Bespoke limits after a compliance review
Indicative amounts shown for demonstration. Real transfer fees depend on the corridor, the currency and the funding method and are always displayed before you confirm inside your account.
Three simple commitments on price
The cost is shown before you confirm
Rate, fee and exact amount received appear on the quote screen. Nothing can be added after execution.
No penalty for being global
The corridor determines the cost, not your nationality or your country of residence. Every customer sees the same schedule.
Change or leave at any time
Plans are switched in one click and take effect on the next cycle. Closing an account never costs anything.
What customers ask before opening an account
Do I need to install an app to use CFPAY?+
No. CFPAY is a fully web based bank: account opening, biometric identity verification, payments, cards, savings and statements all work in your browser, on mobile and on desktop alike. You can add the site to your home screen to get the comfort of a native app, with no download and no updates to manage.
How does sending money abroad work?+
Every account receives a unique eight digit reference tied to your email address. You enter that reference, an email address or an @tag, plus the amount and CFPAY instantly calculates the conversion, the fee and the exact amount the recipient will receive. The debit is taken from your balance or an authorised card, with a biometric signature before execution.
What information is requested when I open an account?+
Full identity, an address verified against the official mapping database, a proof of address filmed live, an identity document, a facial check with liveness detection and compliance details such as occupation, source of funds and politically exposed person status. The guided journey always shows what remains outstanding.
What happens if a compliance control fails?+
Sensitive operations stay suspended and the “My compliance file” page lists precisely each missing element, with a direct link to the field or capture to complete. As soon as the file is complete you rerun the automated controls and activation is immediate if everything checks out.
Are my funds and my data protected?+
Every operation is encrypted end to end and signed from your device with a fingerprint or Face ID. Data access follows least privilege: nobody, including support staff, can change your regulatory status or lift a card freeze without an explicit server side control.
Is CFPAY suitable for a company?+
Yes. The Business module covers bulk payments, payroll, employee cards with limits, virtual accounts for reconciliation, invoice financing and cash flow forecasting, with distinct roles for directors, accounting and operators.
Start on Standard, upgrade whenever you like
Open a free account today and change plan in one click when your needs grow.