Currenxie

Pricing

• •Card fees are quoted in HKD because the card is a Hong Kong product, and in the EU it is still listed as coming soon. Non-standard fees are quoted in USD, and shipping a physical card costs up to HKD 375.

Limits

• •No amount limits are published for this account.

Payments & transfers

• •The list of countries Currenxie can send to and receive from is described as illustrative and subject to change, not a fixed guarantee.
• •Payouts in ZAR, JPY, AED, and ILS are available only via SWIFT, not local rails.
• •Currenxie is an electronic money institution, not a bank. Its EU entity is authorized by the Central Bank of Ireland (reference C471225) and has been a direct SEPA participant since 2026.
• •Hong Kong dollars are collected locally from an account in Hong Kong, and paid out locally to Hong Kong.
• •Canadian dollars are collected locally from an account in Canada, and paid out locally to Canada.
• •Sterling is collected locally from an account in the United Kingdom, and paid out locally to the United Kingdom.
• •Mexican pesos are collected locally from an account in Mexico, and paid out locally to Mexico.
• •Offshore renminbi (CNH) is collected locally from Hong Kong, and CNH payments can be sent to accounts in China.
• •Australian dollars are collected locally from an account in Australia, and paid out locally to Australia.
• •Euros are collected over SEPA from the eurozone and also from UK accounts, and outgoing SEPA payments reach Jersey and Réunion as well. A local euro IBAN is included when you register.
• •Japanese yen is collected locally from an account in Japan, but outgoing yen travels only over SWIFT: there is no local JPY payout.
• •US dollars are collected locally from an account in the United States, and paid out locally to the United States.

Business activity

• •The account is for business activity only: using it for personal purposes such as gifts or personal loans is not permitted.
• •Beyond the sectors already flagged as prohibited, Currenxie's acceptable-use policy also bars some activities that the sector filter does not capture (for example antiquities and cultural artefacts, the trade in animals, and hazardous materials), and it may decline any business it considers to exceed its internal compliance-risk threshold.

Opening an account

• •The account is opened through an online application, with no visit to Hong Kong required.
• •Anyone who ultimately owns more than 25% of the company (whether an individual or another company) must provide identification and proof of address.
• •Businesses registered in the United States cannot be onboarded, but the USD collection account stays available to everyone else.

Countries & residency

• •Having US-based directors does not by itself disqualify a company, provided the company itself is not registered in the US.

Licence & regulation

• •Currenxie also holds full e-money or money-service licences in the UK (Financial Conduct Authority), Hong Kong and South Africa.
• •Currenxie's footprint in Australia, Canada and the United States is limited to money-services-business and AML registrations, not full e-money licences.