The complete product

Everything money does, in one wallet.

Receive, manage, send, and spend international funds from a single secure account — at the real exchange rate, with every fee shown before you confirm. Here's the whole product, feature by feature.

Free to open · No monthly fees · Funds safeguarded

Payment received+$4,200 · USD
Card payment · Tokyo¥8,400 · at real rate
0Currencies to hold & convert
0Countries you can send to
0Typical transfer time
0Monthly account fee
Four pillars, one account

Receive. Manage. Send. Spend.

The whole money journey — from the moment funds land to the moment you spend them — handled in a single place, with nothing stitched together.

01 · Receive

Get paid from anywhere.

Collect money from international clients, employers, and marketplaces as easily as a local bank transfer.

  • Local receiving details & virtual account numbers in major currencies
  • Get paid by clients, employers & marketplaces like a local
  • Instant notification the moment funds arrive
  • No fee to receive, from anywhere in the world
Explore receiving →
02 · Manage

Hold and control 40+ currencies.

Keep balances in the currencies you use, see exactly where your money sits, and convert only when the rate suits you.

  • Multi-currency wallet — hold many balances at once
  • Real mid-market rates with one transparent, low fee
  • Transaction history, statements & spending analytics
  • Spaces (sub-accounts) to separate personal, business & projects
Explore the account →
03 · Send

Move money in seconds.

Send to 160+ countries at the real exchange rate, with the exact amount your recipient gets locked in up front.

  • Send to bank accounts, wallets & mobile money
  • Fast transfers — many arrive same-day or in seconds
  • Bulk & batch payments for payroll, vendors & freelancers
  • Scheduled and recurring transfers, set once
Check the live rate →
04 · Spend

A card for every currency.

Tap to pay anywhere cards are accepted. Arivterai spends the right balance automatically, at the real rate.

  • Physical & virtual debit cards linked to your wallet
  • Spend in local currency with automatic conversion
  • Card controls: freeze, spending limits, merchant rules
  • Apple Pay & Google Pay from day one
Explore the card →
Built for real life

Money that moves the way your life does.Move money freely.

Invoicing a client abroad, splitting a trip with family, or paying a supplier overseas — it's one calm place for your money, quietly doing the heavy lifting in the background.

Send, receive, and spend across borders.

All in one place

The details that make it feel effortless.

The smaller features you'll use every day — designed to keep you informed, in control, and in the clear.

History, statements & insights

Every transaction in one clean timeline, downloadable statements, and spending analytics that show exactly where your money goes.

Real-time alerts

Instant pings for money in, money out, and every card tap.

Rate alerts & auto-convert

Set a target rate once and we convert automatically when it hits.

Virtual cards on demand

Spin up disposable cards for safer online spending, then delete them anytime.

Biometric security

Log in with your face or fingerprint and approve payments in a single tap.

Spaces for every part of your life

Split personal, business, and project money into separate spaces — each with its own balance, in any currency you hold.

Scheduled & recurring payments

Set rent, payroll, or savings once and let them run automatically, right on time.

One wallet. Every possibility.

Money that never leaves the wallet.

Receive, hold, convert, send and spend — all in one secure account.

  • ReceiveGet paid from anywhere in the world.
  • HoldKeep money in multiple currencies.
  • ConvertConvert at great rates in seconds.
  • SendSend to bank accounts worldwide.
  • SpendUse your card online or in-store.
The Arivterai wallet app on a phone alongside a card
Safe by design

Security and compliance, built in.

Every transfer is protected with layered security, identity checks, and controls that keep your money in safe hands.

EncryptData protected in transit and at rest
VerifyIdentity and transaction checks built in
ProtectFunds held with trusted regulated partners
Control2FA and card controls for extra safety

See our full security approach →

One wallet for everything money does.

Receive, hold, send, and spend across borders from one simple account.