Oneaccount.Four currencies.Zero borders.
Hold and move USD, CAD, GBP, and EUR from a single account. Receive from friends and family for free — and wire directly to local banks in the US, Canada, and the UK.
0%
Incoming transfer fee
0.0%
Flat conversion fee
0s
Live rate refresh
My Wallets
LiveUS Dollar
12,450.04
CA Dollar
4,200.54
British Pound
890.08
Euro
1,180.06
Activity
Incoming · Free
+ $500.00 USD
From Dad
01
Four-currency wallet
Hold USD, CAD, GBP, and EUR side-by-side. Convert at the mid-market rate.
02
Free from friends & family
Receive money from anyone, in any of the four currencies, with zero incoming fees — ever.
03
Wire to local banks
Send directly to bank accounts in the US (ACH/Fedwire), Canada (wire transfer to Canadian banks), and the UK (Faster Payments).
04
Mid-market FX
Live exchange rates with a transparent flat 0.4% conversion fee. No hidden markup.
Freelancers
Invoice in USD. Spend in EUR.
Receive client payouts straight into a US account in your name — convert only what you need.
In the wild
One account that meets you wherever you land.
Whether you're invoicing in dollars, paying tuition in pounds, or sending help home — Meridian Money keeps the rails local, the rate real, and the fees flat.
Get Started →Receive
Money in from anyone, anywhere — at no cost.
Share your local account details and let family, friends, or clients send funds the way they already know how. Incoming transfers are always free, in every currency we support.
- US routing & account number (ACH, wire)
- CA institution & transit number (wire transfer to Canadian banks)
- UK sort code & account number (Faster Payments)
- IBAN for SEPA across the eurozone
Your USD account details
Last incoming · Free
+ $2,400.00 USD
From Acme Corp · Payroll
Send
Wire straight into local bank accounts.
No correspondent banks. No SWIFT delays. Payouts land in the recipient's local rails — usually same business day — at a flat 0.4% conversion fee on the mid-market rate.
- United States — ACH & Fedwire
- Canada — wire transfer to any Canadian bank
- United Kingdom — Faster Payments
- Eurozone — SEPA & SEPA Instant
New transfer
You send
1,000.00 USD
Recipient gets
1,366.20 CAD
Mid-market 1.3717 · 0.4% fee · into RBC ••8842
Convert
Move between currencies at the real exchange rate.
Every conversion uses the live mid-market rate — the same one you see on Google or Reuters — plus a flat, transparent 0.4% fee. No spread games, no surprise markups.
- Live rate refresh every 10 seconds
- Flat 0.4% fee shown before you confirm
- Lock a rate on the platform for up to 60 seconds
- Full conversion history exportable as CSV
Convert balance
From
EUR
€ 2,000.00
To
GBP
£ 1,696.40
How it works
Onboard in minutes. Move money in seconds.
01
Create your account
Sign up with your email, password, country of residence, and preferred currency.
02
Verify your identity
A standard KYC check — government ID, proof of address, and a selfie photo.
03
Get four local accounts
USD, CAD, GBP, and EUR account details — all in your own name — appear instantly.
04
Send, receive, convert
Share your local details to receive for free, or wire out to any bank in seconds.
Live mid-market rates
Real rates. The same ones the banks see.
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USD → CAD
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1 USD = … CAD
USD → GBP
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1 USD = … GBP
USD → EUR
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1 USD = … EUR
USD → INR
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1 USD = … INR
Who it's for
Built for people who live in more than one place.
Remote workers
Get paid in USD, spend in your home currency.
Receive invoices from US, UK, or EU clients into your local account. Convert only what you need, when you need it.
Freelancers
One profile, four payout currencies.
Share whichever account details your client prefers. No more lost fees through intermediary banks.
Families abroad
Send help home without losing 6% to fees.
Wire directly into a recipient's local bank account at the mid-market rate, with a flat 0.4% fee.
Students
Tuition payments without the markup.
Pay schools in USD, CAD, GBP, or EUR straight from a matching local balance.
Frequent travellers
Spend locally without the FX surprise.
Top up the currency you need before you land. No card-network conversion fees on top.
Small businesses
Pay contractors in the currency they invoice.
Bulk payouts to US, CA, UK, and EU bank accounts — straight from your Meridian balance.
Joint accounts
Built for the people you share a life with.
Rent, tuition, aging parents, a new business — the money that matters rarely belongs to just one person. Meridian Money lets you hold, send, and receive across four currencies together, without the awkward reimbursements or the "which card did you use?" texts at the end of the month.
And because you stay in control, you decide what shared really means — from full equal access to spending limits that keep everyone in bounds.
One account, two names on it
Start solo, add your person later — no separate wallets to reconcile, no shared logins to worry about.
Invite in a couple of clicks
Send an invite from your dashboard the moment you're ready to bring someone in.
Everyone verified, properly
Your co-holder gets their own secure sign-up, so both names on the account are truly theirs.
You set the rules
Give full access, or set daily and per-transfer limits for your secondary holder — change them any time.
Security
Bank-grade by design. Boring on purpose.
Customer funds are held in segregated accounts at regulated partner banks — never lent out, never co-mingled with company assets. Every transfer is monitored in real time.
Segregated funds
Client money sits with regulated partner banks, separate from Meridian's own balance sheet.
2-factor by default
App-based authenticator codes, hardware key support, and device approval for every login.
Encrypted end to end
TLS 1.3 in transit, AES-256 at rest, and short-lived tokens for every API call.
Real-time monitoring
Anomaly detection on every transfer, with instant freeze on suspicious activity.
FAQ
Common questions.
Is there really no fee to receive money?+
Correct. Incoming transfers — from a friend, a family member, a client, or any bank — are free, in every currency we support. We make our revenue on the optional 0.4% conversion fee, not on receiving.
How do payouts to local banks work?+
When you send money out, we use the recipient country's domestic payment rails directly: ACH and Fedwire in the US, wire transfer to Canadian banks in Canada, Faster Payments in the UK, and SEPA across the eurozone. Most payouts land same business day.
What exchange rate do you use?+
The live mid-market rate — the same one you'd see on Google or Reuters. We add a flat 0.4% conversion fee on top, displayed before you confirm. No hidden spread.
Is my money safe?+
Customer funds are held in segregated accounts at regulated partner banks. They are not lent out, and they are not part of Meridian's own balance sheet.
Is Meridian a Bank?+
Meridian is a technology platform, not a bank. You can send, receive and hold money in various currencies. Financial services are provided by our regulated partners.
Pricing
Honest, flat, simple.
Receive money
Free
From friends, family, or anyone — in any of the four currencies.
Convert / Send
0.4%
Flat conversion fee on the mid-market rate. Local wires included.