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A bank account for money that crosses borders.

Hold money in the currency you need, send it to the countries you trade with, and see every movement on a single statement. No monthly minimum, and no fee for keeping the account open.

We hold your balance, including money we recover for you before it reaches you. Money you hold with us is not covered by the FSCS, the FDIC, or any other deposit guarantee scheme. Read the account agreement before you fund an account.

Open an accountAsk a question first
To open an account
Free
Monthly minimum
£0
To keep it open
£0
Deposit guarantee
None. Your balance is not covered by the FSCS, the FDIC, or any other scheme.

Sending and converting are charged. The full schedule is below.

Currencies you can hold.

Add any of these when you open the account. Balances in different currencies are kept separate, and you convert when you choose to rather than when we decide to.

  • USD

    US dollar

  • EUR

    Euro

  • GBP

    Pound sterling

  • SGD

    Singapore dollar

  • AED

    UAE dirham

  • CAD

    Canadian dollar

  • AUD

    Australian dollar

What the account does.

  • Hold several currencies at once

    Keep balances in the currencies you actually use rather than converting back and forth at a rate you did not choose. You can add a currency whenever you need it.

  • Send money abroad

    Transfer to a bank account in the supported countries, or to another Solariem account. Transfers made before the daily cut-off are normally sent the same working day.

  • One statement, every currency

    Every movement appears on a single statement with the exchange rate and the fee shown separately, so you can see what you actually paid to move the money.

  • Cards that you control

    Issue a virtual or physical card per account, freeze it instantly, and set a per-transaction limit. A lost card is a support ticket, not a lost balance.

  • No monthly minimum

    There is no monthly balance requirement and no fee for keeping an account open. You are charged for the transfers you make, at the rate shown before you confirm.

Opening an account.

Most applications are decided the same day. We accept applicants from the UK, US, Singapore, UAE and we will tell you plainly if we cannot serve you.

  1. 01

    Apply

    Email, phone, and a document to confirm your identity. It takes about ten minutes.

  2. 02

    Verify

    Identity verification runs before the account opens. This is a legal requirement, so it cannot be skipped.

  3. 03

    Fund it

    Add money by bank transfer, card, or from another account you hold with us.

  4. 04

    Use it

    Hold, send, and convert. Everything shows on your statement as it happens.

What it costs.

Opening an account is free, and we do not charge a recovery fee unless money is actually returned to you. When money comes back, we take 15–25% of the amount that actually reached you, at the rate agreed in writing before the case begins. If nothing is returned, no success fee is due. The only other charges that can arise are account-level ones — for example, clearing a restriction on an account held for verification — and those are shown to you in the app with the amount before you authorise them.

To open an account
Free
Monthly minimum
£0
To keep it open
£0
Money coming in
Free
Sending within the UK and the EU
Free
Sending outside those, per transfer
£6
Converting between currencies
0.4% of the amount
A recovery case, if you use one
15–25% of amounts actually returned. No success fee if nothing comes back.

Amounts are quoted in pounds sterling. What is charged in another currency is shown in the app before you confirm, together with the exchange rate.

Questions about accounts.

What does it cost?
Opening an account is free, and we do not charge a recovery fee unless money is actually returned to you. If money comes back we charge 15–25% of the amount that actually reached you, at the rate agreed in writing before the case starts. If nothing is returned, no success fee is due. The only other charges that can arise are account-level ones, such as clearing a restriction on an account held for verification, and those are shown to you in the app with the amount before you authorise them.
Are you a bank?
Solariem Trust Bank holds money for customers in multi-currency accounts, and money we recover for you is credited to the Solariem account it belongs to. Balances held with us are not covered by the FSCS, the FDIC, or any other deposit guarantee scheme, so treat a balance with us differently from money sitting in a bank current account. If you want to know which authorisations we actually hold, ask us directly and we will answer in writing rather than give you a marketing line.
Is my money insured?
No. There is no deposit guarantee or deposit insurance behind a balance held with us. Treat money held with Solariem differently from money in a bank current account. The account agreement sets out exactly what protection, if any, applies, and we will give you a copy before you fund an account.
Will you keep my case confidential?
We treat your case as confidential and we do not sell or share your details. But we will never ask you to keep a case secret from your own lawyer, your bank, or your family. Legitimate firms have nothing to hide from advisers, and a request to do so is a warning sign rather than a reassurance.
Do you work with regulators or law enforcement?
We are not affiliated with any regulator, police force, or government body, and we will never claim to have special access to them. We work through banks, exchanges, ombudsman schemes, and the courts. If a firm tells you it has contacts inside a regulator, that is not true.
Who can open an account?
We accept applicants from the United Kingdom, the United States, Singapore, and the United Arab Emirates. You must be at least 18 years old and pass identity verification. Some restricted jurisdictions cannot be served, and we will tell you if that applies to you.