Getting started

What is Fundly

Fundly turns the crypto you already hold into money you can spend with a card and an IBAN account, wherever you were born.

In one sentence

Fundly turns the crypto you already hold into money you can spend anywhere, in minutes, with a card and an IBAN account that work regardless of your passport.

You deposit crypto from one of the supported chains. Fundly converts it to your account currency (USD or EUR) at a published rate. You spend it with a Visa or Mastercard-network card, online or in shops, and with a EUR IBAN account once you are verified.

What Fundly is not

Fundly is not a bank and does not hold a banking licence. Cards are issued by [PARTNER], and the EUR IBAN account is provided by [PARTNER]. Both are licensed partners, and your account and card are governed by their terms as well as ours. See How your funds are held for the details.

Fundly is not an exchange. There is no order book, no trading and no yield product. You deposit, we convert, you spend.

The three ideas behind Fundly

Crypto in, money out

Deposit USDT, USDC, ETH, BTC, SOL and more from 10+ chains. No exchange account, no bank transfer wait, no off-ramp shuffle. See How deposits work.

Borderless by default

Freelancers, remote workers and people whose local banks are slow, expensive or closed to them can open an account, get a card and receive payments in EUR. Availability depends on your country. See Supported countries.

Start light, grow into it

You can get an Instant card the moment you sign up, with a light sign-up (email, phone, country check). Instant cards have monthly limits set by our partner and regulators. When you want higher limits, a physical card and an IBAN account, you verify your identity. See Instant vs Verified.

What you can do with Fundly

Get a virtual card in minutes from the Fundly web app at app.fundly.xyz (Apple Pay and Google Pay are planned, subject to partner support).
Order a physical card once verified, shipped to 100+ countries.
Open a EUR IBAN account with SEPA and SEPA Instant, receive salary and client payments, and send transfers.
Freeze your card, set limits and block merchant categories from the app.
Deposit from Ethereum, Base, Arbitrum, Polygon, BNB Chain, Solana, Tron, Bitcoin and Lightning at launch.

Note

Fundly launches as a web app first. Native iOS and Android apps are coming soon, and the web app works on phones in the meantime.

Note

At launch, plans are Free, Plus and Premium. Fees and limits in these docs are the launch values and may change. The exact fee and rate are always shown in the app before you confirm a deposit or payment.

Where to start

Read Create your account.
Decide between an Instant card and full verification in Instant vs Verified.
Make your first deposit using the chain guide that matches your wallet, starting with Deposits overview.
Check the Fee schedule so nothing surprises you.

Tip

If you are unsure which chain to use, USDT or USDC on a low-fee chain such as Tron, Solana or Base is the cheapest way to make a first deposit.

Create your account

Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.