Your money, everywhere it needs to be.
ZelFinance gives you a multi-currency digital wallet, instant transfers to 150+ countries, and a crypto account — all in one place, built on European banking infrastructure you can trust.
250,000+
Account holders
€180M+
Processed annually
150+
Countries reached
99.97%
Platform uptime
Financial mobility by design
Every feature engineered around one question: does this make your money move better?
Multi-Currency Wallets
Hold USD, GBP, EUR, AUD, JPY, CNY, and ILS in a single account. Convert instantly at published, transparent rates.
Instant Transfers
Send to any ZelFinance user by @username, free and settled immediately. External wires processed with fees shown upfront.
Virtual Cards
Request a virtual card once verified. Reviewed and activated by our operations team for your protection.
Savings Goals
Set a target, deposit on your schedule, and track progress with funds held separately from daily spending.
Bank-Grade Security
256-bit encryption, two-factor authentication, and mandatory step-up verification on every outgoing transfer.
Rapid Verification
Complete identity verification in minutes. Clear tier progression unlocks higher limits as your needs grow.
Regulated. Accountable. Transparent.
Financial trust isn't a slogan — it's a regulatory obligation we take seriously.
BaFin
Federal Financial Supervisory Authority — our primary German regulator
PSD2 Compliant
EU Payment Services Directive standards across all transactions
Deposit Segregation
Customer funds held separately from operating capital at all times