Where your salary
and your satoshis
share one account.
Fluxbank pairs a regulated current account with a non-custodial crypto wallet, instant swaps, and a card that spends from either — no app-switching, no delays.
Live Markets
StreamingOne balance. Every currency you actually use.
Instant swaps
Convert between fiat and crypto in the same account, at live rates, with no third-party exchange in the middle.
Self-custody wallet
Your keys, insured cold storage, and the option to withdraw on-chain at any time — nothing is locked in.
One card, two balances
Set your card to spend fiat first and fall back to crypto, or the reverse — switch the priority anytime.
Real-time FX
Interbank exchange rates on 30+ currencies with a transparent, published markup — never a hidden spread.
Layered security
Biometric approval, withdrawal allow-lists, and EMV 3-D Secure 2.0 on every card transaction.
Built-in lending
Borrow against your crypto holdings without selling, or take a fiat loan with same-day approval.
Ready to move your money forward?
Account opening takes under six minutes. No paperwork, no branch visit.
A card that draws from whichever balance you choose.
Every Fluxbank card is a physical and virtual Visa, provisioned instantly and spendable from fiat or crypto balances at the point of sale.
VALID THRU 09/29
Tap to flip · This is a demo card design
| Tier | Monthly fee | Cashback | ATM withdrawals | Crypto spend |
|---|---|---|---|---|
| Slate Free | $0 | 0.5% | 2 free / mo | Manual convert |
| Flux Popular | $9 | 1.5% | 6 free / mo | Auto-convert at sale |
| Obsidian Premium | $29 | 3% | Unlimited | Priority routing, no spread fee |
Instant virtual card
Get a spendable virtual card the moment your account is approved — add it to Apple Pay or Google Pay right away.
Spend priority control
Choose whether purchases draw from fiat first or crypto first, and set per-category rules from the app.
Freeze in one tap
Lock your card instantly if it's lost — freezing blocks new transactions while pending ones still clear.
A self-custody wallet, without leaving your bank app.
Hold, receive, and swap 38 assets across five networks. Withdraw on-chain at any time — your keys are never held hostage to the app.
Swap
Convert between any two supported assets, or between crypto and your fiat balance, at the live rate shown below.
How the wallet works
Receive
Generate a fresh deposit address per asset, with QR support and address verification before you confirm.
Hold
Balances sit in insured, audited cold storage; a small hot-wallet buffer covers same-day withdrawals.
Move
Swap in-app, spend directly via your card, or withdraw to any external wallet on-chain.
Move money in, out, and across borders.
Domestic transfers settle same-day at no cost. International transfers use the interbank rate with a transparent, published fee.
Domestic transfer
Send to any local bank account. Free and typically arrives within a few hours during business days.
International wire
Send in 30+ currencies at the interbank rate plus a flat, disclosed fee — no markup buried in the exchange rate.
On-chain withdrawal
Send crypto directly to an external wallet address. Network fees are shown before you confirm, never after.
Recipient details
Borrow against your portfolio, or take a fiat loan outright.
Crypto-backed loans let you access cash without selling your holdings. Standard personal loans are available with same-day decisions.
Crypto-backed loan calculator
No credit check
Crypto-backed loans are approved instantly against your collateral — your credit history isn't a factor.
Top up or repay anytime
Add collateral to lower your loan-to-value ratio, or repay early with no penalty.
Margin call alerts
Get notified well before a liquidation threshold if your collateral value drops.
Layered protection, on every balance and every card swipe.
Fluxbank combines bank-grade fraud monitoring with crypto-native custody safeguards.
EMV 3-D Secure 2.0
Every card-not-present transaction is verified with dynamic authentication, reducing fraud without adding friction to legitimate purchases.
Biometric approval
Face or fingerprint confirmation is required for logins, new payees, and any withdrawal above your set threshold.
Withdrawal allow-lists
Restrict on-chain withdrawals to pre-approved addresses, with a 24-hour delay before any new address becomes active.
Cold storage custody
The majority of wallet assets are held in offline, multi-signature cold storage, insured against theft and operational loss.
Real-time fraud monitoring
Every transaction is scored against behavioral patterns; anomalies trigger an instant hold and customer verification.
Deposit protection
Fiat balances are covered up to the local statutory deposit insurance limit through our partner bank.
Live rates across every asset Fluxbank supports.
Rates refresh continuously and are the same rates used for in-app swaps — no separate "exchange" markup.
| Asset | Price | 24h | 7d | Market |
|---|
Built by people who were tired of choosing between "bank" and "wallet."
Fluxbank launched with a simple premise: a modern current account and a crypto wallet shouldn't be two different apps, two different support lines, and two different mental models of your own money.
Our approach
We build the boring parts — compliance, custody, fraud monitoring — to bank-grade standards, so the fast parts feel effortless.
Regulatory footing
Fiat accounts are issued through a licensed partner bank; the crypto wallet operates under a registered digital asset framework.
Where we operate
Fluxbank currently serves customers across 24 markets, with local currency accounts and local support hours.
Timeline
Founded with a small team focused on custody infrastructure for digital assets.
Launched the fiat current account and card in partnership with a licensed banking provider.
Introduced in-app swaps and crypto-backed lending.
Crossed 2.4 million accounts across 24 markets.
What we value
Common questions
Open an account, or just ask a question.
support@fluxbank.example
Phone
Available 24/7 for account holders
In-app chat
Fastest response time, average under two minutes
Registered office
Fluxbank Financial Ltd. · Demo address for presentation purposes