How to start a money app for expats: multi-currency accounts, cards and transfers home
By SendPay Business · · 2 min read
People who move abroad often end up juggling money in two or more currencies: a salary in one, bills or family back home in another. Opening a local account can be slow when they have no local address or credit history yet. A money app built for a particular expat community can solve that and earn their trust early.
What expats want
- An account they can open before or soon after they arrive.
- Balances in more than one currency.
- Cheap, clear transfers back home.
- A card they can use in their new country and when travelling.
Reaching them
Expats gather in Facebook groups, community forums, language schools, relocation firms and employers who hire from abroad. Pick one community, such as one nationality in one country, and partner with the groups and businesses they already trust.
Things to watch
Be upfront about exchange fees and transfer times. Explain what ID and proof of address customers will need, because that is where many expats get stuck when opening accounts.
Where SendPay fits
SendPay lets you launch your own money app under your brand, with GBP, EUR and USD accounts, transfers, branded Visa cards, payment links, invoices and subscriptions, powered by licensed partners. SendPay isn't a bank and doesn't offer lending.
Build it
Create your own financial platform.
Pick a template, name it, brand it, preview every page before you pay. Your brand, your users, your fees.
Build my platform →Questions people ask
What is a multi-currency account?
One account that holds balances in several currencies.
Multi-currency accounts →How do international transfers work?
Money moves through payment networks and partner banks.
International transfers →How do I start a money app for my diaspora community?
Build around transfers home and trusted community groups.
Diaspora money app →Read next
This guide is general information, not legal or financial advice. SendPay Business is a technology company, not a bank, and does not take deposits; regulated services on the platforms are provided by licensed partners. PayPal, Patreon and Substack are named as reference points only and are not affiliated with SendPay Business.