Receive and spend money globally

Get paid from anywhere in global currencies and do more with money—spend, earn on savings, and invest.

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Backed and trusted by the best in fintech and venture capital

Over 1,000,000 people love us. You will too.

Hear some of them yourself.

Unimaginably Excellent

I could not imagine how great Raenest works until I signed up with them. Honestly, this is my first time reviewing about any website but I must say that I'm happy to write how excellent they operate.

Kevin

Best in Class Support

Raenest is a great company with one of the best supports I've ever seen.

Theresa

Moyinoluwa

Best exchange rates

The platform is intuitive, seamless and easy to use. It is also the Fintech platform with the best exchange rates for sending money.

Banji

Seamless for Transfers

Raenest has been helping me since last year that I found it, I don't have to stress about transfer anymore as it comes quickly and very fast.

Blessing

4.6 Apple store, Play store

Receive money

The reliable way to get paid

Get paid on time, every time, with accounts in USD, GBP, or EUR, plus easy invoicing and payment links.

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Global accounts

Global Accounts

Get USD, GBP, EUR, USDT and USDC accounts in minutes so you can focus on what matters most—receiving, spending and saving your money.

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Cards

Cards for every occasion

Work, shop, travel – you decide. Our virtual and physical cards give you the power with transparent pricing, accepted wherever Visa is accepted. Whether it’s Google, Canva, Zoom, AWS, Amazon, eBay etc. We’ve got you.

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Send money

Fast money transfers

Sending money is now easier and more affordable with reasonable upfront transaction fees and flexible transfer options. Get started today and send your first transfer in minutes.

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Earn

Exclusive rewards & perks

The more you transact, the more you earn real money — unlock monthly rewards.

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Raenest for everyone

Freelancers & Creators Travelers Online Shoppers Students Social Sellers

Freelancers & Creators

Create global accounts and receive international payments easily from Freelance Marketplaces & Global Clients.

Travelers

Use your card at Visa merchants worldwide while you travel.

Online Shoppers

Use virtual dollar cards for international shopping.

Students

Easily pay for courses, subscriptions, and study materials via our USD card

Social Sellers

Accept payments for customers world wide through payment links

Raenest for business

Join over 11,000 businesses making international payments and receiving money in 13+ countries on Raenest business.

Open a business account

Your Money, Wherever You Need It

Send and withdraw funds to bank accounts and mobile money using your Raenest account, seamlessly connecting with PayPal, Payoneer, Wise, Mastercard, Revolut and many more.

Creators

Freelancers

Designers

Developers

Remote workers

Marketers

Creators

Freelancers

Designers

Developers

Remote workers

Marketers

Creators

use Raenest to receive and manage their money — save, spend, and invest.

At Upwork, Andela, Fiver, Toptal, Contra, YouTube, Freelancer, Peopleperhour, Deel and anywhere you need to get paid.

Get Paid Globally in 3 Easy Steps

Quick Sign up

Create your account in minutes—input legal name, strong password, and confirm verification code.

Verify Your Identity

A quick and secure verification process. This is important to help you keep your account safe.

Get Your Accounts

Start receiving payments, saving in foreign currencies, and spending globally.

The latest from Raenest: Tips, News and Updates

How to Receive Stablecoin Payments From Clients: A Guide to Getting Paid in USDC and USDT

How to Save USD as a Freelancer: A Simple Savings Plan That Works

USD Vault vs Stablecoin Vault: Which Raenest Value Is Right for You

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Frequently asked questions

Is Raenest a bank?

Raenest is a Financial Technology (FinTech) Company, not a Bank. Banking services are provided by banking partners. Card services are provided by Raenest's technology partners, authorized by Visa and Mastercard to issue cards operating over their networks.

How long does it take to get my bank account?

You'll receive instant access to your account once you've submitted all required information and completed verification.

What's the fee for receiving in my bank account?

The fees for incoming transfers are determined on a case-by-case basis. For a detailed breakdown of charges, please consult our full fee schedule here.

What is the Raenest USD Visa Card and how is it related to Raenest?

The Raenest USD Visa Card is a standalone payment card issued by Rain, a Visa Principal Member, and powered by the Visa Inc.. Raenest provides the platform interface through which users can access and manage the card.

The card itself is a separate product from the broader Raenest platform. Services such as global accounts, stablecoins, currency conversion, money transfers, and investments are not features of the Rain-issued card but are independent offerings available within the Raenest platform.

Can I use my USD account on Upwork, Deel, Fiverr, or Payoneer?

Yes, you can use your USD account to receive payments from any platform that supports USD bank deposits.