Everything, calmly explained.

Anyone 18+ with a valid government ID in a country we support. Verification takes about two minutes.

No. We're a fintech wallet, think Apple Pay or Venmo, with a Coconut Card for spending in the real world.

Yes. Each currency you hold lives in its own wallet, and you can swap between them at real interbank rates.

P2P transfers between Coconut friends are instant. Card top-ups land within seconds. Bank transfers follow normal rails.

Everyday accounts can move up to $5,000/day. Premium members move up to $25,000/day. Pro members on Coconut for Business have configurable limits.

Yes, to 30+ currencies, with no markup on FX and no weekend games.

Solid metal. Etched palm, embedded chip, no embossed numbers. Personal finishes for members, a distinct business finish for Coconut for Business.

Everyday members get a free virtual card. Premium members get one metal card included, additional finishes for a one-time fee. Pro members on Coconut for Business receive a distinct business finish.

Freeze it in one tap from the app. Order a replacement the same way. Funds stay safe the entire time.

Bank-grade encryption, biometric unlock, 3-D Secure on every online charge, and real-time fraud monitoring that doesn't text you at 3am.

Never. We make money from interchange and our Premium and Pro memberships. Your data is yours.