Everything your wallet should do, and nothing it shouldn't.
Coconut Pay is a peer-to-peer wallet for everyday life. Tap, send, split, save. No overdraft games, no surprise fees.
Send & request
Pay friends, split a tab and chase down what you're owed, two taps, no IBANs.
Tap to pay
Apple Pay, Google Pay and the metal Coconut Card. One balance, anywhere contactless works.
Multi-currency wallet
Hold and spend USD, EUR, GBP and more. No hidden FX games on weekends.
Smart insights
See where money actually goes. Weekly recaps, gentle nudges, never sponsored.
Freeze in a tap
Lock your card from the app the moment it's out of sight. Unlock just as fast.
Travel-ready
Real exchange rates, fee-free withdrawals abroad up to your monthly limit.
Instant top-ups
Fund your wallet from any debit card. Funds land before the kettle boils.
Built-in safety
Biometric unlock, 3-D Secure, and fraud monitoring that doesn't text you at 3am.
All metal. Real rewards.
One card, finished to suit the way you move. 3% back on everyday categories, no annual fee, and an etched palm that catches the light just right. A quiet business finish is reserved for Coconut for Business.
See pricing
Coconut Pay is not a bank. Wallet balances are not FDIC-insured. The Coconut Card is issued by Stripe Issuing, Inc. See Terms and Privacy.
Having trouble with Coconut Pay? . You can also email back-office@coc0nut.com.