What you get
A BOF Pay global account gives you local account details in the major currencies your business actually uses. Suppliers, clients, and payroll providers send money to you the way they would to a domestic bank, without expensive international wire fees or routing delays. Funds arrive in the local currency, you choose when to convert.
Local details in major currencies
Open accounts with native banking details in the currencies that matter for cross-border commerce:
- USD with US account and ACH routing numbers
- EUR with IBAN and BIC for SEPA payments across the eurozone
- GBP with UK account number and sort code for Faster Payments
- CAD with Canadian institution and transit numbers
- AUD with BSB and account number for local Australian payments
- Plus EUR, JPY, SGD, HKD, CHF, NZD, and additional currencies on request
Beyond accounts with local rails, BOF Pay supports send and receive operations across 40+ currencies and 120+ countries.
Hold what you earn
Balances stay in the currency they were received in until you decide to convert. No forced conversion on inbound payments, no overnight FX exposure unless you choose to take it. Hold revenue in local currency until quarter-end, until rates improve, or until you need to pay local expenses in the same market.
Safeguarding
Customer funds are held at regulated banking partners in dedicated custodial accounts, segregated from BOF Pay operational funds. In the United States, eligible balances are protected by FDIC pass-through insurance through our partner banks. Equivalent protections apply in other jurisdictions where we operate, including CDIC coverage in Canada and FSCS coverage in the United Kingdom.
Built for international businesses
Receive from clients
Get paid by international clients as if you had a local business in their country, with no incoming wire fees from your end.
Repatriate on your terms
Convert to your home currency when rates favor you, not when a wire transfer happens to arrive.
Pay local expenses
Pay local taxes, contractors, vendors, and office costs from the same currency you earned them in.
Treasury at scale
Build a real multi-currency treasury operation without opening accounts in every country.
Account opening
Personal accounts can typically be opened in minutes after submitting identity verification. Business accounts complete onboarding in 1 to 3 business days for most jurisdictions, longer where additional regulatory checks are required. We will tell you upfront which documents are needed for your specific situation before you start.
Get started
To open a global account, sign up through our app or reach out to info@bofpay.ai for businesses with custom requirements.