"I bill clients in USD and spend much of my life in Lagos. Every other product I tried took two to four percent from each conversion. MoneyPigeon was the first to give me the mid-market rate shown on the board."
Global earners' multi-currency card
One card for each currency you earn in
Mid-market rates, instant settlement, and zero FX markup when you spend. Made for people earning and spending across borders.
20+
Corridors across Africa, Asia, Americas, and Europe
<10 min
Settlement lands faster than days or business hours
$0
Zero FX markup on card spending. You get the mid-market rate.
How It Works
Invoice to card in minutes
Three steps to spending at the real rate, wherever you are.
Open your account
Sign up in minutes. Verify your identity, then add your local receiving account to start accepting payments right away.
Get paid
Give clients, platforms, or employers your MoneyPigeon account details. Funds arrive in your account and convert at the mid-market rate.
Spend or send anywhere
Use your MoneyPigeon card in 30+ currencies or send money home. The rate shown is the rate you get.
Features
Made for how you earn
MoneyPigeon focuses each feature on a problem cross-border earners face every month.
Mid-market rates, no markup
Most financial services build a 2 to 5 percent margin into the rate. MoneyPigeon uses the published interbank rate, then charges a transparent flat fee. What you see is what reaches the account.
See pricingControl your card instantly
Freeze or unfreeze your card, set limits, and receive real-time transaction alerts in the app.
20+ global corridors
Send to Nigeria, India, Mexico, Ghana, Philippines, Kenya, and more. We add new corridors regularly.
View corridorsZero FX markup on card spending
Spend in 30+ currencies at the mid-market rate. Coffee in Lagos or London costs what it costs.
About the card
Early access feedback
Beta users, in their words
"I send money home to my family in Manila every month. The difference in speed is real. What once took two or three business days now typically arrives in under an hour."
"I travel and work across Southeast Asia and West Africa. One card handling five currencies, without the per-conversion hit, has simplified my finances more than anything else I have tried."
Pricing
Clear pricing, no surprises
Choose the plan that fits how you earn. Start free, then upgrade when your volume grows.
Free Card
Free
Earn smarter
- MoneyPigeon card (virtual + physical)
- 2 cross-border transfers per month
- Card spending in 10+ currencies
- 0.8% FX margin above mid-market
- Email support
Most popular
Nomad
$9/mo
Active cross-border earners
- Everything in Free Card
- Unlimited cross-border transfers
- Mid-market rate (no FX markup on transfers)
- Instant settlement in 20+ corridors
- Card spending in 30+ currencies
- Priority support
Global
$19/mo
For high-volume earners and teams
- Everything in Nomad
- Bulk payment scheduling
- API access for integrations
- Dedicated account manager
- All corridors including priority lanes
- Business account option
The Dispatch
All articles
Cross-border earning resources
Keep More of Your International Payments
Wire fees, intermediary charges, unfavorable exchange rates. Every international payment takes a cut before it reaches you.
Read article
Why Remote Workers Need a Multi Currency Wallet
Traditional bank accounts were designed for people who earn and spend in one place.
Read article
Mid Market Rates and Bank Markups: What the Spread Costs
Banks quote you a rate that looks close to mid-market but bakes in a markup between 2 and 5 percent.
Read articleEarn in any currency. Spend everywhere.
Join cross-border earners moving money at the real rate. Get your free card today.