Obvious USD bank account for 150+ countriesObvious USD bank account for 150+ countries

US dollar account for solopreneurs outside the US

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USD bank account in 3 minutes
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Earn up to 5.5% interest per year, no lock-in
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Remit USD at lowest cost
Apply now
It’s free and always will be!
Obvious Money is a financial technology company, not a bank. Banking services are provided by Layer2 financial services Inc.

Built on Digital Dollars

Digital dollars are dollars native to the internet

Digital dollars are stable and reserves are held by regulated institutions
Digital dollars are stable and reserves are held by regulated institutions
Digital dollars are accessible anytime, anywhere
Digital dollars are accessible anytime, anywhere, unrestricted by banking borders or operating hours.
negligible cost
The cost of sending digital dollars globally is nearly negligible compared to traditional services.
Digital dollars can be sent in seconds to anyone across the globe
Digital dollars can be sent in seconds to anyone across the globe

Why use Obvious Money?

Your current USD bank account

Minimum balance requirement
0% interest on your funds
Upto 5% fees for remitting USD to your local currency account
P2P transfers take 1-4 days
P2P transfers are chargeable
A digital version of legacy banking

Your Obvious Money account

No minimum balance requirement
Up to 5.5% interest on your funds
Flat 1.5% fees for remitting USD to your local currency account
Instant P2P transfers
P2P transfers are free
New age banking built on blockchain rails
Earn interest on your fundsEarn interest on your funds
P2P transfers to any phone numberP2P transfers to any phone number
safety and custodysafety and custody
receive and send payments
Receive & Send payments through ACH, Wire, SWIFT
remit USD to your local bank account
Remit USD to your local bank account at the lowest cost
instant notification
PING! Get instant notification for every activity in your account
seamless bridge between assets
Seamlessly bridge between digital assets and fiat

Get an account that works for you

Basic

For people with intermittent needs
Free
Forever
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Transaction processing fees: 0.5%
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ACH transfers: $1
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Fedwire In: $10
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Fedwire Out: $30
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SEPA transfers: $10
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SWIFT transfers: $50
Apply Now

Premium

For people with regular needs
$15 $0
Per month  First 3 months free
*subject to change
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Transaction processing fees: 0.25%
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ACH transfers: $0.5
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Fedwire In: $5
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Fedwire Out: $20
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SEPA transfers: $5
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SWIFT transfers: $35
Claim Now

Check if your country is eligible for Obvious Money account

Your eligibility for Obvious Money account depends on your country of residence and not your nationality.

Oops. We are currently unavailable in your country. While we strive hard to provide services in all countries we are limited by the  geographical coverage provided by our partners.
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Oops. We are currently unavailable in your country. While we strive hard to provide services in all countries we are limited by the  geographical coverage provided by our partners.
Obvious money app screenObvious money app screen

Frequently asked questions

Is Obvious Money a bank?

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No, Obvious Money is not a bank nor a licensed financial institution. Obvious is a software company, that provides financial services in partnership with Layer2 Financial Inc, which is a licensed BAAS provider.

How does Obvious Money work?

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Obvious Money provides a banking account on top of blockchain rails. When you receive USD in your account, it gets automatically converted to USDC(digital dollars provided by Circle) and stored in your account. When you send funds over ACH or International Wire, USDC gets converted to USD instantly and is sent over traditional banking rails.

Who can open a USD bank account?

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USD bank account via Obvious Money is available in 150+ countries. You can check the eligibility for your country by checking on the website. After your KYC gets approved, you can start using your account.

What documents do I need to open a bank account on Obvious Money?

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You need a passport or local national identity proof to complete KYC and open a bank account.

Who holds my funds?

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You. Only you have access to your funds. Obvious Money is a self-custody app that does not and cannot take control of your funds. You can choose to invest your funds, transfer them internationally, remit them in your local currency, or transfer them to another wallet address.

How safe are my funds?

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Obvious money follows the highest standards of safety and security when it comes to your funds. Your funds are secured by Passkey and 2FA authentication. No one else will get access to the app unless you provide biometric authentication.