One balance, many currencies
Move money between your EUR, AED, XOF, and other wallets at the real rate. The same account that pays your rent in Paris can fund Mobile Money in Dakar.
our services.
Every service you need to move, hold, and grow money across borders.
Wallets, transfers, cards, gold, crypto, and a few things only BLUE FINANCIAL SERVICES offers — each one useful on its own, and even better together.
what we do.
Nine services. One account.
Built for people who live, work, and send money across borders. Each service solves a real problem — and they all share the same balance, the same login, the same security.
wallets.
Multi-currency wallets
Hold euros, dirhams, CFA francs, and more in one place. Each wallet has its own account number, issued by a licensed bank.
- Free SEPA receiving — Anyone in the SEPA zone can send you euros for free, with your own IBAN.
- Local account numbers — Receive salaries and invoices with local details in the UAE and West Africa.
- Real-time balances — No hidden holds. What you see is what you can spend, send, or convert.
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transfers.
International transfers
Send euros to Mobile Money in West Africa, to bank accounts in the UAE, and across Europe — with the final amount shown before you confirm.
- Recipient amount up front — We show the exact amount the recipient will receive, in their currency, before you confirm.
- Same-day Mobile Money — Transfers to Orange Money, MTN MoMo, and Wave wallets usually arrive in minutes.
- Real exchange rate — Mid-market rate plus a small, transparent margin. The full breakdown is visible before you tap.
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cards.
Virtual and physical cards
Get a virtual Visa card the moment you sign up, and a physical card at your door in 7-10 business days. Freeze it any time.
- Virtual card, issued instantly — Add to Apple Pay or Google Pay the moment you sign up. Free, no paperwork.
- Freeze and unfreeze — Lost your card? Freeze it from any device, and we block new charges in seconds.
- Spending controls — Set daily, monthly, or per-transaction limits. Restrict by country or merchant.
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gold.
Gold and silver
Buy and sell real, fully-backed physical gold and silver stored in vaults in Geneva and Dubai. Start from €1.
- Real metal, real vaults — Allocated physical gold and silver in Geneva and Dubai. Every gram is yours.
- Buy and sell in seconds — Live spot pricing with a transparent margin. Convert back to wallet any time.
- Insured custody included — Vault insurance covers the full value of your holdings, with no extra fee for the first year.
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crypto.
Cryptocurrency trading
Buy and sell Bitcoin, Ethereum, and other major coins through a regulated partner. Held in segregated custody, sold back to your wallet any time.
- Regulated custody — Held by a licensed digital-asset partner in segregated wallets. Insured and auditable.
- Sell back to your wallet — Convert any holding to euro, dirham, or any other wallet currency in seconds.
- Transparent fees — A flat 0.75% per trade, with no spread and no hidden withdrawal fees.
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exchange.
Currency exchange
Convert between any two of your wallets at the real rate, with the margin shown before you confirm. Conversions happen in seconds.
- Real mid-market rates — We pull live rates from regulated data providers. The price you see is the price the market is quoting.
- Margin shown up front — We display our margin before you confirm. No spread, no hidden fees, no last-minute surprises.
- All wallet pairs — Convert between any two wallets you hold. EUR to AED, XOF to USD, anything in between.
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security.
Security and protection
Your money sits in segregated accounts at licensed banks. Every transfer is verified by you. Every connection is encrypted.
- Segregated funds — Your balance sits in segregated accounts at licensed banks — never mixed with our operating funds.
- Two-factor authentication — Every transfer needs a code from your phone. On mobile, use your fingerprint or face.
- Audited yearly — Our systems and processes are reviewed by an external security firm every year.
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placement financier.
Financial placement
Build a long-term investment portfolio across multiple asset classes, with the diversification and reporting you need.
- Multi-asset strategies — Diversified portfolios across asset classes and geographies, built around your risk profile.
- Institutional reporting — Quarterly statements, performance attribution, and a clear fee breakdown, available from your dashboard.
- Regulated partners — Licensed asset managers and custodians. Your portfolio is held in segregated accounts.
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storage.
Multi-currency storage
Hold balances in multiple currencies for the long term, with the segregation and reporting of an institutional vault.
- Segregated accounts — Your balance sits in segregated accounts at licensed banks, separately from our operating funds.
- Multi-currency — Hold EUR, AED, XOF, and other currencies at the same time, and move between them at the real rate.
- Institutional reporting — Monthly statements, audit trails, and downloadable records for your accountant.
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why combine them.
Each service is strong. Together, they replace a stack of apps.
You don't have to pick a side. Hold euros, send to West Africa, pay in dirhams, save in gold — all in one account, with one statement and one support team.
Send, hold, and spend
Send to Mobile Money, hold in a euro account, spend on a Visa card. No more juggling three apps and three passwords.
Real assets, regulated custody
Buy gold and trade major cryptocurrencies with regulated partners. Held in segregated custody, with insurance included.
Backed by licensed infrastructure
Every transfer, card, and asset sits on top of licensed European, UAE, and West African partners. You're not betting on a startup — you're using a regulated stack.
build your stack.
Ready to get started?
Open an account in about five minutes — no paperwork, no waiting.