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One account to send money, receive money, and spend around the world up to 8x cheaper than the banks. Did you know that every time you swipe your card in a foreign country, your bank is charging you exorbitant fees and giving you a terrible exchange rate? Yet, you can save thousands every year by choosing the right bank.  


If you travel abroad for a week or two per year, 3–5% in various fees and bad exchange rates for international card use is not really a big problem. But as a frequent traveler or digital nomad spending most of your time abroad, these fees add up quickly. In fact, you might be donating hundreds or even thousands of dollars yearly to your bank. I’m sure you could think of a better way to spend that money. 

But what if we tell you that Moda Bank charges no monthly fees, 0% foreign transaction fees, 0% currency exchange markup, 0% ATM withdrawal fees and even refund fees imposed by ATM owners worldwide? Sounds like some sort of black magic right? Well, it’s not.

Moda Bank Account Highlights:
No monthly or yearly costs
No set-up cost
No ATM fees worldwide
No foreign transaction fees
No currency exchange markup (you get the official Mastercard rate)
The entire account opening process is online — you never have to show up anywhere physically
Fantastic, user-friendly app
Also a nice web interface for when you don’t have your phone handy
More features than most neo-banks, including free Mastercard, Maestro card, low-cost & straightforward investment options, Apple & Google Pay, Transferwise integration, a business account for freelancers, and much more.
Card usage push notifications from the app, not SMS (great for peace of mind when you travel)
Can be opened remotely from anywhere

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