USD account · your funds stay yours · FinCEN MSB
Dollars that land in seconds and answer to you.
Open an account from 230 countries — no US company needed. Receive in USD, EUR, GBP, AED, hold a balance, and send to 191 countries, from an account in your own name that only you control. No monthly fees.
Updated · Reviewed by Leeroy Hendriks, Chief Executive Officer
Estimate a payout
estimate
They receive
≈ ₦1,334,961.56
- AED — UAE dirham
- ARS — Argentine peso
- AUD — Australian dollar
- BDT — Bangladeshi taka
- BOB — Bolivian boliviano
- BRL — Brazilian real
- CAD — Canadian dollar
- CHF — Swiss franc
- CLP — Chilean peso
- CNY — Chinese yuan
- COP — Colombian peso
- CRC — Costa Rican colón
- CZK — Czech koruna
- DKK — Danish krone
- DOP — Dominican peso
- EGP — Egyptian pound
- EUR — euro
- GBP — British pound
- GHS — Ghanaian cedi
- GTQ — Guatemalan quetzal
- HKD — Hong Kong dollar
- HNL — Honduran lempira
- IDR — Indonesian rupiah
- ILS — Israeli new shekel
- INR — Indian rupee
- JMD — Jamaican dollar
- JOD — Jordanian dinar
- JPY — Japanese yen
- KES — Kenyan shilling
- KRW — South Korean won
- LKR — Sri Lankan rupee
- MXN — Mexican peso
- MYR — Malaysian ringgit
- NGN — Nigerian naira
- NOK — Norwegian krone
- PEN — Peruvian sol
- PHP — Philippine peso
- PKR — Pakistani rupee
- PLN — Polish zloty
- QAR — Qatari riyal
- RON — Romanian leu
- SAR — Saudi riyal
- SEK — Swedish krona
- SGD — Singapore dollar
- THB — Thai baht
- TRY — Turkish lira
- TZS — Tanzanian shilling
- VND — Vietnamese dong
- ZAR — South African rand
No matches
1 USD = 1347.7653 NGN
Estimated mid-market rate, as of Aug 20, 2026, 11:27 AM UTC. The fee comes out of the amount you send, so the recipient gets the rest. The exact amount is shown before you confirm.
Global reach
191
countries you can pay out to — payouts over a country’s own bank network often arrive in minutes, any day of the week.
Seconds
between Maash accounts
$0/mo
monthly fee
4
receive currencies
from 0.5%
business payout + fixed fee
// which account is yours
Get paid, hold, and send.
Hold your balance in USD and convert to another currency only when you pay out, at the mid-market rate, with no monthly fee and no minimum. Between a personal and a business account, what changes is what it costs to receive, who can pay in, and how much one payment can carry.
Personal
A client, a platform, or an employer can pay into your USD and AED accounts. Your EUR and GBP accounts take only your own transfers. Receiving costs 1%, plus a $5.00 fixed fee on AED.
Your balance
$12,840.00
Business
A client, a platform, or an employer can pay into your USD, EUR, and AED accounts. Your GBP account takes only your own transfers. Receiving costs 0.5%, plus a $5.00 fixed fee on AED.
Your USD account also receives international transfers. Your EUR, GBP, and AED accounts receive transfers from within their own regions.
// where maash sends
Every destination, on its own page.
68 countries are paid out in their own currency and 123 in US dollars. The 49 pages below carry the live rate, fees, delivery speed, and the banks we pay out to.
All 191 payout countries, and where you can open an account →
- ARS Argentina
- AUD Australia1% + $1.00 · same or next day
- BDT Bangladesh1% + $1.00 · next day
- BOB Bolivia1% + $1.00 · same day
- BRL Brazil1% + $1.00 · real time
- CAD Canada1% + $1.00 · next day
- CLP Chile1% + $1.00 · next day
- CNY China
- COP Colombia1.4% + $1.00 · next day
- CRC Costa Rica1% + $1.00 · real time
- CZK Czechia1% + $1.00 · same day
- DKK Denmark1% + $1.00 · same day
- DOP Dominican Republic1% + $1.00 · same day
- EGP Egypt1% + $1.00 · same day
- EUR Eurozone1% + $1.00 · real time to next day
- GHS Ghana1% + $1.00 · real time
- GTQ Guatemala1% + $1.00 · same day
- HNL Honduras1% + $1.00 · same day
- HKD Hong Kong SAR China1% + $10.00 · real time
- INR India1% + $1.00 · real time
- IDR Indonesia1% + $1.00 · real time
- ILS Israel1% + $1.00 · next day
- JMD Jamaica1% + $1.00 · next day
- JPY Japan1% + $1.00 · same day
- JOD Jordan1% + $1.00 · next day
- KES Kenya1% + $1.00 · real time to 3 days
- MYR Malaysia1% + $1.00 · real time to next day
- MXN Mexico1% + $1.00 · real time
- NGN Nigeria1% + $1.00 · real time
- NOK Norway1% + $1.00 · same day
- PKR Pakistan1% + $1.00 · real time
- PEN Peru1% + $1.00 · next day
- PHP Philippines1% + $1.00 · real time
- PLN Poland1% + $1.00 · same day
- QAR Qatar1% + $1.00 · next day
- RON Romania1% + $1.00 · same day
- SAR Saudi Arabia1% + $1.00 · same day
- SGD Singapore1% + $1.00 · real time
- ZAR South Africa1% + $1.00 · next day
- KRW South Korea1% + $1.00 · real time
- LKR Sri Lanka1% + $1.00 · same day
- SEK Sweden1% + $1.00 · next day
- CHF Switzerland1% + $1.00 · next day
- TZS Tanzania1% + $1.00 · 2 days
- THB Thailand1% + $1.00 · real time to next day
- TRY Türkiye1% + $1.00 · real time
- AED United Arab Emirates1% + $5.00 · real time
- GBP United Kingdom1% + $1.00 · real time
- VND Vietnam1% + $1.00 · real time
Personal-account fee and the fastest delivery time — each page lists the networks that country is reached over, the personal and business fee, and, where we list them, the banks we pay out to. Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.
Whose money is it, really?
| A bank | A money-transfer app | maash. | |
|---|---|---|---|
| Who holds your money | The bank | The provider | You |
| Can they freeze your balance | Yes | Yes | No |
| Account in your own name | Yes | Often pooled | Named |
| Sign-in | Password + OTP | Password | Passkey + biometric |
Occasionally a banking partner pauses a transfer for a short compliance check. A review delays a transfer — it never takes your money.
General comparison of common account types. Your experience varies by provider.
Maash — FAQ
Safety
Does Maash hold my money?
No. Your funds sit in your own account — not pooled with other customers, and never in Maash’s hands. Maash can’t spend, move, or freeze your balance. You authorize every payment yourself.
Cost
What does Maash cost?
There are no account or monthly fees — you pay only when you move money. Receiving is 1% on a personal account and 0.5% on a business account, plus a $5.00 fixed fee on AED; payouts are priced per destination, starting from those rates, each with a fixed fee of up to $35.00 depending on where the money goes, shown before you send. Sending to another Maash account is free.
Speed
How fast are transfers?
Payments between Maash accounts land in seconds. Bank payouts depend on the destination: payouts over a country’s own bank network often arrive in minutes, any day of the week, while international wires take one to a few business days — that is a ceiling, not the typical case, and each country page states its own time.
Regulation
Is Maash regulated?
Maash Inc. is registered with the U.S. FinCEN as a Money Services Business, number 31000316638898. Maash is a financial technology company, not an FDIC-insured bank, and balances are not bank deposits — FDIC deposit insurance covers only the failure of an insured bank. Full detail is on the Security & Compliance page.
Crypto
Do I need to know anything about crypto to use Maash?
No. Maash works like a normal US-dollar account: you get paid, hold a balance, and send money in dollars. There is nothing technical to learn and nothing to manage beyond your account and a passkey.
Is Maash safe?
Your money sits in your own account, and only you can move it — Maash can’t spend, move, or freeze your balance, by design rather than by policy. The dollars behind it are fully reserved — held one-for-one, redeemable for dollars, with reserves independently attested each month. Maash Inc. is registered with the U.S. FinCEN as a Money Services Business (31000316638898). Money moves in and out through licensed banking partners.
How your money stays safe →Open your USD account.
Receive in USD, EUR, GBP, AED, send to 191 countries. No monthly fees.