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DUbank
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Multi-currency account

One account. Many currencies. No borders in the way.

Deposit and withdraw via Pix, TED, boleto, IBAN and SEPA, ACH, invoice and card, and hold reais, dollars, euros and digital dollars side by side. Your total balance is shown in the currency of your choice.

Open account How it works
  • Reais, dollars, euros and digital dollars
  • Pix, TED, boleto, SEPA and ACH
  • Total balance in your currency
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01 — Benefits

Everything your money needs, in a single account

Fewer accounts, fewer apps, fewer conversions made in the dark.

  • Many currencies, one place

    Reais, dollars, euros and digital dollars (USDC and USDT) in the same account, with the total shown in the currency you prefer.

  • Everyday payment methods

    Pix, TED and boleto in reais; IBAN and SEPA in euros; ACH in dollars; and international transfers with ISO 20022 messages.

  • Borderless liquidity

    Digital dollars move across the network at any hour, independent of business hours, and can be sent to any wallet.

  • Your key, your control

    Your wallet key is generated and encrypted on your device, and every transfer requires two-step confirmation.

02 — Deposit and withdraw

The methods you already use, in multiple currencies

Reais, euros and dollars come in and go out through everyday methods, each following the rules of its own system.

  • PixInstant, by key, QR code or copy and paste.
  • TEDTo any institution in Brazil, during the system's operating hours.
  • BoletoPay by barcode or issue boletos to your customers.
  • IBAN and SEPAEuros to and from the entire euro area, including instant transfers.
  • ACHDollars to and from accounts in the United States.
  • SWIFTInternational transfers with ISO 20022 messages, through partner institutions.
  • Invoice and linkSend an invoice with line items and a due date; your customer pays through the link.
  • Card and transferBuy crypto by card, Pix or wire transfer, in multiple currencies, through a specialized partner.
  • Crypto transferSend and receive digital dollars and tokens, with a preview of the destination and fee.

Currencies in the account

  • Brazilian RealBRL
  • US DollarUSD
  • EuroEUR
  • Digital dollarUSDC

03 — How it works

From sign-up to your first deposit

Four steps, on your phone or computer.

  1. Open the account

    Sign up with your email and a strong password. Two-step verification protects your access from day one.

  2. Verify your identity

    ID document and liveness check through a specialized partner. Your limits increase with your verification level.

  3. Deposit your way

    Pix, TED, boleto, SEPA, ACH, invoice or card purchase through a partner, depending on what is available to you.

  4. Move and withdraw

    Send, receive and withdraw through the same methods, seeing amounts and fees before you confirm.

04 — In practice

For those who live between currencies

Common situations, handled in the same account.

  • Getting paid from abroad

    Receive euros via SEPA or dollars via ACH, and decide when and how to convert.

  • Traveling or studying abroad

    Move your digital dollar balance to the card and follow every purchase in the app.

  • Running a business

    Charge customers by link, QR code or invoice, and see your sales on the same account dashboard.

05 — What sets it apart

What makes the account different

Most accounts treat each currency as a separate product. Here, reais, dollars, euros and digital dollars sit under the same access and the same dashboard, built on a multichain architecture.

  • Total holdings in the currency of your choice, using each asset's rate
  • Pix, TED, boleto, SEPA, ACH and SWIFT in the same account, each method following the rules of its own system
  • Every movement recorded in a dedicated ledger, in whole cents, with no floating-point rounding
  • Multichain architecture, built to connect many networks

06 — Security

Protection at every layer

Security is not a separate feature: it comes with every step.

  • Two-step verification and passkeys

    Sign in with a strong password, an authenticator app code or a passkey, and manage open sessions on each device.

  • Key encrypted on your device

    Your wallet key stays encrypted on your device. Exporting it requires two-step verification.

  • New destination alerts

    Before you send to an address you have never used, the account warns you and asks for confirmation.

  • Anti-money laundering

    Sanctions screening of individuals and wallet addresses, with alerts for unusual activity.

07 — Questions

Frequently asked questions

Which currencies does the account hold?

Reais, dollars, euros and digital dollars (USDC and USDT), plus the tokens in your wallet. The total is shown in the currency of your choice.

Which deposit and withdrawal methods can I use?

The methods enabled for your account depend on your country and verification level. Before every transaction, you see the amount, the fee and the destination.

Do I need to verify my identity?

Yes, to move traditional currencies and use the card. Your limits follow your verification level.

How do I know what fees I will pay?

The fee appears on screen before you confirm the transaction, along with the amount being sent and the destination.

Open your multi-currency account

It takes just a few minutes. Deposit and withdrawal methods follow your country and your account's verification level.

Open account Explore the platform

Availability of each deposit and withdrawal method depends on your country, your verification level and partner institutions. Fees and limits are shown before every transaction.

Platform

More from the platform

Each product handles one part of your financial life. Together, they share the same account, the same access and the same protection.