Local accounts on day one
Get USD, EUR, GBP and AED account details in your own name so clients can pay you the way they already pay everyone else — no wires, no intermediaries.
Trusted by teams and freelancers in 30+ countriesMove money like
Move money like
borders forgot to exist
Open local accounts in the currencies your clients pay in, hold a balance in USD, EUR, GBP or AED, and cash out to your home bank the same day. Transparent FX, no monthly fees.
- No monthly fees
- Verify in minutes
- Rates shown upfront
Total balance
$97,460.55
🇺🇸USD
48,920.15
🇪🇺EUR
12,430.00
🇦🇪AED
36,110.40
Recent activity
Today- Northwind StudioInvoice VP-1043 paid+ $6,500.00
- Payout to HBL ••4417Settled same day− $2,000.00
- Converted USD → EURRate 0.9182 · fee shown upfront+ €1,836.40
More than 40 currencies supported, including stablecoin settlement
USDUS Dollar
EUREuro
GBPBritish Pound
AEDUAE Dirham
SARSaudi Riyal
PKRPakistani Rupee
INRIndian Rupee
NGNNigerian Naira
KESKenyan Shilling
EGPEgyptian Pound
TRYTurkish Lira
USDCUSD Coin
USDUS Dollar
EUREuro
GBPBritish Pound
AEDUAE Dirham
SARSaudi Riyal
PKRPakistani Rupee
INRIndian Rupee
NGNNigerian Naira
KESKenyan Shilling
EGPEgyptian Pound
TRYTurkish Lira
USDCUSD Coin
Why ValeGlobal banking rails,
Global banking rails,
without the global bank
Your business moves at internet speed. The money behind it should keep up.
FX you can check
The rate and the spread are on screen before you confirm. Nothing is added afterwards.
Same-day settlement
Most payouts to supported corridors land the same business day.
Funds held with regulated partners
Client money sits with licensed institutions in the markets we operate in, kept separate from our own operating accounts.
No monthly fee
Opening and holding an account is free. You only pay when you convert or pay out, and the cost is quoted upfront.
Cross-border, simplified
Built to move money, not paperwork
$0
Monthly account fee
0 hrs
Typical settlement window
0+
Currencies supported
0+
Countries served
What we offer
One account, the whole money stack
Receive, hold, convert, invoice and pay out — without stitching together four different providers.
All your currencies, one account
Hold a balance in USD, EUR, GBP, AED and more. Receive with local account details, convert when the rate suits you.
Payouts in global currencies
Pay contractors, suppliers and staff in the currency they bank in. Schedule a single payment or a batch from one screen.
Create and share invoices
Build a branded invoice, send it as a link, and let your client pay by bank transfer or stablecoin. Status updates as it moves.
Coming soon
Vale card
Spend your balance directly — online, in store, and in the currency you already hold. Every transaction lands in your ledger instantly.
How it works
Get paid on your terms, from day one
Three steps between signing up and collecting your first international payment.
01Verification in minutes
Create your Vale account
Sign up with your email, tell us about your business, and complete identity verification. Most people finish in under ten minutes.
02USD · EUR · GBP · AED
Open your global accounts
Activate local account details in the currencies you invoice in. Share them with clients exactly like a domestic bank account.
03Same-day settlement
Collect, convert, pay out
Money arrives into your balance. Convert at a rate you can see, then send to your local bank or pay someone else in their currency.
Whatever your size
Made for the way you actually work
Whether you invoice three clients or three hundred, the account works the same way.
Invoice anywhere, withdraw at home
Send a professional invoice to a client in New York or Dubai, get paid into local account details, and move the money to your own bank without losing a chunk to intermediary fees.
- Branded invoices with a shareable payment link
- Local USD, EUR and GBP details in your name
- Withdraw to your home bank the same business day
PaidVP-1043
Amount due
$6,500.00
Design retainer$4,000.00
Motion add-on$2,500.00
Settled to your bank in 4 hours
Secure by design
Serious about the boring parts
Moving money across borders only works if the controls behind it are dull, documented and predictable.
Your balance stays yours
Customer funds are safeguarded in segregated accounts at our partner institutions. They are never mixed with Vale's own operating money and are not used to fund our business.
Regulated where you operate
We work only with payment and banking partners that hold the relevant licences in each market, so every corridor you use is covered by a supervised institution.
Compliance built in
Every account goes through identity verification before it opens, and every transaction is screened against international sanctions and anti-money-laundering standards.
Local payments, global reach
What our customers say
Real stories from businesses and independent professionals using Vale every week.
Placeholder quote — swap in a real customer story about how much faster their international payments settle.
Customer name
Role, Country
Placeholder quote — swap in a real customer story about transparent FX and no surprise deductions.
Customer name
Role, Country
Placeholder quote — swap in a real customer story about invoicing clients abroad and withdrawing locally.
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Role, Country
FAQ
Frequently asked questions
The things people ask us most before opening an account.
Vale Payments is a financial technology company that gives businesses and independent professionals multi-currency accounts for cross-border work. We are not a bank — accounts and payments are provided through regulated partner institutions, while Vale builds the software you use to hold balances, convert currency, invoice clients and pay people locally.
You open an account and complete identity verification, then activate local account details in the currencies you deal in. Clients pay those details as they would any domestic account. The money lands in your Vale balance, where you can hold it, convert it at a rate shown before you confirm, or send it out to a local bank account.
Registered companies and self-employed individuals in the countries we support. You will need a government-issued ID, and companies also need basic incorporation documents. Availability of specific currencies and payout corridors depends on the country you are based in.
Opening and holding an account has no monthly fee. You pay a clearly quoted fee when you convert between currencies or send a payout, and that quote is shown on screen before you confirm the transaction. There are no hidden deductions applied afterwards.
Signing up takes a few minutes. Verification is usually completed the same day, and often within minutes if your documents are clear and legible. More complex company structures can take longer if we need additional paperwork.
Most payouts to supported corridors settle the same business day, and many complete within a few hours. Timing depends on the destination country's banking hours, the currency involved, and whether the receiving bank applies its own processing delay.
You can hold and convert major currencies including USD, EUR, GBP and AED, and pay out in over forty currencies across the Middle East, South Asia, Africa and Europe. USDC is also supported for clients who prefer stablecoin settlement.
Customer funds are held in segregated accounts at licensed partner institutions and are kept separate from Vale's own operating funds. Every account is verified before opening and all transactions are screened against sanctions and anti-money-laundering rules.
Open your account and start collecting
Sign up, verify in minutes, and get local account details in the currencies your clients already use.