Available to everyone

Available to everyone
Anyone can create a Fluid Account, no matter where you live in the world.
You can top-up your Fluid Account from a range of global currencies including dollars. You can hold your money with Fluid or receive naira in your bank account in minutes without visiting your bank — pretty cool huh?
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Free, instant, global transfers

Free, instant, global transfers
Sending money to your family and friends? Get a Fluid Account and transfer funds instantly, with no fees. If they don't have an account then no problem — just message them a link!
Protect your wealth, earn more than competitors

Protect your wealth, earn more than competitors
Protect yourself against currency deflation, by holding your money in leading currencies right on your phone.
Fluid also offers profit-sharing on all deposits in your Fluid Account. Earn a targeted 4% APY with no withdrawal penalties or minimum deposits.
See how it works

See how it works
Receive and send money globally with the best exchange rates to Nigeria.
Get started with the easiest account in the world. For free.
Create an account in less than a minute. No commitment required.