Banking that moves at your speed
Open a multi-currency account in minutes, send money across borders at the real rate, and see every transaction the moment it clears. No branches, no paperwork, no surprises.
Total balance
$24,860.40
↑ $1,240.00 this month
Everything a modern account should do
One account, one app, one ledger. Humbg replaces the pile of tools between you and your money.
Multi-currency accounts
Hold USD, EUR, GBP and NGN side by side. Convert at the real mid-market rate with the fee shown before you confirm.
Instant transfers
Internal transfers settle in seconds. External payments clear on the rails your recipient already uses.
Virtual & physical cards
Issue a card in seconds, freeze it with one tap, and set per-merchant limits that actually hold.
Bank-grade security
Hardware-key support, scoped sessions, and a signed audit trail for every change to your account.
Spending insight
Categories, recurring charges and month-over-month comparisons computed from your own ledger — not a guess.
Savings goals
Ring-fence money toward a target with automatic weekly transfers and a clear completion date.
A transfer that tells you the truth before you send it
Most apps show you a rate. Humbg shows you the amount that actually lands, the fee that comes out of it, and what your balance will be afterwards — all before you tap confirm.
- Fee shown up frontThe exact amount debited, calculated from your limits — not estimated after the fact.
- Real mid-market rateNo hidden spread baked into the conversion. The rate you see is the rate applied.
- Saved recipientsPay the same person again in two taps, with the beneficiary details verified once.
Send money
InstantBuilt for volume, tuned for trust
38s
Median account opening
99.98%
Payment success rate
140+
Countries reachable
0.4%
Average transfer cost
Two-factor by default. Audit trail by design.
Every sensitive action is scoped to a session, checked against a capability, and written to an append-only log. If it happened to your money, there is a record of who did it and when.
- TOTP two-factorPair an authenticator app in under a minute. Recovery codes are issued once, at setup.
- Session controlSessions expire on their own. Revoke any device without changing your password.
- Signed audit logDeposits, transfers, card freezes and profile edits all carry actor, IP and timestamp.
Account security
ProtectedLast sign-in today, 09:12 · San Francisco, US
Open an account in three steps
No branch visit, no printed forms, no waiting for a letter in the post.
Create your login
An email address and a strong password is all it takes to begin. Takes about forty seconds.
Verify your identity
Upload a photo ID and a selfie. Most applications complete the same working day.
Fund and go
Add money by card or bank transfer and your account is live, with a virtual card ready to use.
What it feels like to switch
We moved our whole studio across in an afternoon. The first thing I noticed was how little I had to think about it — invoices land, the ledger reconciles, and nobody has to chase a payment.
The transfer screen is the first one I have used that shows the total debit before you commit. That sounds small. It removed an entire category of anxiety from my month.
I run a two-person company from three countries. Multi-currency accounts without a spread is not a luxury for us, it is the difference between hiring and not hiring.
The things people ask first
Is my money protected?
Customer funds are held in segregated accounts and every movement is written to a double-entry ledger, so balances are always derived from postings rather than stored. Access is protected by two-factor authentication and an audit log records every administrative action.
How long does opening an account take?
Creating a login takes under a minute. Identity verification is the only step with a wait, and most complete the same working day.
What does a transfer cost?
Internal transfers between Humbg accounts are free. Cross-border transfers carry a 0.4% fee with a 0.30 minimum, shown in full before you confirm. Your plan details are on the pricing page.
Can I use Humbg for a business?
Yes. Business accounts add multi-user access, approval limits, and statements formatted for bookkeeping. See business banking for the full list.
Do you have an app?
The banking interface is fully responsive and installs to your home screen from the browser. Native builds for iOS and Android are on the product roadmap.
Your account is about forty seconds away
Open it now, add money when you are ready, and keep your current bank until you are sure. Nothing is locked in.