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GBP/EUR
1.1842
GBP/USD
1.2716
BTC
£51,204
ETH
£2,416
Gold
£1,912
Real exchange rate, every time

One account for every currency you spend.

Hold 40 currencies, send money abroad at the real rate and see every fee before you pay it.

4.8 from 22,000 app reviews
Ledgerline
Total balance
£12,480.32
+£214.10 this month
GBP
British pound
£8,204.11
EUR
Euro
€3,120.40
USD
US dollar
$1,640.00
Everything in one app

Spend, send and save in 40 currencies.

The real exchange rate every time, with the fee shown before you confirm.

Open an account

Multi-currency

Hold and convert 40 currencies in seconds.

Send abroad

Money arrives in minutes to 70 countries.

Savings pots

Interest paid daily, withdraw any time.

Spending insights

See where every pound went this month.

Ledgerline in numbers

Trusted with billions, every month.

Figures as of October 2026.

Customers
0.2m
Currencies
0
Sent abroad
£0.4bn
Average fee
0.4%
Leadership

Built by people who hated bank fees.

A team of 240 in London, Lisbon and Singapore.

AK

Amara Khan

Co-founder & CEO
Previously payments lead at a European bank
LV

Luca Varga

Co-founder & CTO
Previously built card systems for 9 years
SN

Sofia Nunes

Chief Risk Officer
Previously at a national regulator
EB

Ed Brennan

Chief Product Officer
Previously ran a travel app used by 4m people
Reviews

Rated by 3 million people who send money abroad.

App Store
4.8
210k ratings
Google Play
4.7
180k ratings

“Paid my rent in euros at the real rate. The fee was shown before I tapped send.”

LF
Lucía Ferrer
Customer in Madrid

“I keep pounds, dollars and yen in one app and the card just works abroad.”

KW
Kenji Watanabe
Customer in Leeds

“Opened a business account in ten minutes. Payroll in three currencies is now boring, in a good way.”

DO
Daniel Osei
Founder, Harbour Bank Studio
Plans

Pick a plan. Change it whenever you like.

Every plan sends money at the real exchange rate, with the fee shown before you pay.

Standard
Plus
Premium
Monthly fee
£0
£4
£12
Currency exchange fee
0.5%
0.3%
0%
Currencies you can hold
10
40
40
ATM withdrawals abroad
£200 a month
£600 a month
Unlimited
Card
Virtual
Physical
Metal
Support
In-app
Priority
24/7 phone
Sample fees for illustration · Capital at risk when investing
Help

Your money questions, answered.

Short answers here. Longer ones in the help centre.

Your money is kept in separate accounts at regulated banks, apart from our own funds. Sample text: replace with your own protection details.

We use the real mid-market rate and show our fee before you confirm. No hidden mark-up.

Most transfers arrive within minutes. Some currencies take up to one working day.

Freeze it in the app in one tap, then order a new one. Your money stays safe.

Yes. Business accounts open in about ten minutes and support payroll in 40 currencies.

Two-step sign-in
Card freeze in one tap
Fraud team 24/7
Separate client accounts

Get the app. Open an account in minutes.

4.8 from 22,000 app reviews
Sent abroad this year
£2.4bn
at the real exchange rate
Support

Help, whenever you need it.

Most questions are answered fastest in the app. For anything else, write to us below.

Chat in the app

Real people, 24 hours a day, in under two minutes.

Open the app

Call us

+44 20 0000 0000, every day 8am to 10pm.

Call now

Lost or stolen card

Freeze it in one tap, then order a new one.

Freeze my card