Now inviting early members
Money without borders, and money you truly own
Cash, cashback, AI growth vaults, index funds and a full trading terminal in one account. Swipe through what Besa does, then join the waitlist.
Cash
One balance for everyday money
Hold and spend in pounds, euros or dollars from a single account, with instant transfers and no hidden spread.
- GBP, EUR and USD
- Instant transfers
- Real market rates
£€$
Travel
Money without borders
Spend in over 150 countries from the same balance. Besa settles at the real market rate with no foreign exchange markup.
- 150+ countries
- 0% FX markup
- 2% back abroad
150+
Rewards
Cashback on everything
Earn on every purchase, then choose whether it lands as cash or sweeps straight into growth so your rewards compound.
- Up to 3% back
- Auto sweep to growth
- No reward caps
3%
Grow
Growth vaults powered by AI
Flexible and fixed vaults rebalanced by the Besa engine, with clear yield, redeem windows and no lock in on flexible.
- Flexible and fixed
- Daily accrual
- Redeem any time
AI
Index funds
S&P 500 and thematic baskets
Own broad market exposure alongside your cash, with holdings, weights, volatility, fees and net asset value explained in plain English.
- S&P 500 tracker
- Balanced, AI and Layer 1
- Transparent NAV
S&P
Recurring
Invest on autopilot
Set a monthly amount into any index fund or the flexible growth vault and let it run, pause or change it whenever you like.
- Monthly buys
- Pause any time
- Fee free scheduling
↻
Pro
A full trading terminal when you want it
Switch from standard to Pro for live candles, depth, order books and market lists across crypto, metals, foreign exchange and stocks.
- Live charts
- Order book depth
- Metals, FX and stocks
◧
Besa AI
Signals and news in context
Every asset comes with latest headlines and a plain reading of momentum. Stablecoins get peg health instead of trade calls, because cash is cash.
- Latest news
- Momentum reads
- Peg health monitoring
✳
Ownership
Balances you truly own
Unlike a bank or an exchange, Besa runs on decentralised rails. Your balance is yours, it is not lent out behind the scenes.
- Self custodial keys
- Verifiable reserves
- No rehypothecation
⚿
Global
Built for wherever you are
English, Albanian, Mandarin and Korean in app, so Besa works the same in Tirana, London, Shanghai or Seoul.
- Four languages
- Works across Asia and Europe
- One account everywhere
中 한
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Join the waitlist
Early members get first access to the card and higher cashback for the first year.
By joining you confirm you have read the Terms and Privacy Policy, and may receive product updates you can opt out of at any time.