Fully Secured
Your money and data are protected with bank-grade encryption, biometric sign-in and real-time fraud checks.
How We Protect YouMove Money Quickly
And Without Hassle
Spend, save and send money abroad from one clean app. See every payment the moment it happens and stay on budget wherever you are.
Best Money App 2026
Recognized forExcellence in Security
9:41
Add new card
3504 7525 8806 4621
Card number
3504 7525 8806 4621
Cardholder name
Alex Morgan
Expiry date
05 / 29
CVV
•••
Secured with 256-bit encryption
Add and pay $58.95
Trusted by over 2 million people in 40+ countries
4.8on App Store
4.7on Google Play
4.6on Trustpilot
Achieve More with Effortless Money Habits
Everything you need to spend, save and plan, designed to feel calm, fast and clear.
Integrations Hub
Connect Fernly to the tools you already use, from accounting software to online stores, and keep every number in sync.
Try for FreeWorldwide Coverage
Send and spend in 40+ currencies at the real exchange rate, with every fee shown up front.
See Live RatesData Insights
Track spending in real time and see exactly where your money goes every month.
Explore InsightsAutomated Reporting
Clean monthly statements and tax-ready summaries, generated for you on autopilot.
See Premium Plans
Your March report is readyIncome $4,820 · Spent $3,115
Turning Complex Money Into Clear, Simple Decisions
Every tool in Fernly is built around real moments, from splitting rent to paying a supplier abroad, so you always know where your money stands.
Open Your Account1 USD = 0.92140 EUR
20 Feb
A month agoToday
Live Exchange Rates
Watch rates move in real time and convert at the moment that suits you best.
Fernly
Fernly
Cards That Travel With You
Create virtual cards in seconds, freeze them in one tap and pay like a local in 150+ countries.
Jenny Arthur
Pending
64.00 EUR
GBP
Account •• 59459
1,284.50
Jen Wolf
Joint owner
Joint account
Received
+ 200.00 GBP
Shared Accounts, Zero Awkwardness
Split bills, pool savings and see who paid what, all in one joint account.
Chosen by teams at over 2,000 companies
- Northwind
- Lumina
- Keystone
- Bluepeak
- Evergreen
- Orbitly
Make Every Payday Go Further
Fernly quietly handles the busywork, sorting your spending, flagging bills and moving spare change into savings, so your money works as hard as you do.
- Smart budgets that adapt as you spend
- Instant alerts for every payment
- Savings goals that fill themselves
Tuesday, 9 January
9:41
Fernly
now
Nice one! You saved $120 this week. Your holiday fund is now 82% full.
Simplify Your Money with Smart Tools
Manage bills, goals and subscriptions seamlessly, wherever you are, whenever you need.
Bill Reminders
Never miss a due date. Fernly nudges you a few days before every bill leaves your account.
Get RemindersSavings Goals
Round up every purchase and watch your goals fill on their own, week after week.
Start a GoalPopular
Subscription Tracker
Spot forgotten subscriptions and cancel the ones you no longer use in a couple of taps.
Find SubscriptionsNew
Spending Insights
Weekly summaries that surface trends before they turn into problems.
See Your InsightsSuccess Stories from Our Members
Real people, real money wins. Here is what members say after switching to Fernly.
“Finally an app that shows me where my money actually goes. I cut my monthly spending by a fifth in two months.”
“Sending money home used to cost me a fortune in fees. Now it takes seconds and I know the exact rate before I tap send.”
“Fernly has completely changed how our household handles money. The joint account keeps us on the same page, the alerts stop nasty surprises, and the monthly reports make tax season painless. We recommend it to everyone.”
“Absolutely love the savings goals. The round-ups got me to my holiday fund three months early.”
“Support replied in under two minutes at midnight when my card was declined abroad. That alone earned my trust.”
“I run a small online shop and the store sync keeps my books up to date without me touching a spreadsheet.”
“The subscription tracker found three services I had forgotten about. That is over $300 a year back in my pocket.”
“Splitting rent with flatmates used to be awkward. Now everyone sees who owes what and pays in one tap.”
Rated 4.9 of 5 from 12,000+ reviews
Stay in Control with Seamless Access
Start free and upgrade whenever you need more. No surprises, and you can cancel anytime.
- 7-day free trial
- No credit card needed
- Premium support
Standard
Everything you need to spend and save smarter.
$0/ month
Free forever, no card needed
Get Started Now- Free local transfers
- 1 virtual card
- Weekly spending insights
- Bill reminders
Premium
More cards, more currencies and priority help when you need it.
$7.99/ month
Billed yearly at $95.88
Start 7-Day Free Trial- Unlimited virtual cards
- Fee-free exchange in 40+ currencies
- Shared accounts for up to 20 people
- Automated monthly reports
- 24/7 priority support
Secure payment
Payments are processed securely with the methods you already use.
- Visa
- Mastercard
- PayPal
- American Express
- Apple Pay
- Google Pay
Check Frequently Asked Questions
Quick answers to the questions we hear most. Still curious? Our team replies around the clock.
- Step-by-step guides
- 24/7 support
Spend with virtual and physical cards, send money in 40+ currencies, set budgets and savings goals, share accounts and get automated monthly reports, all from one app.
Download the app, verify your identity in a few minutes and add money. Most people are set up and spending the same day.
Yes. Our support team is available 24/7 by in-app chat and email, and Premium members get priority replies.
Fernly works on iPhone and Android, and your account syncs instantly between devices so you can pick up right where you left off.
We use bank-grade encryption, biometric sign-in and real-time fraud monitoring. You can also freeze any card instantly from the app.
No. Every fee is shown before you confirm a payment, and currency exchange uses the real mid-market rate.
Still have questions?
Our team replies around the clock, usually within a few minutes.
Take Control with an App That Just Works
Join over two million people who spend smarter, save faster and send money home for less. Setting up takes about five minutes.
