United States
Your bank here. Your bank home.
Manage your U.S. and home-country finances in one seamless app — from checking accounts to transfers and everyday spending.
U.S checking and home-country accounts
Manage your U.S. checking account and home-country account in one simple app. Receive ACH and wire deposits, make local U.S. transfers, and send instant payouts back home.
Virtual and physical USD card
Get a virtual and physical USD card that works globally — online or in-store. Add it to Apple Pay or Google Pay for seamless, secure payments wherever life takes you. Every swipe earns cashback rewards, so your everyday spending goes even further.
Send Money Home
Send funds to your home country quickly and affordably — with competitive FX rates and instant delivery. Whether it’s family support, bills, or business, Raenest makes every transfer feel close to home.
Receive your first payment
1
Open the Raenest app
Log in to your account.
2
Share account number
A quick and secure verification process. This is important to help you keep your account safe.
3
Fast, Reliable Delivery
Check your account to confirm deposit
Security you can rely on
Your money and data are protected with bank-grade security, encryption, and regulatory compliance at every step.
Compliant Transactions
Backed by local and international financial regulations.
Two-Factor Authentication
Added layers of protection
for every account.
ISO/IEC 27001:2022
Information Security Management Systems Certified
Over 1,000,000 people love us. You will too.
Hear some of them yourself.
I could not imagine how great Raenest works until I signed up with them. Honestly, this is my first time reviewing about any website but I must say that I'm happy to write how excellent this Online bank operates
The platform is intuitive, seamless and easy to use. It is also the Fintech platform with the best exchange rates for sending money.
Raenest is a great company with one of the best supports I’ve ever seen.
Raenest has been helping me since last year that I found it, I don't have to stress about transfer anymore as it comes quickly and very fast.
Frequently asked questions
Raenest is a financial technology company and not a bank. Banking services are provided by Regent Bank, and approved by the FDIC. Debit Card Services are issued by Regent Bank who are authorised by Mastercard to carry out card services.
You’ll receive instant access to your account once you’ve submitted all required information and completed verification.
It is free.
This is also free.
Yes, you can use your USD card for your everyday spending.