Choose the right account for you
Personal Checking
Open a personal checking account in under 5 minutes. No credit check, no monthly fees, and instant transfers to any bank in the world. Your account comes with a free virtual debit card and optional physical card.
Learn more about personal accountsBusiness Accounts
Credit Cards
Global Transfers
Savings & Deposits
Banking in your pocket
Manage your money from anywhere. Send transfers, track spending, freeze your card, and receive real-time notifications — all from the Meridian app.
- Real-time transaction notifications
- Freeze or unfreeze your card instantly
- 30+ currencies, one app
Everything you need to move money globally
Built for individuals and businesses who need reliable, fast, and transparent international banking.
Multi-currency accounts
Hold balances in USD, EUR, GBP, NGN and more. Switch between currencies instantly.
Instant transfers
Send money domestically or internationally with low fees and transparent pricing.
Competitive FX rates
Real-time exchange rates with no hidden margins. Know exactly what you pay.
Downloadable statements
Export transaction history in CSV. Full audit trail for every movement.
Two-factor authentication
TOTP-based 2FA with recovery codes. Your account is protected at every login.
Developer APIs
RESTful APIs with webhooks. Integrate transfers into your own products.
We are building the global bank we wished existed.
Meridian International Bank was founded in 2021 by a small team of engineers and operators who had built payment systems at some of the world's largest fintechs. We saw the same problem everywhere: banking infrastructure that stops at borders. So we built a single platform that moves money the way the internet moves information — instantly, transparently, and at a fair price. Today, thousands of individuals and businesses across 40+ countries rely on Meridian to hold balances, send and receive funds, and reconcile in multiple currencies. We are a regulated financial institution, and we hold customer funds in segregated accounts at tier-one partner banks.
"We move money the way the internet moves information — instantly, transparently, and at a fair price."Learn more about us
Get started in minutes
Open an account, verify your identity, and start transacting.
Create account
Sign up with your email. No credit check required.
Verify identity
Complete KYC verification in under 5 minutes.
Add funds
Transfer from your bank or receive payments from others.
Start transacting
Send, receive, and manage money globally.
News & insights
Industry News
The State of Global Finance in 2026
Cross-border payment volumes hit record highs this quarter as real-time settlement networks expand across Southeast Asia and Latin America. Here is what that means for your business.
Read more
Insight
How Global Banking Infrastructure Is Finally Catching Up
The SWIFT GPI update, ISO 20022 migration, and a wave of new payment rails are compressing settlement times from days to seconds. A look at what has changed and what is still ahead.
Read more
Security
Account Security in 2026: What Every Business Needs to Know
From passkey adoption to behavioral biometrics, the threat landscape is evolving fast. Here is the security posture we recommend for businesses moving money internationally.
Read moreFrequently asked questions
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Open your free account today. No credit check, no monthly fees, no surprises.