Creda

Express Exchange Company Limited

About this app

Creda is a multi-currency money account for individuals and businesses. Open EUR, GBP and USD accounts, send and receive international payments, and exchange currencies at fair, transparent rates — all from one app.

One account, multiple currencies
- Open dedicated EUR, GBP and USD accounts with your own IBAN
- Hold and manage balances in different currencies side by side
- Switch between Personal and Business profiles in a single app

Send and receive globally
- SEPA and SEPA Instant payments across the EU and EEA
- SWIFT payments to most countries worldwide
- Save recipients for faster repeat transfers
- Track every payment with a clear status timeline

Fair FX, no hidden markups
- Real-time FX rates with a transparent spread
- Rate lock before you confirm — you see exactly what you pay
- Detailed fee breakdown on every transfer

Built for business
- Onboard your company with full KYB
- Manage directors, shareholders and beneficial owners
- Download statements in PDF and CSV for your accountant
- Annual overview and reporting tools

Security and compliance
- Strong authentication with two-factor codes
- Verification of Payee checks before every transfer
- Sanctions and PEP screening on counterparties
- KYC and KYB procedures aligned with international standards