0
loading experience
Now live in Australia

Banking without friction.

Send, receive, and convert money in 180+ countries. Instant, transparent, yours.

Open an account
scroll
Every millisecond your money is idle costs you.

Flux is built from the ground up for velocity. No legacy rails, no hidden margin, no waiting. Just money doing exactly what you ask — instantly.

Platform

How it moves

01

Instant transfers

Domestic and cross-border payments settle in under 3 seconds via the Flux real-time network. No batch windows, no next-day delays — just done.

02

Multi-currency

Hold, send, and convert across 40 currencies at interbank rates. Your balance updates live as markets move — no FX surprises at month end.

03

Security

Every transaction is protected by hardware-attested keys and zero-trust architecture. Biometric-first, fraud-scored in real time, fully auditable.

Plans

Choose your Flux.

For individuals
Personal
Free
Your money, fully mobile.
  • Instant AUD transfers
  • Physical + virtual card
  • 40-currency wallet
  • Spending insights
Open personal account
For companies
Business
$19 / mo
Payroll, FX, expenses — unified.
  • Bulk payouts to 180 countries
  • Team expense cards
  • Accounting integrations
  • Priority support
Open business account
For builders
Developers
Pay-as-you-go
The payments API you deserve.
  • REST + webhooks
  • Sandbox environment
  • SDKs: Node, Python, Go
  • Sub-second settlement
Read the docs
Collection

Built for every context

Flux Black Card
Flux Black Card
Physical + virtual
Instant Transfer
Instant Transfer
Real-time network
FX Dashboard
FX Dashboard
Live rates
Team Cards
Team Cards
Expense control
Multi-currency
Multi-currency
40 currencies
API Payout
API Payout
Developer-first
Virtual Cards
Virtual Cards
Instant issue
Batch Payroll
Batch Payroll
Global payouts
By the numbers
2400000
accounts opened
99.99%
uptime SLA
180+
countries
3s
second settlement
Testimonials

What they say about Flux.

We cut our international payroll time from two days to four minutes. Flux changed how we think about money movement.
Priya Nair
CFO, Nomad Labs
The developer API is genuinely the cleanest payments integration I have ever shipped. Webhooks, sandbox, the lot.
Tom Everson
Lead Engineer, Stackform
Switching from our old bank to Flux felt like going from dial-up to fibre. We simply do not think about fees anymore.
Mia Chen
Founder, Glasswork
Multi-currency at interbank rates is the headline, but honestly the spending analytics are what keep me here.
Leo Santos
Operations, Crescent Fund
Flux's fraud scoring caught a suspicious transaction my team never would have spotted. The security layer is real.
Aria Wong
Head of Finance, Pillar

Move your money forward.

Join 2.4 million individuals and companies who run on Flux.

Open an account
Emailhello@getflux.io
Phone+61 2 9000 1234
AddressLevel 28, 1 Market St, Sydney NSW 2000