Pick a recipient. Send in seconds.
Choose a saved contact or add a bank recipient in a few taps. Charter routes payouts to supported banks across the US, EU, MXN, and BRL.
This is what money should feel like.
Your new global wallet for international payments, payroll, and savings.
Introducing Charter Wallet
The new gold standard.
A global account to send money fast, receive locally, and manage everything in one secure place.
Your new home base for everyday money. From daily spending to global payments, all in one place.
Supported by world-class financial partners
Global payments
Sending money has never been easier.
Your own USD & EUR accounts.
Get paid like a local with virtual USD/EUR details. Receive from clients or employers abroad, then move funds when you’re ready.
One balance, any currency.
Select a currency to preview what they’ll receive. Send USDC globally, with clear, real-time conversions before you confirm.
Confirm the total. Move instantly.
Set the amount and see settlement speed upfront, your USDC moves in seconds. Cashing out? ACH and PIX land fast, with clear totals before you send.
A receipt you can trust.
Track every step with timestamps, fees, and status. Supported bank payouts today in the US, EU, Mexico, and Brazil.
A global account. That truly goes beyond borders.
Meet the upgrade.
A single place to handle it all.
Manage your payroll, savings and expenses. All in a single and clean overview.
Don't let your money sit idle.
Earn up to 4.50% APY on savings.
Put your money to work with Earn from Charter. Earn up to 4.50% APY on your savings in our vaults. Deposit and withdraw whenever you like.
Put your money to work with Earn from Charter. Earn up to 4.50% APY on your savings in our vaults. Deposit and withdraw whenever you like.
Get paid as you work.
Payroll every hour, day week or month.
- Real timeInstant
- Your scheduleFlexible
- Spend TodayAvailable
Waiting weeks for money you already earned doesn’t make sense. With Charter, your pay can arrive as you work so you can spend or save when you need to.
Security that is always on.
Highest grade security
- 100% Non-custodial
- Charter pairs advanced biometrics, resilient recovery, and cryptographic safeguards in a fully non-custodial wallet. Meaning your funds are controlled by you alone.
- Passkeys & Biometrics
- Sign in and approve with Face ID or Touch ID. Charter uses passkey signing backed by your device’s secure enclave, so your keys stay protected. No passwords to steal, and no extra steps to remember.
- Account recovery
- Lose a device or get locked out. You can restore access with secure recovery options, so your wallet isn’t tied to a single phone forever. Your keys stay yours, always.
FAQ
Charter Wallet is different from other financial apps you may have used before.
Your Charter Wallet is self-custodial. This means that you own and control access to the money in your wallet. Your ownership is secured using a private cryptographic key, which is generated for you during setup.
Money in your Charter Wallet is digital currency. It is held in your Charter Wallet as digital dollars, a digital currency issued by Circle Internet Financial.
We always display the value of your Wallet balance and all transfers in both digital dollars or digital euros, and government-issued currency of your choice, like USD, EUR, or BRL.
Most normal, contact-to-contact (peer-to-peer) transfers take less than five seconds on the Charter Wallet app.
Most deposit and withdraw (onramp/offramp) transfers take five minutes or less. In some cases, processing can take 1- 2 business days. This will depend on the recipient's bank.
With Charter Wallet, you own and control the money in your wallet. Access to your wallet is controlled using a private key from a secure enclave (iPhone) or a trusted execution environment (TEE) (Android).
This key is securely generated and stored on your phone, and is protected by your phone’s unique cryptographic security system and your biometrics (Face ID or fingerprints).
Your private key is the only way to access your wallet. No one other than you can access your key, including Charter Labs. This means that you are always in control of your wallet. Wallets that work like this are known as self-custody wallets.
We use digital currency to enable global money transfers, regardless of the currency.
It is held in your Charter Wallet as digital dollars, a digital currency issued by Circle Internet Financial.
Using digital currency lets you send money globally, regardless of the currency.
Learn about the different ways you can add money to your Charter Wallet.
Charter’s Virtual Bank Accounts lets you receive and deposit money in US dollars, euros, Mexican pesos, or Brazilian reais, even if you don’t live in those countries. *Conditions apply
When a deposit arrives to your virtual bank account, it is automatically converted to the primary currency of your Charter Wallet.
Charter’s Virtual Account’s are offered in partnership with Hifi Bridge LLC.