The world's first dedicated Travel Bank for borderless spending

Your Global Travel Bank

Revolutionizing travel finance with multi-currency Travel Accounts that eliminate cash, cards, and currency conversion stress.
$1.7T
Global Travel Spend (2025)
68%
Travelers Prioritize Digital Payments
5-7%
Average Savings vs Traditional FX
100+
Supported Countries

Key Features

The Izhinga Travel Bank provides a seamless financial experience for global travelers
Multi-Currency Travel Accounts
Hold, manage, and exchange 50+ currencies in a single Travel Account with real-time exchange at mid-market rates.
Bank-Grade Security
Funds protected in tier-1 custodial accounts with PCI DSS Level 1 compliance and 256-bit encryption.
Instant Global Payments
Pay like a local in 100+ countries with one tap or QR scan. No transaction fees for merchants.
Smart Travel Budgeting
AI-powered spending insights and real-time expense management tailored for travelers.

Real-World Use Case

How Ahmed from Dubai travels to India with Izhinga Travel Bank
Seamless Travel Experience
Ahmed, a frequent traveler from Dubai, uses Izhinga Travel Bank to eliminate the hassles of carrying cash and dealing with currency exchange. Before his trip to India, he loads AED into his Izhinga Travel Account through a local payment aggregator.

No Cash Needed

Ahmed doesn't need to carry physical cash or visit currency exchange offices

Zero Hidden Fees

Transparent mid-market exchange rates with no hidden fees or commissions

1

Load Funds in Dubai

Ahmed loads AED 10,000 into his Izhinga Travel Account using a local UAE payment gateway. Funds are instantly available in his multi-currency account.

2

Convert to INR

Using the Izhinga app, Ahmed converts AED to INR at the real-time exchange rate. He gets ₹225,000 instantly with no fees.

3

Travel to India

Ahmed arrives in India with no cash. His Izhinga Travel Account is ready for payments through the app, QR codes, or virtual card.

4

Pay Merchants Directly

At restaurants, shops, and hotels, Ahmed pays directly from his INR balance. Merchants receive payments instantly in their local bank accounts.

5

Return with Balance

Unused INR converts back to AED automatically. Ahmed tracks all transactions in the app with real-time notifications.

Regulatory Compliance

Fully compliant financial operations across all supported regions
UAE Compliance
Stored Value Facility (SVF) license with Central Bank of UAE oversight and ADCB Banking-as-a-Service partnership.
India Compliance
RBI PPI + Payment Aggregator licenses with FEMA adherence through Razorpay integration.
Global Standards
EMI licensing in EU, FinCEN registration in US, and PCI DSS Level 1 certification worldwide.
Strategic Partnerships
Banking-as-a-Service with ADCB, Razorpay, Nium and Airwallex for global coverage.

Investor Benefits

Why Izhinga Travel Bank represents a compelling investment opportunity

Massive Market Opportunity

$1.7T global travel market with 68% of travelers prioritizing digital payment solutions.

First-Mover Advantage

First globally regulated Travel Bank positioned between fintech and travel industries.

Multiple Revenue Streams

FX spread (0.5%), merchant fees (1.2%), premium subscriptions, and business solutions.

Strategic Partnerships

MOUs with Dubai Tourism, MakeMyTrip, and 8 airport retail chains for rapid adoption.