Cleva review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Cleva is a digital-only account for businesses and freelancers who want to hold 3 currencies with no monthly charge. Fees sit at $0 a month and 0% on conversion, and money in Cleva Pots earns 3% at a variable rate with no lock-in.
Key facts
- Best for
- Businesses and freelancers wanting a low-cost, easy-access account with a place to park cash.
- Monthly fee
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Currency conversion fee
- 0%↗
- Currencies
- 3↗
- Local account details
- Us-ACH↗
- Transfer fee
- Free↗
- Headquarters
- United States↗
- Founded
- 2023↗
- Support channels
- Email, Help-centre↗
- Audience
- Business, Freelancers
- Pricing model
- No monthly fee, Low FX fees
- Features
- Digital-only
- Official website
- getcleva.com
Savings
Money transfer
- Exchange rate markup
- 0%↗
- Delivery time
- Instant for Cleva-to-Cleva transfers↗
- Payout methods
- Bank↗
- Fee to send 1,000
- $0↗
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- LinkedInXinstagram.com
Pros and cons
Pros
- Monthly fee of $0 and a currency conversion fee of 0%, so holding balances and converting are free.
- Cleva Pots pay 3% on a variable rate, with no lock-in and withdrawals the same day.
- Deposits are covered by FDIC up to USD 250,000, and the US regulator is the Financial Crimes Enforcement Network.
- Within the service, transfers land with no waiting: Instant for Cleva-to-Cleva transfers.
Cons
- The currency list is short at 3 currencies, which sits at 227 of 379 compared brands.
- Support runs on email and help centre only, with no phone line.
- The service is digital only, so there is no branch to visit and money moves through an app.
Who it suits
- Freelancers and small businesses billed in 3 currencies who want $0 a month.
- Anyone parking spare cash in an easy-access pot, since the account is easy access and pays 3% on a variable rate.
- People who bank mainly in the US and are content with us ach local details.
Who should look elsewhere
- For a longer currency spread than Cleva's 3, compare Skrill, whose monthly fee is €0.
- For people who convert often, PayPal Colombia works on other terms, with a conversion fee of 3% to 4% against Cleva's 0%.
- For cash or branch needs, Plazo ES is the alternative to check, since Cleva is digital only and pays out to a bank account only.
How Cleva compares
8.7 vs 8.7
8.7 vs 8.6
8.7 vs 8.0
8.7 vs 8.9
8.7 vs 9.1
8.7 vs 9.2
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 8.7
8.7 vs 9.0Skrill's monthly fee is €0, matching Cleva's $0, where Cleva covers 3 currencies and a savings pot.
8.7 vs 8.7
8.7 vs 9.5
8.7 vs 9.4
8.7 vs 9.3
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
8.7 vs 9.2
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8.7 vs 9.2
8.7 vs 9.1
8.7 vs 9.0
8.7 vs 9.0
8.7 vs 8.9
8.7 vs 8.9- 8.7 vs 8.9
8.7 vs 8.7
8.7 vs 8.5
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8.7 vs 8.2
8.7 vs 8.1- 8.7 vs 8.1
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 8.0
8.7 vs 9.1
Where Cleva is available
- Available
- Ghana, Nigeria, Uganda, United States
- Licence in United States
- Financial Crimes Enforcement Network (FinCEN), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Cleva cost to keep and use?+
The monthly fee is $0 and the currency conversion fee is 0%, so holding balances and converting between your currencies are free. Transfers are free. That places Cleva at 1 of 500 and 1 of 312 compared brands on those two measures.
What do I earn on money left in Cleva Pots?+
Cleva Pots pay 3% on a variable rate, with the funds held in US Treasury. There is no lock-in, you can withdraw at any time and withdrawals land the same day. The minimum deposit is $0.
Is my money safe with Cleva?+
Deposits are covered by FDIC up to USD 250,000. Cleva is regulated in the US by the Financial Crimes Enforcement Network, and the Pots hold funds in US Treasury. Because the service is digital only, everything is handled in the app rather than at a counter.
How many currencies can I hold?+
Cleva covers 3 currencies, a short list for anyone running several markets at once. Local account details are us ach, so paying in works through the US system. On currency count that ranks 227 of 379 compared brands.
Who is Cleva built for?+
Cleva is aimed at business and freelancer accounts, so businesses and freelancers are the core users. The account is easy access, which keeps money available instead of tying it up. With 3 currencies it suits straightforward US banking rather than wide international reach.
How do I get money out?+
Payouts go to a bank account and the transfer fee is free. Inside Cleva, transfers are Instant for Cleva-to-Cleva transfers. The minimum deposit is $0 and there is no lock-in, so money can come out at any time.
How do I reach Cleva support?+
Support runs through email and help centre: email and a help centre. No phone line is listed, so questions about transfers, conversions or the Pots are handled in writing, which suits people who like to keep a record of the answer.
Where is Cleva based?+
Cleva is headquartered in the US and was founded in 2023. Its US regulator is the Financial Crimes Enforcement Network. The Pots place funds in US Treasury, and deposits sit under FDIC up to USD 250,000.
Sources
- getcleva.com checked September 26, 2026
Backs: Delivery time, Deposit protection, Features, Monthly fee, Licences
“Enjoy free and instant transfers when you send money to your friends and family on Cleva.”
- getcleva.com/pricing/conversions checked September 26, 2026
Backs: Exchange rate markup
“Convert between any two currencies for free.”
- getcleva.com/pricing/transfers checked September 26, 2026
Backs: Payout methods, Fee to send 1,000
“Bank Transfer to Nigeria ... Transfer fee: FREE”
- getcleva.com/faq checked September 26, 2026
Backs: Local account details, Support channels
“Can I transfer USD from my Cleva account to another US account?”
- getcleva.com/multi-currency-account checked September 26, 2026
Backs: Audience, Currencies
“Whether you're an individual, freelancer, or business, Cleva makes it easy to receive payments in USD, GBP, EUR, and stablecoins.”
- getcleva.com/pots checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Rate type
“Withdrawal: Same-day; Lock-in: None”
- getcleva.com/pricing/conversions checked September 26, 2026
Backs: Currency conversion fee, Pricing model
“Convert between any two currencies for free.”
- getcleva.com/pricing/transfers checked September 26, 2026
Backs: Transfer fee
“Bank Transfer to Nigeria Transfer fee: FREE”
- ycombinator.com/companies/cleva checked September 26, 2026
Backs: Founded, Headquarters
“Founded: 2023”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type.
Related by the facts
Guides
Cleva
Businesses and freelancers wanting a low-cost, easy-access account with a place to park cash.