Majority review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Majority pairs a currency conversion fee of 0% with a monthly fee of $6.99, so the cost sits in the monthly charge rather than in currency swaps. It suits expats who move money across borders and want an account that does not ask for a credit check.
Key facts
- Best for
- Expats sending money home who convert more often than they open a new account each month.
- Monthly fee
- $6.99↗
- Currency conversion fee
- 0%↗
- Transfer fee
- Competitive exchange rates on money transfers; fee not stated↗
- Legal entity
- MAJORITY USA, LLC↗
- Headquarters
- United States↗
- Audience
- Expats
- Pricing model
- Low FX fees
- Features
- No credit check
- Official website
- majority.com
Facts checked September 26, 2026, 1 source
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Currency conversion fee of 0%, ranked 1 of 312 brands on that measure
- No credit check, listed among its features for expats customers
- Sends money transfers on competitive exchange rates, matching its low-fx model
- Operation through the legal entity MAJORITY USA, LLC with headquarters in the United States
Cons
- Monthly fee of $6.99 sits well above the site median of €0 for everyday accounts
- Money transfers go on competitive exchange rates, so the transfer charge sits on top of a monthly fee of $6.99
- Its monthly fee ranks 463 of 500 brands on that measure
Who it suits
- Expats who hold a foreign currency balance and spend in another
- People who want an account opened without a credit check
- Anyone who converts regularly enough for a currency conversion fee of 0% to outweigh a monthly charge
Who should look elsewhere
- AXI Card Tarjeta y Credito, which charges a monthly fee of €0 and so suits people who want no standing charge
- XTB, at a monthly fee of €0, for anyone who wants a trading account with no monthly cost
- Skrill, at a monthly fee of €0, for people who want a wallet and can pay nothing each month
How Majority compares
A monthly fee of €0 suits people who mainly want a wallet rather than a current account.
Where Majority is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Majority cost each month?+
The monthly fee is $6.99, charged as a standing cost on the account. That sits above the site median of €0 for everyday accounts, so the fee matters most to people who hold the account all month and convert little. Currency conversion itself is listed at 0%.
What does it cost to change currency?+
The currency conversion fee is 0%, which is the strongest point in the pricing. Majority is ranked 1 of 312 brands on that measure, against a site median of 0.5%. Its low-fx model is built around holding and converting money cheaply.
Is there a fee on money transfers?+
Majority sends money transfers on competitive exchange rates, so the exchange rate is the part you can judge from the published pricing. The transfer charge is a separate line to weigh against that rate, and the monthly fee of $6.99 adds to the cost of keeping the account open.
Do I need a credit check to open an account?+
A no credit check is listed among Majority's features, which suits people without a long credit history or with thin files. The account is aimed at expats customers, so the joining route is built around people arriving from another country rather than a UK credit record.
Who is Majority designed for?+
The listed audience is expats, so the account is aimed at people living and working outside their home country. It suits someone who receives income in a foreign currency and spends in another, and who converts often enough to justify a monthly charge.
Who runs Majority?+
The service operates through the legal entity MAJORITY USA, LLC, with headquarters in the United States. The product is built around a low-fx model and aimed at expats customers, so the account is shaped for money held and spent across currencies rather than a single market.
How does the monthly fee compare with other accounts?+
Majority charges $6.99 each month, where the site median for everyday accounts is €0 and the site maximum is €449. Among the alternatives, AXI Card Tarjeta y Credito charges €0, XTB charges €0 and Skrill charges €0.
What is the trade-off in Majority's pricing?+
The account gives up its low-fx strength: it charges 0% on conversion but adds a monthly fee of $6.99 where many everyday accounts carry no standing cost. If you convert often, that conversion fee repays the monthly charge; if you mostly hold a single currency, it does not.
Sources
- apps.apple.com/us/app/majority-mobile-banking/id1458589760 checked September 26, 2026
Backs: Audience, Features, Currency conversion fee, Headquarters, Legal entity, Pricing model, Monthly fee, Transfer fee
“MAJORITY is the mobile banking app built for internationals in the US”
Compiled from 1 source page, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currencies.
Related by the facts
Majority
Expats sending money home who convert more often than they open a new account each month.