MultiMoney review

The headline rate is 3.5% to 5.5% and the rate type is variable, so the figure can move rather than staying locked. Interest on the balance is credited monthly, which keeps the return easy to follow from one statement to the next.

The minimum deposit is CRC 0, so there is no amount you must reach before the account does its work. There is no minimum term to serve either, which means the balance can stay put or come out as you need it.

Yes. The account kind is easy access, and savings can be withdrawn around the clock with no minimum term and no minimum amount standing in the way. Interest is credited monthly, so the balance builds in visible steps.

Local Sinpe transfers on the Smart account carry no transfer charge. Money leaving the country is different: a transfer abroad costs $30 per transfer, and any exchange applied to the amount sits on top of that fee.

Delivery is Immediate via Sinpe transfers, so money sent in the local system arrives without a wait that stretches across days. That speed is what makes the account useful for everyday payments as well as for setting money aside.

The provider is Financiera MultiMoney S.A., based in Costa Rica, and it is supervised by SUGEF (Superintendencia de los Servicios Financieros de Costa Rica). That is the financial authority listed for the provider in Costa Rica.

Support runs through phone, help centre and chat, so you can pick a phone call, live chat, the help centre or the community depending on how urgent the issue is. Routine questions are covered by the help centre.

Payouts go to a bank account, since bank is the only route listed on the business side. Delivery on those transfers is Immediate via Sinpe transfers, which suits companies paying suppliers or staff who need funds quickly.