Soutra Money review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Soutra Money suits expats and businesses who want a cheap, digital-only account for holding and sending money in 10 currencies. The monthly fee is GNF 0 and the currency conversion fee is 0%, delivery is Instant, and the operator is DIGITALPAY SA in Guinea.
Key facts
- Best for
- A free digital-only account for expats and businesses moving money in and out of Guinea.
- Transfer fee
- 1%↗
- Delivery time
- Instant↗
- Payout methods
- Bank, Cash-pickup, Wallet, Card↗
- Currencies
- 10↗
- Legal entity
- DIGITALPAY SA↗
- Headquarters
- Guinea↗
- Support channels
- Email, Phone, Chat, Help-centre↗
- Official website
- soutramoney.com
Everyday accounts
- Monthly fee
- GNF 0↗
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- GNF 0↗
- Audience
- Expats, Business
- Pricing model
- No monthly fee, Low FX fees
- Features
- Free ATM withdrawals, Digital-only
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- No monthly charge: the monthly fee is GNF 0 and the free ATM allowance is GNF 0.
- The currency conversion fee is 0% across 10 currencies.
- Delivery is Instant, so payouts do not sit waiting.
- Payouts run to bank, cash pickup and wallet.
Cons
- The service is digital-only, and the free ATM allowance is GNF 0.
- Coverage of 10 currencies sits below the site median of 5 and the widest reach of 350.
- Every transfer carries 1%, where Skrill charges nothing for bank transfers.
Who it suits
- Expats and businesses, the two groups named in expats and business, who need an account based in Guinea.
- Businesses paying staff or suppliers, since bank, cash pickup and wallet cover bank accounts, cash pickup, wallets and cards.
- Anyone who wants to hold and send money without a monthly charge and can reach help on email, phone and chat.
Who should look elsewhere
- Skrill if you want a longer currency list, since Skrill covers more currencies than 10.
- Paysera if you mainly send euros to SEPA accounts, where Paysera charges nothing in euros to those users and Soutra Money charges 1%.
- PayPal Colombia if you want to send straight from a PayPal balance or a linked bank account, which it does at no transfer fee.
How Soutra Money compares
Where Soutra Money is available
- Available
- Guinea
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep an account?+
The monthly fee is GNF 0, so holding the account is free. Cash is covered by a free ATM allowance of GNF 0. The only charge when you move money is the 1% transfer fee, so the standing cost of the account stays at nothing.
What does a transfer cost?+
Transfers carry a fee of 1%. There is no monthly charge on top, and the currency conversion fee is 0%, so the headline cost of sending money is the transfer fee. Delivery on a transfer is Instant.
How much is currency conversion?+
The currency conversion fee is 0%, so holding balances in the currency you use avoids paying it again on every transfer. The service is positioned on low conversion cost. A transfer still carries the 1% transfer fee.
How quickly does money arrive?+
Delivery is Instant on transfers, so a payout can land without a wait. That makes the service workable for regular payments as well as one-off remittances, provided the recipient is reachable in a supported currency.
How can I get the money out?+
Payouts run to bank, cash pickup and wallet, so a transfer can go to a bank account, a cash pickup point, a wallet or a card. Cash withdrawal in person is covered by the free ATM allowance of GNF 0.
What support can I reach?+
You can reach the team by email, phone and chat. That covers email, phone, chat and a help centre, so help is available in writing and by voice for a transfer that needs checking before it is sent.
How many currencies can I hold?+
The account covers 10 currencies. The site median for this category sits at 5, and the widest services reach 350, so check the list before you rely on a specific currency.
Who runs the service?+
The legal entity behind the service is DIGITALPAY SA, and the account is based in Guinea. It runs as a digital-only service, listed alongside a free ATM allowance, with support handled over email, phone and chat.
Sources
- soutramoney.com checked September 26, 2026
Backs: Features, Pricing model, Monthly fee, Support channels
- soutramoney.com/mentions-legales checked September 26, 2026
Backs: Headquarters, Legal entity
- soutramoney.com/reception-internationale checked September 26, 2026
Backs: Currencies, Currency conversion fee
- soutramoney.com/services checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Payout methods
- soutramoney.com/services/transfert-argent checked September 26, 2026
Backs: Delivery time, Transfer fee
“Confirmation instantanee”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Exchange rate markup, Licence type.
Related by the facts
Soutra Money
A free digital-only account for expats and businesses moving money in and out of Guinea.