Takenos review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Takenos is an app-only account for businesses and travellers who want to hold several currencies and pay nothing to keep it open. The monthly fee is $0 and the currency conversion fee is 0%, which earns a cost score of 7.2 while the offer scores 5.7.
Key facts
- Best for
- Free multi-currency holding and card spending for small businesses and frequent travellers.
- Monthly fee
- $0↗
- Currency conversion fee
- 0%↗
- Currencies
- 5↗
- Local account details
- Us-ACH↗
- Transfer fee
- No extra commission charged on international transfers↗
- Legal entity
- Takenos Inc.↗
- Headquarters
- Argentina↗
- Support channels
- Email, Help-centre↗
- Audience
- Travelers, Business
- Pricing model
- No monthly fee, Low FX fees
- Features
- Digital-only
- Official website
- takenos.com
Savings
Money transfer
- Exchange rate markup
- 0%↗
- Delivery time
- Under 24 hours (business account)↗
- Payout methods
- Bank, Card↗
- Fee to send 1,000
- ARS 0↗
Facts checked September 26, 2026, 7 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- The monthly fee is $0, and international transfers carry no extra commission.
- Currency conversion costs 0% with a markup of 0%, ranking 1 of 312 brands on that measure.
- Yield builds on your balance inside the app, and investment packages can be traded at any time with no commission charged.
- The account is easy access, holds 5 currencies and covers bank and card.
Cons
- Support runs on email and help centre only, so there is no chat or phone line.
- The currency list is 5 currencies, ranking 156 of 379 brands on that measure.
- It is a digital only account, so there is no counter to visit for cash.
Who it suits
- Small businesses paying suppliers abroad, since business transfers are delivered in Under 24 hours (business account).
- Travellers who want 5 currencies and a conversion fee of 0% on card spending.
- Anyone starting to invest from a small balance, since the minimum deposit is $1.
Who should look elsewhere
- Plazo ES, which also has a monthly fee of €0, suits readers who mainly want a savings account.
- Skrill, with a monthly fee of €0, suits readers who want wallet payouts rather than an app account.
- PayPal Colombia, where conversion costs 3% to 4%, is worth keeping if your payments already run through it.
How Takenos compares
9.2 vs 8.7
9.2 vs 8.6
9.2 vs 8.0
9.2 vs 8.9
9.2 vs 9.1
9.2 vs 9.2
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 8.7
9.2 vs 9.0Its monthly fee is €0 as well, so the pull is payouts to a bank account or a card rather than 5 currencies in one app.
9.2 vs 8.7
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where Takenos is available
- Available
- Argentina, Bolivia, Ecuador, Peru
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does a Takenos account cost to run?+
The monthly fee is $0 and the currency conversion fee is 0%, with a markup of 0%. International transfers carry no extra commission, and Takenos ranks 1 of 500 brands on the monthly fee, so holding the account open costs little.
Does Takenos charge for spending abroad?+
On its international card, the conversion fee is 0% and the rate markup is 0%. That places Takenos at rank 1 of 312 brands on conversion cost, which helps if your card spending spreads across more than one currency.
How fast are business payments?+
Business payments are delivered in Under 24 hours (business account), so most reach the other side the same working day. The account has a monthly fee of $0, and international transfers carry no extra commission, which suits regular supplier payments.
How do I get paid into a Takenos account?+
You can receive money through us ach, which gives you local US account details for incoming payments. The account runs on easy access terms, so funds stay available, and any balance you hold starts earning yield in the app.
How do I take money out?+
Payouts cover bank and card, so you can send money to a bank account or to a card. Support runs on email and help centre, so a payout that has not landed can be chased by email or through the help centre rather than inside the app.
Can I invest through Takenos?+
Return on your balance builds in the app, and investment packages can be bought and sold at any time with no commission. You can start from a balance of $1, and the rate is variable at 3%, so the return can move instead of being locked for a term.
How do I get help?+
Support runs on email and help centre, so you get email and a help centre rather than a phone line. If a business transfer that should have arrived in Under 24 hours (business account) has not shown up, the help centre is the place to start. The account is digital only, so most tasks sit in the app.
Sources
- apps.apple.com/us/app/takenos/id6499217598 checked September 26, 2026
Backs: Legal entity
“Seller Takenos Inc. ... Copyright © Takenos Inc.”
- takenos.com checked September 26, 2026
Backs: Audience, Features, Pricing model, Monthly fee, Support channels, Fee to send 1,000
“support@takenos.com ... Preguntas frecuentes (help.takenos.com)”
- takenos.com/business checked September 26, 2026
Backs: Account kind, Currencies, Delivery time, Headline rate, Local account details, Rate type, Transfer fee
“Immediate settlement: your international transactions settle in less than 24hs”
- takenos.com/inversiones checked September 26, 2026
Backs: Access terms, Minimum deposit
“No commissions. You can buy and sell without costs 24/5”
- takenos.com/notas-medios checked September 26, 2026
Backs: Headquarters
- takenos.com/promociones checked September 26, 2026
Backs: Payout methods
- takenos.com/tarjeta-internacional checked September 26, 2026
Backs: Currency conversion fee, Exchange rate markup
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Related by the facts
Guides
Takenos
Free multi-currency holding and card spending for small businesses and frequent travellers.