Valuto
Join the waitlist

Pay like
a Local.

One balance in dollars. Every QR code abroad. The rate on the screen before you tap.

Join the waitlist

First 1,000 members get their first 10 payments free.

Every time you pay abroad,

your bank takes a quiet cut.

3–6%, hidden in the exchange rate.

You’ve paid it

at coffee counters

in night markets

at hotel desks

on the back of a scooter

— without ever seeing it happen.

So we built something different.

  • Scan the same QR code the locals use.
  • Pay in their currency, from your dollars.
  • See the rate and the fee before you tap.

Valuto. Pay like a Local.

The receipts

Same coffee. Two receipts.

Pick a destination and a purchase — then read what each card actually charges.

Your bank card

  • Coffee — Bangkok108 ฿
  • Mid-market value$3.00
  • FX markup (2.5%)hidden in the rate +$0.08
  • Foreign transaction fee (3%)on your statement later +$0.09

Charged to you $3.17

5.5% over the real price

Valuto

  • Coffee — Bangkok108 ฿
  • Mid-market value$3.00
  • Valuto fee (2%)shown before you confirm +$0.06

Charged to you $3.06

You keep $0.11

Over a two-week trip (~$1,200 spent), that’s about $42 that stays yours.

Illustrative rates. Bank costs vary by card — typically 3–6% all-in.

The math nobody shows you

The real cost of a $2 coffee

Four ways to pay for the same small purchase abroad.

Bank card Airport exchange ATM withdrawal Valuto
Typical all-in cost 3–6% 8–12% 5–7% + ATM fee ~2%
Rate shown before you pay No Sometimes No Yes
Works at small local merchants Rarely Cash only Cash only Yes

Most of what you lose isn’t a fee with a name on it. It’s the exchange rate — quietly a few percent worse than the real one.

Three steps

How it works

  1. Add funds

    Top up in dollars or euros from your bank, card, or Apple Pay.

  2. Scan any local QR code

    The one already taped to the counter. Nothing for the merchant to install.

  3. Pay in their currency

    They’re paid instantly, in local money. You see the rate and fee before you confirm.

Valuto home screen: a $1,240.50 balance shown as roughly 31 million Vietnamese dong, with a Scan to pay button and recent QR payments at local street food places
One balance, in dollars
Valuto confirm payment screen: 50,000 dong at Phở Hòa, you'll pay $2.22, with the exchange rate and fee itemised before paying
The rate and fee, before you tap
Valuto payment confirmed screen: paid $2.22 to Phở Hòa, with the local amount and new balance
They’re paid. You’re done.

Coverage

Where it works

Live at launch

  • Philippines₱ · QR Ph Live at launch
  • Vietnam₫ · VietQR Live at launch
  • Thailand฿ · PromptPay Live at launch
  • Cambodia៛ · KHQR Live at launch
  • BrazilR$ · Pix Live at launch
  • ArgentinaAR$ · Mercado Pago Live at launch
  • ColombiaCOP · QR payments Live at launch
  • PeruS/ · QR payments Live at launch
  • BoliviaBs · QR payments Live at launch

Coming soon

  • IndonesiaRp · QRIS Coming soon
  • MalaysiaRM · DuitNow Coming soon
  • SingaporeS$ Coming soon
  • ChileCLP Coming soon
  • EcuadorUS$ Coming soon

Where are you travelling next?

We launch next where our members are going.

Nothing hidden

The rate, the fee, the amount. Same screen.

We show you the exchange rate and the fee on the same screen as the amount, before you confirm. Not on your statement three days later.

Valuto confirm payment screen: 50,000 dong at Phở Hòa, you'll pay $2.22 — the exchange rate, amount, and fee all shown before you swipe to pay

Safer by design

Scams that simply can’t happen

Paying by QR doesn’t just skip the fees. No card, no PIN, and no cash also means the oldest travel scams have nothing to work with.

  • ATM & card skimming

    No magnetic strip or chip ever goes into a machine — so a tampered ATM or card terminal has nothing to clone.

  • Shoulder surfing

    You never type your card PIN on a shop keypad where bystanders or a hidden camera can watch. Every payment is approved on your own phone.

  • Data breach theft

    The merchant only receives a payment confirmation — never your card number or banking details. If their system leaks, nothing of yours is in it.

  • Cash short-changing

    You pay the exact amount on the screen, in their currency. No notes handed over, no change counted back wrong on purpose.

Founding 1,000

Be one of the first 1,000.

Founding members pay no Valuto fee on their first 10 payments, get access before public launch, and help decide which country we open next.

— founding spots left

Share your link and move up the list.

Fee-free applies to Valuto’s service fee on payments up to $50 each. Exchange rates still apply.

Questions

FAQ

Is my money safe?

Your balance stays under your control, and every payment needs your approval. Payment services are provided by licensed partners.

Do merchants need to sign up?

No. Valuto works with the QR codes they already accept.

What does it cost?

Around 2% all-in — roughly a third of what a typical bank card costs abroad. You’ll always see the exact amount before you confirm.

When do you launch?

Founding members get access first. Join the waitlist and we’ll email you.

Which countries?

See the list above. We prioritise new markets based on where members tell us they’re going.

Stop tipping your bank
every time you travel.

Join the waitlist