Hawala
Virtual
Hawala
Works
To open
Free
Per month
Free
Use our code when you sign up, and you can redeem $10 once you have topped up $200 in total.
Last checked: 2026-09-04
An account in euros for receiving money, a stablecoin wallet, and a free virtual Visa card for spending.
Status
| StatusWhether an Algerian can open it and whether it works. Not how many features it has. | Works |
|---|
Account details
| EUR IBANAn address for receiving euros from within the EEA, in your own name. | Yes |
|---|---|
| GBP accountAn account number and sort code for receiving British pounds from within the UK. | No |
| USD ACHAccount and routing numbers for receiving dollars sent from inside the United States. The cheap everyday rail — but the sender must be in the US. | No |
| USD wireDetails for receiving dollars sent from outside the United States. Works from almost anywhere, but costs more and takes longer than ACH. | No |
| StablecoinAn address for receiving stablecoins such as USDT or USDC. | Yes |
What it costs
| Compared across banks | |
|---|---|
| OpeningA one-off charge to open the account. | Free |
| MonthlyWhat the account costs every month on the cheapest usable plan. | Free |
| Foreign spendCharged when the card currency differs from the merchant currency. | 3% Up to 3% on non-USD payments, plus up to 3% more when the merchant is outside the US. Paying in USD to a US merchant is free. |
| ATMWhat it costs to withdraw cash at an ATM. | Not supported |
| Virtual cardA one-off charge to issue a card that exists only in the app. | Free |
| Physical cardA one-off charge to issue a plastic card posted to you. | Not supported |
| What else Hawala charges | |
| Receive stablecoins | $0 |
| Receive EUR (SEPA) | 0.5% + €3 Taken out of the amount received. 1,000 EUR arrives as 992 EUR, and 100 EUR arrives as 96.50 EUR. |
| Swap between currencies | $0 |
| Withdraw to a bank account | $1 flat |
| Send an international wire | $1 flat |
| Send stablecoins to an external wallet | 10% |
Card
| TypeWhether the card is virtual, physical, or both. | Virtual |
|---|---|
| NetworkWhich network the card runs on — this decides where it is accepted. |
Opening an account
| Sign-upWhich identity documents you need to open the account. | National ID OK |
|---|
| PayingWhether you can use it to pay with PayPal. | Yes |
|---|---|
| WithdrawingWhether you can move money from PayPal into it. | No |
Bank account — Hawala's USD account details are not available to Algerians. Card — The card links and can be set as the default withdrawal card, but no withdrawal to it has been confirmed yet. Currencies: USD An Algerian PayPal account can only link a US bank account. PayPal charges a flat $5 for an on-demand card withdrawal, and nothing for a scheduled monthly payout. This applies to every card, not just this one. | |
Hawala in particular
| USD bank account | Not available to Algerians |
|---|---|
| Moving money onto the card | One-way Money you move onto the card cannot go back to your main balance or be withdrawn to a bank, and support cannot reverse it. Top up roughly what you plan to spend, and leave the rest in your main balance, which is where every withdrawal and transfer comes from. |
| Card cashback | 1.5% |
| Stablecoin networks | Solana, Tron, Ethereum, Base, Polygon, Arbitrum and Optimism |
