Personal Banking

A private bank in your pocket. Calm, global, compliant.

A premium financial home for individuals living and working across the EU and beyond.

Multi-currency wallets

Hold, send and receive in EUR, GBP, USD and more — with transparent FX.

Instant FX

Convert between currencies at institutional rates, with full audit trail.

Premium cards

Virtual and metal physical cards with smart spend controls.

Global payments

SEPA, SEPA Instant and SWIFT, routed through embedded compliance.

Compliance-aware by default

Behavioural monitoring designed to protect your accounts in the background.

Designed to feel calm

An interface that respects your time and attention.

For Individuals

A single account that travels with you.

From rent in Berlin to invoices in London and savings in EUR — Sternexus is designed to remove friction without removing oversight.

Daily summary

€ 14,820.45

Spending this week€ 642
FX gains+€ 38
Subscriptions€ 124