Learn more about Sendwave Pay

Looking for an alternative to Passbook? 

Sendwave Pay could be perfect for you. Sendwave Pay is banking designed for Sendwave users. It understands the unique needs of those who call more than one country home. With Sendwave Pay you get benefits like:

  • Better rates or lower transfers fees when you send with Sendwave
  • No account creation, maintenance, or minimum balance fees
  • FDIC insurance on your deposits up to $250,000 through our partner Piermont Bank
  • Automatically earn interest on funds kept in your account
  • Reimbursement on international transaction fees when you use your Sendwave Pay debit card outside the US
  • And more benefits are coming soon!

Sendwave Pay is still in limited pre-release but given the recent announcement of Passbook’s closing, we’re offering former Passbook account holders access to join Sendwave Pay’s waitlist. We add Sendwave users each week from the waitlist to experience the product.

To be eligible to Sendwave Pay, please create a Sendwave account and enter your information below. If your Sendwave account is eligible for Sendwave Pay, we'll add you to the list.

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* Sendwave is a financial technology company and is not a bank. Banking services provided by Piermont Bank; Member FDIC. The Sendwave Visa® Debit Card is issued by Piermont Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

** You can join waitlist if you meet the eligibility criteria: currently living in the US, in the supported countries listed below, and have completed a money transfer with Sendwave

Receive a discount of up to 0.4%

in foreign exchange rates when you send a money transfer through Sendwave with your Sendwave Pay account from the US to the following countries:


Save on your transfers

when you send a money transfer through Sendwave with your Sendwave Pay account from the US when you send to the following countries:

Nigeria: Save 30%
Liberia: Save 10%

Earn 1.95% Annual Percentage Yield (APY) on the funds in your Sendwave Pay account

Additional Features

No hidden fees

No minimum balance fees. Out-of-network fees apply.

Security & protection you can trust

Your funds are insured up to $250,000 by Piermont Bank, Member FDIC. Your information is protected with industry-grade encryption.

Travel internationally with ease

Pay no foreign transaction fees when you use your debit card outside the US.

Support that you can depend on

Reach live support 24/7 by phone or email to address any questions or issues.

Frequently Asked Questions

What is Sendwave Pay?
Who is eligible for Sendwave Pay?
How is Sendwave Pay better than my current bank account?
How much do I save if I use Sendwave Pay to remit?
Is there a fee to use Sendwave Pay?
Do I have to pay charges to move money from one bank to another?
Can I use Sendwave Pay overseas?
Will I get a debit card?
How long does it take to get my Sendwave debit card?
What should I do if I don’t receive my Sendwave debit card?
Can I withdraw or deposit cash at any ATM with my Sendwave debit card?
What should I do if I lose my card or need a replacement?
What should I do if I notice a suspicious transaction on my card?
What can I do if I want to cancel a transaction?
How do I set up direct deposit? Do I have to deposit 100% of my pay check?
Can I trust Piermont Bank? (Is it safe to put my money in Piermont Bank?)
What is Plaid?

Can't find what you need?

Check out our support center for more information.

Get started
sending money to
your loved ones

Simply download the app, link your debit card, verify your identity and quickly transfer money to your friends and loved ones. Seriously, it’s that simple.
Scan this QR code with your phone to download our app!