Beans
- The 15.9% yield is not a deposit: no scheme covers it, and the rate can move.
Pros & Cons
Pros
- No documents required
- Cash withdraw via Moneygram
Cons
- Requires a local DNI
Rating breakdown
Why this score
Good fit for
- you need to hold a balance in USD
- you want yield on an idle balance (up to 15.9%)
- you juggle several currencies (4 supported)
May not fit if
- you do not have a local DNI
Where it ranks
Position among the services we hold enough verified evidence to rank for each scenario — each scenario weights the six dimensions differently.
What you'll need
- None for the wallet
- DNI or passport for bank-deposit verification
Deposit & savings rates
Compare all deposits →| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| USD yield | USD | 15.9% | On demand | — | — |
Rates are shown, never scored: a yield is a commercial offer and the most volatile figure we hold, so it lifts nobody's rating. What deposit protection exists is scored separately.
Editorial review
Data reviewed by Ilya ChernetskiyFounder and editor, nomonedaUpdated: 2026-08-15
For relocants, Beans is harder to reach: it requires a local DNI before you can open an account.
It is a service supporting EUR, USD, ARS, GBP etc. You can hold USD, earning up to 15.9% on the balance.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- Own rate
- Card cost
- Not disclosed
- Local-currency withdrawal
- Moneygram
- USD withdrawal
- Moneygram
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- USD yield
- 15.9%
- Cashback
- Not disclosed
- Currencies
- EUR, USD, ARS, GBP etc
- Transfers
- Card2card in, Crypto in, CBU/CVU ARS in/out
- Headquarters
- Netherlands
Transfer routes
One row per direction, rail and currency — with what we hold on fees, speed and limits. A blank fee is not a free transfer; it is a fee we have not collected.
| Route | Fee | Speed | Limits |
|---|---|---|---|
| CBU/CVUincomingARS | Not published | Not published | — |
| CBU/CVUoutgoingARS | Not published | Not published | — |
| Cryptoincoming | Not published | Not published | — |
| Card to cardincoming | 1.99%FX spread, not quantifiedConditional | Not published | — |
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- HighThe 15.9% yield is not a deposit: no scheme covers it, and the rate can move.
Read from: usd_apy
- Medium1 route(s) state a fee we could not turn into a number.
Read from: transfer_routes.fee_components
Recent updates
- 2026-08-15checked2 facts about Beans re-checked against their sources
- 2026-06-19checked11 facts about Beans re-checked against their sources
3 similar services
Chosen by overlap in what people use them for, not by category — the services that would land in the same shortlist as this one.
User reviews
User score
No reviews yet.
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FAQ
- Will they accept me without a DNI?
- No. Beans requires a local DNI to open an account.
- What documents do I need?
- None for the wallet; DNI or passport for bank-deposit verification.
- Can I hold and receive USD?
- Yes, Beans lets you hold USD, with up to 15.9% yield on the balance.
Data provenance & verification
Every fact is checked against an official source and stamped with a date. We re-check fees quarterly and document requirements twice a year. Fields not yet independently verified are labelled honestly.
Independently corroborated, rated on the full model and checked within the year. This service can appear in our ranked picks.