Meru
- The 0.08% yield is not a deposit: no scheme covers it, and the rate can move.
Pros & Cons
Pros
- Uruguayan fintech with US/EU accounts and global virtual card
Cons
- Requires a local DNI
Rating breakdown
Why this score
Good fit for
- you need to hold a balance in USD
- you move stablecoins both in and out
- you want yield on an idle balance (up to 0.08%)
- you receive international wires (SWIFT)
- you receive SEPA transfers
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
- DNI+CUIL
Deposit & savings rates
Compare all deposits →| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| USD yield | USD | 0.08% | 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, Meru is harder to reach: it requires a local DNI before you can open an account.
It is a global fintech supporting USD, USDT/C. You can hold USD, earning up to 0.08% on the balance.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- Own rate
- Card cost
- Virtual global card = free Physical = 5 USD + delivery fee from 12 USD
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Bank ATMs
- Withdrawal fees
- Cash withdraw fee $5
- Limits
- - Cash withdraw $250/transaction, $750/day
- USD yield
- 0.08%
- Cashback
- Not disclosed
- Currencies
- USD, USDT/C
- Cards
- Global Virtual, Global Physical
- Transfers
- Card2card in, ACH in, ACH out, Crypto in, Crypto out, CBU/CVU USD in, SEPA (IBAN) in, SEPA (IBAN) out, PIX out, SWIFT out, SWIFT in, PIX in
- Payments
- Apple Pay
- Headquarters
- Columbia
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 |
|---|---|---|---|
| SWIFTincoming | 15 USD | Not published | — |
| SWIFToutgoing | 0.75%25 USD | Not published | — |
| SEPAincomingEUR | 2 USD | Not published | — |
| SEPAoutgoingEUR | 0.75%1.5 USD | Not published | — |
| ACHincomingUSD | 2 USD | 2–5 days | — |
| ACHoutgoingUSD | 0.75%1.5 USD | Not published | — |
| CBU/CVUincomingUSD | Not published | Not published | — |
| Cryptoincoming | 1%1 USD | Not published | — |
| Cryptooutgoing | 1%1 USD | Not published | — |
| Card to cardincoming | Not published | Not published | — |
| PIXincomingBRL | Not published | Not published | — |
| PIXoutgoingBRL | Not published | Not published | — |
What to know before you move money
Elevated exposure — At least one thing here would change a reasonable person’s mind.
- HighThe 0.08% yield is not a deposit: no scheme covers it, and the rate can move.
Read from: usd_apy
Recent updates
- 2026-08-15checked10 facts about Meru re-checked against their sources
- 2026-06-19checked11 facts about Meru 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. Meru requires a local DNI to open an account.
- What documents do I need?
- DNI+CUIL.
- Can I hold and receive USD?
- Yes, Meru lets you hold USD, with up to 0.08% 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.