Tuyo
- The 4.35% yield is not a deposit: no scheme covers it, and the rate can move.
Pros & Cons
Pros
- Free global USD 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 4.35%)
- you receive SEPA transfers
May not fit if
- you do not have a local DNI
What you'll need
- DNI+CUIL
Deposit & savings rates
Compare all deposits →| Product | Currency | TAE / APY | Term | Conditions | Source |
|---|---|---|---|---|---|
| USD yield | USD | 4.35% | 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, Tuyo is harder to reach: it requires a local DNI before you can open an account.
It is a crypto fintech supporting USDT/C. You can hold USD, earning up to 4.35% on the balance.
Check the document requirements below before you apply.
Fees & terms
- Exchange rate
- No exchange
- Card cost
- Free virtual card
- Local-currency withdrawal
- Not disclosed
- USD withdrawal
- Not disclosed
- Withdrawal fees
- Not disclosed
- Limits
- Not disclosed
- USD yield
- 4.35%
- Cashback
- Not disclosed
- Currencies
- USDT/C
- Cards
- Global Virtual
- Transfers
- Crypto in, Crypto out, ACH in, SEPA (IBAN) in
- Payments
- Apple Pay
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 |
|---|---|---|---|
| SEPAincomingEUR | Not published | Not published | — |
| ACHincomingUSD | Not published | Not published | — |
| Cryptoincoming | Not published | Not published | — |
| Cryptooutgoing | 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 4.35% yield is not a deposit: no scheme covers it, and the rate can move.
Read from: usd_apy
Recent updates
- 2026-08-15checked2 facts about Tuyo re-checked against their sources
- 2026-06-19checked11 facts about Tuyo 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. Tuyo requires a local DNI to open an account.
- What documents do I need?
- DNI+CUIL.
- Can I hold and receive USD?
- Yes, Tuyo lets you hold USD, with up to 4.35% 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.
Backed by two or more sources, at least one of them official, with no unresolved disagreements. We publish a score. Ranked lists need one more step.
Still needed
- Cite 1 more official source(s)