Empowering Financial
Independence
for the Global
Workforce

We started Earna to break down financial barriers for freelancers, contractors, remote workers, and nomads globally, ensuring they have access to secure, flexible financial tools, no matter where or how they earn.

Why we exist

We believe that every independent worker deserves access to secure, flexible, and globally accessible financial tools—no matter where they are or how they earn.

Even though you are not in control of the job you should be in control of the money

We're here to empower freelancers across emerging economies like Africa and Latin America. We've witnessed the challenges they face—limited access to traditional banking, high currency conversion fees, and lack of financial security. Earna was born from the belief that financial freedom should be accessible to all, not just those with conventional jobs or fixed incomes.

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The EARNA story

We see the problem, we experience it too hence we're solving it for all of us together

Jephtah Uche - Co-Founder & CEO, Earna

We envision a world where payments transcend borders, enabling seamless, fast, and affordable value exchange. A world where a creator in Nairobi can collaborate with and be rewarded by someone in Singapore without the constraints of outdated financial systems. A world where poverty barriers dissolve through effortless wealth transfer, unlocking economic opportunities beyond local realities. A world where work, value, and connection are boundless, empowering individuals to share their talents, build communities, and thrive across distant geographies with ease and dignity.

what drives us

At Earna, we're driven by three core principles:

Building financial solutions for a diverse, global workforce

Inclusivity

Leveraging technology to simplify complex financial processes

Innovation

Providing tools that help users gain control over their financial futures

Empowerment

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our core values

We are relentlessly curious

We are keen on consistent learning and exploration in driving innovation and growth.

Built for the Bold

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what our users are saying

Say goodbye to financial borders. Earna brings you multi-currency banking, global access, and financial security—tailored for freelancers and remote professionals worldwide.

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This app is the most legit I've seen so far that offers working virtual cards and good rates. I also love the Earna because it's really strict for saving especially for someone like me that likes spending 😂 if there was anything higher than 5 stars I will give it to Earna 👍. Don't believe the bad reviews they're all lies try for yourself and see.

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Nelson

Product Designer

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Swift with transaction as though I'm the only one on the network, where have you guys been all this while 😄😄, I love the service five star for you guys

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Fikayo

Content Creator

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Normally am not those kind of people who reviews an App but this one I need to. Earna is the best App to get a free virtual card for online payment, have tried so many App but they all failed except this one. Please download it and enjoy it. Thank u so much Earna.

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Nancy

Business Owner

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Earna works well for me so far because whenever I have any issue or I don't understand some things about the app, the response is very fast and assuring. Though I will really love and appreciate it if dollar card can be implemented to help with shopping internationally and paying for courses since the virtual card is not longer working for these.

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Nelson

Product Designer

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Swift with transaction as though I'm the only one on the network, where have you guys been all this while 😄😄, I love the service five star for you guys

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Fikayo

Content Creator

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Frequently Asked Questions

What is Earna?

What are the requirements to open an account?

How does Earna protect my income from inflation?

What currencies does Earna support?

Where can I use my Earna Card?

Are my funds safe on Earna?

Download the Earna app

Get seamless control over your earnings — experience borderless banking on the go.

Important Notice: Earna is a financial technology company, not a bank. Banking services, including payment processing and currency conversions, are provided through licensed partners. We are fully committed to compliance with applicable regulations to ensure the privacy and security of your personal data. All contact information on this site belongs to Earna and should not be used to contact third-party service providers. Copyright © Earna 2025.

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