How can I get paid from abroad in Havana?

A global payment account gives you account details in currencies such as USD, EUR or GBP, so clients and marketplaces can pay you locally in their country. You then convert to CUP and withdraw.

What does it cost to convert to CUP?

Costs are the conversion margin plus any withdrawal fee to your local bank in Cuba. Compare both, as they vary a lot between providers.

Who regulates international bank accounts & e-wallets in Havana?

Providers serving customers in Cuba fall under Banco Central de Cuba (BCC). Cuba's banking sector is state-owned and the Banco Central de Cuba licenses the small number of state banks (such as Banco de Crédito y Comercio (BANDEC) and Banco Metropolitano) and non-bank financial institutions. There is no open licensing regime for private digital banks or foreign fintech providers; any provider claiming to hold Cuban retail deposits outside the state system should be treated with extreme caution.

Who uses global payment accounts in Havana?

Freelancers, remote workers, online sellers and small exporters in Havana use them to receive foreign income without opening bank accounts abroad.

Havana Digital Bank · International Bank Accounts & e-Wallets · Cuba

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Compare international bank accounts & e-wallets providers available to Havana, Cuba residents — with clear fees, features, and eligibility in one place.

Eligibility, pricing, and availability vary by provider, residency, and regulation in Cuba. Confirm the terms directly with each provider before opening an account.

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Check the regulator and any provider directly to confirm availability in Cuba before opening an account.

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International Bank Accounts & e-Wallets in Havana: what to know

Global payment accounts help people in Havana, Cuba get paid by clients, marketplaces and platforms in other countries, then convert the money into CUP (Cuban peso). They are popular with freelancers, online sellers and remote workers in Havana.

Currency in Cuba: CUP · Cuban peso
Regulator in Cuba: Banco Central de Cuba (BCC)(opens in a new tab)
Local accounts in Cuba: Cuba does not use the IBAN scheme: Cuban bank accounts are addressed with a 20-digit bank account number (branch code, account type and client number) assigned by the state bank, and international transfers additionally require the bank's SWIFT/BIC plus correspondent routing, which is heavily constrained.
Payments in Cuba: Cuba remains a largely cash-based, dual-track economy: after the 2021 monetary reform the CUC convertible peso was phased out, but informal exchange between state-set and market CUP rates, and de facto USD pricing in many transactions, remain everyday realities. Domestic payments run through state banks' Transfermóvil app and the state-run ATM/card network (red BANDEC/BankFin), while international transfers are constrained by the US embargo and limited correspondent banking, so diaspora remittances typically move via licensed remittance agencies or informal channels. Honest summary: there is no real-time interbank retail rail comparable to other countries' systems, and card acceptance is limited outside Havana.

Before you sign up in Havana

Check which currencies you can receive, the conversion fee to CUP (Cuban peso), and the withdrawal fee to a local account in Cuba.

Sources: Banco Central de Cuba · Transfermóvil · IBAN registry: countries without IBAN

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Frequently Asked Questions

Common questions about international bank accounts & e-wallets in Havana

Disclosure: Digital Bank Networks is not a bank. We are an independent comparison platform. Some of the providers on this page are our affiliate partners, and we may receive compensation when you open an account through our links. This does not affect our ratings or rankings, which are based on independent analysis. All information is provided for educational purposes only. Please review each provider's terms and conditions before opening an account.