Founding membersJoin now and get KNeo Plus free for your first 12 months.
Your money deserves a smarter future.
Send money across borders, understand exchange rates and take control of your financial journey.
- First corridor
- Croatia to Nepal
- Rate data
- Nepal Rastra Bank
- Money handled by
- Licensed partners
See it before you sign up
Every euro accounted for.
The fee, the exchange-rate margin and the amount your family receives, shown separately before you commit.
- Fee shown upfront. A fixed fee that depends on your membership.
- Margin disclosed. You see the reference rate and our margin as a percentage.
- A quote you can hold. The rate stays fixed for a few minutes while you decide.
Croatia to Nepal
Indicative · Sandbox- Transfer fee
- −€1.49
- Your rate
- 1 EUR = 169.4933 NPR
Target delivery: within one business day
Reference rate: Nepal Rastra Bank, published 3 Nov 2026. Sandbox pricing for illustration. The real rate, fee and delivery time will come from our licensed partner and are confirmed before you pay.
KNeo SmartSend
Send when the rate is right, and on time.
Tell us the rate you hope for and when the money is needed. We watch the market and let you know when it's time to decide.
- 1
Set a target
Choose an amount, a target rate and the latest date your family needs the money.
- 2
We watch for you
SmartSend checks the published rate and tells you when your target is reached.
- 3
You decide
Review a fresh quote and send, or let the alert end. Urgent payments are never told to wait.
SmartSend watches the market. It never sends money on its own, and it can't guarantee a rate.
Try the plannerExchange rates
Understand the rate, not just the number.
History, trend and a realistic range of where the rate may go, in plain language and with the uncertainty shown.
30-day change
−1.73%
90-day range
169.50–179.26
Volatility
Moderate
170.3450 NPR
2026-11-03 · reference mid-rate
View data table
| Date | NPR per EUR |
|---|---|
| 2026-11-03 | 170.3450 |
| 2026-11-02 | 169.5550 |
| 2026-11-01 | 170.2000 |
| 2026-10-31 | 170.2000 |
| 2026-10-30 | 169.7550 |
| 2026-10-29 | 169.5000 |
| 2026-10-28 | 169.5450 |
| 2026-10-27 | 170.6550 |
| 2026-10-26 | 170.1850 |
| 2026-10-25 | 170.1350 |
| 2026-10-24 | 170.1350 |
| 2026-10-23 | 170.1750 |
| 2026-10-22 | 169.5650 |
| 2026-10-21 | 170.3550 |
| 2026-10-20 | 170.2350 |
| 2026-10-19 | 170.7750 |
| 2026-10-18 | 171.0400 |
| 2026-10-17 | 171.0400 |
| 2026-10-16 | 170.6100 |
| 2026-10-15 | 170.4050 |
| 2026-10-14 | 170.4650 |
| 2026-10-13 | 171.3650 |
| 2026-10-12 | 173.3850 |
| 2026-10-11 | 173.6550 |
| 2026-10-10 | 173.6550 |
| 2026-10-09 | 173.1650 |
| 2026-10-08 | 173.3550 |
| 2026-10-07 | 173.5050 |
| 2026-10-06 | 172.6550 |
| 2026-10-05 | 173.4300 |
| 2026-10-04 | 173.3500 |
| 2026-10-03 | 173.3500 |
| 2026-10-02 | 173.6500 |
| 2026-10-01 | 174.2200 |
| 2026-09-30 | 174.1000 |
| 2026-09-29 | 174.6600 |
| 2026-09-28 | 174.6400 |
| 2026-09-27 | 174.6600 |
| 2026-09-26 | 174.6600 |
| 2026-09-25 | 174.6300 |
| 2026-09-24 | 174.8150 |
| 2026-09-23 | 175.4250 |
| 2026-09-22 | 176.0000 |
| 2026-09-21 | 176.1650 |
| 2026-09-20 | 176.1750 |
| 2026-09-19 | 176.1750 |
| 2026-09-18 | 176.1350 |
| 2026-09-17 | 177.1700 |
| 2026-09-16 | 177.1450 |
| 2026-09-15 | 176.4350 |
| 2026-09-14 | 177.3500 |
| 2026-09-13 | 177.3050 |
| 2026-09-12 | 177.3050 |
| 2026-09-11 | 177.6700 |
| 2026-09-10 | 176.8900 |
| 2026-09-09 | 176.1700 |
| 2026-09-08 | 175.6850 |
| 2026-09-07 | 175.5700 |
| 2026-09-06 | 175.6400 |
| 2026-09-05 | 175.6400 |
| 2026-09-04 | 175.4450 |
| 2026-09-03 | 175.8350 |
| 2026-09-02 | 176.1300 |
| 2026-09-01 | 176.6400 |
| 2026-08-31 | 176.7750 |
| 2026-08-30 | 177.6450 |
| 2026-08-29 | 177.6450 |
| 2026-08-28 | 177.9300 |
| 2026-08-27 | 178.0900 |
| 2026-08-26 | 178.1300 |
| 2026-08-25 | 178.7000 |
| 2026-08-24 | 178.8500 |
| 2026-08-23 | 179.1800 |
| 2026-08-22 | 179.1800 |
| 2026-08-21 | 179.2600 |
| 2026-08-20 | 177.8100 |
| 2026-08-19 | 177.2750 |
| 2026-08-18 | 177.3750 |
| 2026-08-17 | 176.6250 |
| 2026-08-16 | 176.4050 |
| 2026-08-15 | 176.4050 |
| 2026-08-14 | 176.1500 |
| 2026-08-13 | 175.9700 |
| 2026-08-12 | 176.1350 |
| 2026-08-11 | 176.2350 |
| 2026-08-10 | 176.0850 |
| 2026-08-09 | 175.6150 |
| 2026-08-08 | 175.6150 |
| 2026-08-07 | 175.7950 |
| 2026-08-06 | 175.6050 |
Accounts and cards
One financial home, built with licensed partners.
Balances and cards will come from regulated e-money and card partners. We'll switch them on only when they are real.
Multi-currency balance
Hold euros and see what they're worth at home, safeguarded by an e-money partner.
Virtual and physical cards
Spend in Europe with instant notifications, freezing and replacement.
Controls that matter
Spending limits, online and contactless switches, and strong authentication.
Not available yet: each needs a licensed partner. How it will work
Membership
Start with Plus, free for 12 months.
No card needed. When the year ends you keep Plus if you're an active member, or move to Free. Never to a paid plan without asking.
KNeo Free
Everything you need to send money clearly.
€0.00
Always free
Transfer fee €2.99 · 1 rate alert
- Account and transfer history
- Standard transfer pricing
- Current rates and 90-day history
- One SmartSend alert
- Savings goals and KNeo Daily
KNeo Plus
Founding offerOur founding membership, with lower fees and deeper rate insight.
€0.00
Free for your first 12 months
Transfer fee €1.49 · 5 rate alerts
- Everything in Free
- Lower transfer fee
- One-year history and rate ranges
- Five SmartSend alerts
- Financial readiness insights
- Priority support
KNeo Pro
For people who plan their transfers carefully.
€9.90 per month
Billing not yet available
Transfer fee €0.99 · 20 rate alerts
- Everything in Plus
- Lowest transfer fee
- Twenty SmartSend alerts
- Detailed planning and accuracy history
- Monthly reports
- Priority support
Prices and fees are provisional and shown for demonstration. They will be confirmed with our licensed partner before launch.
Your financial journey
From sending money to building a future.
Over time, and only with your permission, your verified financial history could help you show lenders a clearer picture.
Earn
Your work abroad is the foundation.
Today
Send
Clear, fairly priced transfers to the people who matter.
Sandbox now
Save
Goals and an emergency fund you can watch grow.
Available
Build a record
A verified history you control and can share.
Later
Own
Fair access to loans for a vehicle, a home or a business.
Later
KNeo does not create credit scores and cannot promise loan approval. Lending decisions are made by licensed lenders, and your credibility should never depend only on how much you send through KNeo.
Trust and security
Trust is earned through how we work.
KNeo is a technology company. Your money will be handled by licensed, supervised institutions, and we'll tell you exactly who they are.
Licensed partners only
Transfers, balances and cards come from regulated institutions, never from KNeo alone.
Your money, not ours
KNeo never holds customer money in its own accounts.
Strong sign-in
Verified email, secure sessions and two-step verification.
Minimal data
Sensitive details are encrypted. Identity checks are run by a regulated provider.
Questions
Straight answers.
Is KNeo a bank?
No. KNeo is a technology company (K Holdings OÜ, Estonia). Transfers, accounts and cards will be provided by licensed banking, e-money and payment partners. We will name each partner and its licence before any regulated service goes live.
Can I send money today?
Not yet. You can register, explore exchange rates, set SmartSend alerts and try the full transfer journey in our sandbox. Sandbox transfers are clearly labelled and never move money.
Where do your exchange rates come from?
Our charts use the official reference rates published daily by Nepal Rastra Bank. They show the market but are not the price you pay. Before every transfer you see the exact rate, fee and margin.
What is SmartSend?
SmartSend watches the exchange rate for you. Set a target and a deadline and we'll tell you if it's reached. You then review a fresh quote and decide. It never sends money by itself.
What does Plus cost after 12 months?
Nothing is charged automatically, and we never ask for card details to activate Plus. When your 12 months end, you keep Plus if you meet the published activity criteria, or move to KNeo Free. We tell you 30 days in advance.
Will KNeo give me a credit score?
No. In the future, and only with your permission, your verified financial history may help you share a clearer picture with participating lenders. Credit decisions are always made by a licensed lender.
What do you do with my data?
We collect only what we need, never sell your data and encrypt sensitive details. A regulated provider handles identity checks; KNeo does not keep your documents. You can export your data or close your account in Settings.
Money moves. Life moves forward.
Create your free account in a couple of minutes. Your 12 months of Plus begin when your email is verified.