Membership
Useful first. Fair terms always.
Join now and get Plus free for your first 12 months. No card and no automatic charges, ever.
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.
After 12 months
What happens when the founding year ends?
Notice in advance
We tell you in the app and by email 30 days before your founding period ends.
Keep Plus if you're active
Signed in within 90 days, 4 or more completed transfers in the year, and an account in good standing. Criteria may change with notice, never retroactively.
Otherwise, Free
You move to KNeo Free. Nothing is charged, and you can switch at any time.
Memberships don't guarantee better exchange rates or credit approval. Please don't send more than you need to keep a membership.
Questions about membership
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.