meLa - The First Ethiopian Disapora banking—now live in all 50 US states

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Make Your Finances
Truly Yours

No borders. No middlemen. No limits. Just your money — working for you.

Bank globally in USD

Bank globally in USD

USD account works in 180 + countries.

Funds never lent out—eliminates bank‑run risk.

Live agents in Amharic, Tigrigna, Oromiffa & English.

USD account works in 180 + countries.

Funds never lent out—eliminates bank‑run risk.

Live agents in Amharic, Tigrigna, Oromiffa & English.

Connect. Pay. Thrive.

Connect. Pay. Thrive.

Fund your account from anywhere. Send money to friends. Spend like a local wherever you are. This isn’t a workaround — it’s your financial freedom.

Fund your account from anywhere. Send money to friends. Spend like a local wherever you are. This isn’t a workaround — it’s your financial freedom.

How it works

Your USD account for a borderless financial life — secure, smart, and globally connected.

Create Your Global USD Account

Sign up from anywhere in minutes thru Mela Bank — no U.S. address or SSN required. Just your ID, a selfie, and you're verified.

Create Your Global USD Account

Sign up from anywhere in minutes thru Mela Bank — no U.S. address or SSN required. Just your ID, a selfie, and you're verified.

Create Your Global USD Account

Sign up from anywhere in minutes thru Mela Bank — no U.S. address or SSN required. Just your ID, a selfie, and you're verified.

Spend Freely, Get Paid Globally

Receive payments from global clients, platforms like Upwork, or directly from your U.S. employer. Spend with your Mela Visa debit card, online or in-store, or add it to Apple Pay or Google Wallet.

Spend Freely, Get Paid Globally

Receive payments from global clients, platforms like Upwork, or directly from your U.S. employer. Spend with your Mela Visa debit card, online or in-store, or add it to Apple Pay or Google Wallet.

Spend Freely, Get Paid Globally

Receive payments from global clients, platforms like Upwork, or directly from your U.S. employer. Spend with your Mela Visa debit card, online or in-store, or add it to Apple Pay or Google Wallet.

Spend anywhere. From wherever you are.

Get a Mela Visa debit card — ready to use online, in-store, or in your mobile wallet. Order a physical card delivered to your door, wherever you are.

Spend anywhere. From wherever you are.

Get a Mela Visa debit card — ready to use online, in-store, or in your mobile wallet. Order a physical card delivered to your door, wherever you are.

Spend anywhere. From wherever you are.

Get a Mela Visa debit card — ready to use online, in-store, or in your mobile wallet. Order a physical card delivered to your door, wherever you are.

Track, Learn & Grow Smarter

See all your accounts in one view. Mela gives you real-time insights, budgeting help, and smart suggestions based on your unique spending habits — like Mint, but smarter and global.

Track, Learn & Grow Smarter

See all your accounts in one view. Mela gives you real-time insights, budgeting help, and smart suggestions based on your unique spending habits — like Mint, but smarter and global.

Track, Learn & Grow Smarter

See all your accounts in one view. Mela gives you real-time insights, budgeting help, and smart suggestions based on your unique spending habits — like Mint, but smarter and global.

Receive Personalised Insights

Get tailored tips and detailed spend analysis based on your unique financial behavior.

Receive Personalised Insights

Get tailored tips and detailed spend analysis based on your unique financial behavior.

Receive Personalised Insights

Get tailored tips and detailed spend analysis based on your unique financial behavior.

Why choose MeLa?

Why choose MeLa?

Why choose MeLa?

Mela isn’t just another neobank. It’s the USD account for the world’s underserved, overlooked, and unstoppables.

Bank in USD, Anywhere.

Hold, spend, and get paid in USD with a single Visa debit & credit card.

We speak your language — literally. Our localized support teams understand your

context and care about

your outcome.

Truly Global, Born Inclusive

We serve freelancers, diaspora, and entrepreneurs — starting with the Ethiopian diaspora and expanding globally.

High-Grade Security

Biometric login, instant card lock, and 100 % reserve safeguarding.

Smarter Financial Visibility

Track all your accounts in one place. Personalized tips, spending insights, and budgeting tools tailored to you — not built for someone else.

FAQs

Who can open a Mela account?

Anyone globally — freelancers, entrepreneurs, diaspora, or consultants — starting with the Ethiopian community. No SSN or U.S. address required.

Who can open a Mela account?

Anyone globally — freelancers, entrepreneurs, diaspora, or consultants — starting with the Ethiopian community. No SSN or U.S. address required.

Who can open a Mela account?

Anyone globally — freelancers, entrepreneurs, diaspora, or consultants — starting with the Ethiopian community. No SSN or U.S. address required.

How do I add money to my Mela account?

How do I add money to my Mela account?

How do I add money to my Mela account?

Where can I use the Mela debit card?

Where can I use the Mela debit card?

Where can I use the Mela debit card?

Can I receive payments from Upwork, PayPal, or clients?

Can I receive payments from Upwork, PayPal, or clients?

Can I receive payments from Upwork, PayPal, or clients?

Download MeLa

Experience a financial app that adapts to your lifestyle and preferences

Download the app

Download MeLa

Experience a financial app that adapts to your lifestyle and preferences

Download MeLa

Experience a financial app that adapts to your lifestyle and preferences

Download the app