Partner link
Jetonbank
Digital Banking
View providerJetonbank (opens in a new tab)Havana, Cuba
Compare digital bank accounts, business banking, international money transfers, currency exchange and investing services available to residents of Havana.
Featured provider links
Digital Bank Networks may earn a commission when you open an account through partner links. This does not affect the price you pay. Read our affiliate disclosure.
Partner link
Digital Banking
View providerJetonbank (opens in a new tab)Partner link
Money Transfers
View providerRemitly (opens in a new tab)Partner link
Crypto Accounts
View providerNexo (opens in a new tab)Partner link
Business Banking & Payments
View providerWorldFirst (opens in a new tab)Partner link
Business Banking & Payments
View providerRevolut Business (opens in a new tab)Partner link
Global Payments
View providerPayoneer (opens in a new tab)These are partner links and we may earn a commission. Availability, eligibility, pricing and product terms vary by provider, residency and jurisdiction. Crypto-related products are volatile and can lose value. Confirm current terms directly with each provider.
Featured banking services
The five services people in Havana compare most on Digital Bank Networks. Each one links to the providers we feature and to a full comparison for Havana.
A digital bank account lets people in Havana, Cuba open and manage an account from a phone, without visiting a branch. If you earn or spend in CUP (Cuban peso), compare whether each provider gives you local account details or only an international IBAN.
Before you sign up
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. Confirm the provider is authorised by Banco Central de Cuba (BCC) or passported into Cuba.
Business banking in Havana, Cuba covers company accounts, payment cards for staff, invoicing and paying suppliers abroad. Freelancers, startups and exporters in Havana often use a digital business account alongside a local bank.
Before you sign up
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. Ask what company documents the provider needs for a business registered in Cuba.
Money transfer services let people in Havana, Cuba send money abroad or receive it in CUP (Cuban peso). The real cost is the fee plus the gap between the provider's exchange rate and the mid-market rate, so compare both.
Before you sign up
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.
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.
Before you sign up
Check which currencies you can receive, the conversion fee to CUP (Cuban peso), and the withdrawal fee to a local account in Cuba.
Crypto accounts let people in Havana, Cuba buy, hold and in some cases earn interest on digital assets, and convert back to CUP (Cuban peso). Crypto rules differ widely by country and change often.
Before you sign up
Check whether the platform is registered with Banco Central de Cuba (BCC) or another authority that oversees crypto in Cuba. Crypto is volatile and is usually not covered by deposit protection.
Featured providers may include partner links that earn us a commission at no cost to you. Availability and terms depend on your residency in Cuba; confirm details with each provider.
Local banking essentials
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.
Check Banco Central de Cuba (BCC)(opens in a new tab)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.
Local currency: CUP (Cuban peso)
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.
Our original directory of financial services, listed category by category in editorial order. Availability, eligibility, pricing and product terms vary by provider, residency and jurisdiction. Confirm details directly with the provider.
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Global payouts and contractor payments for international teams.
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More services
Explore the remaining banking categories available in Havana.
Disclosure
Digital Bank Networks is a financial comparison platform, not a bank. We may receive compensation when users click links or open accounts with our partners. This never affects which providers we list or how we describe them. All services are provided by licensed financial institutions; availability, eligibility, pricing and product terms vary by provider, residency and jurisdiction.