Decaf

For remote workers

Get paid by companies abroad, like a local hire.

Give payroll your own USD account details for ACH or wire, or EUR details for SEPA. Your salary lands in one Decaf balance you can hold, spend, or withdraw at home.

Create a personal accountSee how it works

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Built for a monthly salary, not one-off payments.

  • Account details in your name

    Payroll pays your USD details by ACH or wire, the same way it pays domestic staff.

  • Six currencies, one balance

    Paid in euros? Share EUR details for SEPA. MXN, COP, AED, and NGN details are available too.

  • Use your salary at home

    Withdraw to your bank in 85+ markets, spend with the Decaf Visa card, or pick up cash through MoneyGram.

Virtual accounts

Payroll-ready bank details, in your name.

Get account details in the US, Europe, Mexico, Colombia, the UAE, and Nigeria. Payroll pays them like a domestic bank account, and every salary payment arrives in your Decaf balance.

How it works

From offer letter to first paycheck.

  1. 01

    Create your personal account

    Sign up and verify your identity. Account details are issued in your name once you're approved.

  2. 02

    Turn on bank transfer

    Choose the currencies payroll pays in. USD details support ACH and wire.

  3. 03

    Send the details to payroll

    Give your employer the account holder, routing, and account number, like any domestic account.

  4. 04

    Get paid every month

    Each salary payment lands in your Decaf balance. Hold it, spend it, or withdraw it.

Is Decaf right for your salary?

A good fit if

  • A company abroad pays you a regular salary or contractor fee.
  • Payroll can pay a US or European account, but not your local bank.
  • You want to hold your income in digital dollars and choose when to withdraw.
A remote professional on a phone call in her studio

Where it fits

  • Monthly salary from a US startup, paid by ACH.Bank transfer+$3,200.00
  • A quarterly bonus from a European employer, paid by SEPA.Bank transfer+$1,450.00
  • A one-off contract payment from a client in Mexico, paid by card.Card+$600.00

Remote worker salary FAQ

Ready to start?

Create a personal account

More ways people use Decaf

Give payroll your account details.

Create your personal account, turn on bank transfer, and send your employer details they already know how to pay.

Create a personal account