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Cross-border
Money across borders, untangled.
Hi there — if you send money home, move funds between your own accounts abroad, or file taxes in more than one place, this one's for you.
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≈ 6%
The global average cost to send money home. Orbiq surfaces what yours actually cost — spread and all.
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01 · Remittance & transfer detection
Moved money isn't spending
Orbiq recognizes when a charge is a remittance or a transfer — not spending — using merchant flags, currency mismatches, and pattern checks. Your spending totals stop getting inflated by money you simply moved.
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02 · Transfer pairing & Inbox
Two sides, counted once
Move $500 out of one account and into another and Orbiq pairs the two sides into a single transfer — so it counts once, not twice. Anything it can't auto-match lands in the Transfer Inbox for a quick one-tap confirm.
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03 · Ask in plain language
Just ask. Get an answer.
“How much did I spend on groceries last quarter?” “What did I send home this year?” The assistant reads your own data and answers in plain English — no filters to fiddle with, no reports to build.
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04 · Cross-border tax helpers
Honest records, ready at tax time
Living between countries makes tax time harder. Orbiq pulls together the cross-border numbers — what you moved, when, and at what exchange rate — so you (and your accountant) have honest records ready when you need them.
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Ask Orbiq a question →
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Tip
Check the Transfer Inbox after a busy month — confirming a few pairs keeps your spending totals honest and your transfers from double-counting.
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You're getting this because you opted in to Orbiq product updates. We only email about new features and tips — never your financial data.
Follow r/financial_orbiq for community updates — release notes, the reasoning behind changes, and somewhere to tell us when we get it wrong.
© 2026 FINARO CAPITAL SERVICES INC. Orbiq™ is a product of FINARO CAPITAL SERVICES INC. All rights reserved. Built in Toronto for people living between countries.
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