Black Opal is the banking app that has your back especially if you are an expatriate and now living in the USA.


Black Opal is a financial technology company, not a bank. The Black Opal Credit Card is issued by MRV Banks, Member of FDIC.

THE CARD TRUSTED BY EXPATS
Stay in control of your money with two-factor authentication, TouchID, or FaceID. Enable instant transaction alerts, access to partner savings providers and secure your card with a tap.



CASHBACK REWARDS
Save money on gas, groceries, travel and more with Black Opal Perks. You’ll earn cash back when you pay with your Black Opal Credit Card at thousands of participating partners.



CREDIT BUILDER
Whether for gas, marketing, or travel the Black Opal Card will help build or increase your credit score with regular, onetime payments.

REACH YOUR SAVINGS GOAL WITH SENDHOME
Save money without thinking about it. Use our SendHome feature to automatically remit funds back to your home country at regular intervals.



TRANSFERS WITHOUT BORDERS
Send and exchange money fee-free in more than 190 currencies to 55+ countries. Spend abroad like a local with unbeatable exchange rates.

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Banking services provided by MRV Banks, Member FDIC. The Black Opal Credit Card and The Black Opal Realtor of America is issued by MRV Banks pursuant to a license from Visa USA Inc and may be used everywhere Visa credit cards are accepted.