Frequently Asked Questions

Find quick answers to common questions

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Getting Started

Who can apply for an Odola account?

You can apply if you are at least 18 years old, are a resident of the United States with a valid U.S. residential street address (a P.O. box alone is not enough), and have a valid U.S. Social Security Number.

Accounts are for your own personal, family, or household use only - you cannot use Odola to run a business or to hold or move money for anyone else. All applications are subject to identity verification and to our and Lead Bank's eligibility, risk, and compliance requirements.

Who can apply for an Odola account?

You can apply if you are at least 18 years old, are a resident of the United States with a valid U.S. residential street address (a P.O. box alone is not enough), and have a valid U.S. Social Security Number.

Accounts are for your own personal, family, or household use only - you cannot use Odola to run a business or to hold or move money for anyone else. All applications are subject to identity verification and to our and Lead Bank's eligibility, risk, and compliance requirements.

How do I open an Odola account?

Download the Odola app, enter your details, and follow the steps to verify your identity. Once your information is verified and approved, your account is opened and you can start using the Services.

Banking services for your account are provided by Lead Bank, Member FDIC. Odola is a financial technology company, not a bank.

How do I open an Odola account?

Download the Odola app, enter your details, and follow the steps to verify your identity. Once your information is verified and approved, your account is opened and you can start using the Services.

Banking services for your account are provided by Lead Bank, Member FDIC. Odola is a financial technology company, not a bank.

What documents are required to verify my identity?

To meet federal requirements under the USA PATRIOT Act and the Bank Secrecy Act, we collect information that identifies you, such as your name, address, date of birth, and Social Security Number. We may also ask you to provide a government-issued ID and a selfie, and we may request additional information such as your source of funds or the expected use of your account.

We verify the information you give us using government records, credit bureaus, identity-verification providers, and other lawful sources.

What documents are required to verify my identity?

To meet federal requirements under the USA PATRIOT Act and the Bank Secrecy Act, we collect information that identifies you, such as your name, address, date of birth, and Social Security Number. We may also ask you to provide a government-issued ID and a selfie, and we may request additional information such as your source of funds or the expected use of your account.

We verify the information you give us using government records, credit bureaus, identity-verification providers, and other lawful sources.

My verification is pending. What does that mean?

It means we are still reviewing the information you submitted. Most checks complete quickly, but some take longer if we need to confirm details or request more information. If we need anything else from you, we will let you know in the app.

My verification is pending. What does that mean?

It means we are still reviewing the information you submitted. Most checks complete quickly, but some take longer if we need to confirm details or request more information. If we need anything else from you, we will let you know in the app.

My application has been rejected. What happens next?

We may decline an application if eligibility, identity-verification, risk, legal, or regulatory requirements are not met. We are not always able to share the specific reason. If you believe a decision was made in error, contact us at support@odola.com and we will help where we can.

My application has been rejected. What happens next?

We may decline an application if eligibility, identity-verification, risk, legal, or regulatory requirements are not met. We are not always able to share the specific reason. If you believe a decision was made in error, contact us at support@odola.com and we will help where we can.

How do I update my personal details?

You can review and update most of your account information directly in the app. For security, we may ask you to verify your identity before making certain changes. Please keep your contact details current so you continue to receive important account and security notices.

How do I update my personal details?

You can review and update most of your account information directly in the app. For security, we may ask you to verify your identity before making certain changes. Please keep your contact details current so you continue to receive important account and security notices.

How do I enable biometric login (Face ID or fingerprint)?

You can turn on Face ID or fingerprint login in your device settings and in the app's security settings. Biometric login adds a fast, secure way to access your account. Keep your device and credentials private, and never let anyone else use your authentication methods.

How do I enable biometric login (Face ID or fingerprint)?

You can turn on Face ID or fingerprint login in your device settings and in the app's security settings. Biometric login adds a fast, secure way to access your account. Keep your device and credentials private, and never let anyone else use your authentication methods.

What devices and operating systems does the app support?

The Odola app runs on current versions of iOS and Android. To keep your account secure, please use a supported device and keep the app updated to the latest version. We may require updates for security, functionality, or compliance reasons.

What devices and operating systems does the app support?

The Odola app runs on current versions of iOS and Android. To keep your account secure, please use a supported device and keep the app updated to the latest version. We may require updates for security, functionality, or compliance reasons.

Domestic Payments

How do I send money to a U.S. bank account?

In the app, choose to send money, enter the recipient's details (including their account and routing number), enter the amount, and confirm. Depending on availability and your limits, transfers may be sent by ACH, same-day ACH, wire, or an instant payment method such as FedNow.

Make sure the recipient details are correct before you confirm — if they are wrong, your payment may be delayed or sent to the wrong account, and we may not be able to recover the funds.

How do I send money to a U.S. bank account?

In the app, choose to send money, enter the recipient's details (including their account and routing number), enter the amount, and confirm. Depending on availability and your limits, transfers may be sent by ACH, same-day ACH, wire, or an instant payment method such as FedNow.

Make sure the recipient details are correct before you confirm — if they are wrong, your payment may be delayed or sent to the wrong account, and we may not be able to recover the funds.

What details do I need to make a domestic transfer?

You will usually need the recipient's name, their bank account number, and the routing number, plus the amount you want to send. Some payment types may ask for additional information. Always double-check the details before confirming.

What details do I need to make a domestic transfer?

You will usually need the recipient's name, their bank account number, and the routing number, plus the amount you want to send. Some payment types may ask for additional information. Always double-check the details before confirming.

Can I save a recipient's details for future transactions?

Yes. Once you have paid someone, you can save their details in the app so you can pay them again quickly without re-entering everything. Always confirm saved details are still correct before sending.

Can I save a recipient's details for future transactions?

Yes. Once you have paid someone, you can save their details in the app so you can pay them again quickly without re-entering everything. Always confirm saved details are still correct before sending.

How long do bank transfers take to arrive?

Timing depends on the payment method. Instant payments may arrive within minutes; standard ACH transfers typically take one to three business days; same-day ACH and wires are faster. Timing can also be affected by cut-off times, the receiving bank, and any compliance or fraud review.

How long do bank transfers take to arrive?

Timing depends on the payment method. Instant payments may arrive within minutes; standard ACH transfers typically take one to three business days; same-day ACH and wires are faster. Timing can also be affected by cut-off times, the receiving bank, and any compliance or fraud review.

How do I view my transaction history or download a statement?

You can view your balance, transaction history, and statements in the app at any time. Statements, tax forms, notices, and other documents may be provided electronically under your E-Sign consent.

How do I view my transaction history or download a statement?

You can view your balance, transaction history, and statements in the app at any time. Statements, tax forms, notices, and other documents may be provided electronically under your E-Sign consent.

Are my funds protected?

Funds held by Lead Bank for your benefit are eligible for FDIC pass-through deposit insurance, up to applicable limits, if FDIC requirements are met. FDIC insurance protects against the failure of Lead Bank only. It does not protect against losses from fraud, unauthorized transfers, payment disputes, service interruptions, third-party failures, or any non-deposit product.

Your FDIC coverage may be reduced by other deposits you hold, directly or indirectly, at Lead Bank in the same ownership capacity.

Are my funds protected?

Funds held by Lead Bank for your benefit are eligible for FDIC pass-through deposit insurance, up to applicable limits, if FDIC requirements are met. FDIC insurance protects against the failure of Lead Bank only. It does not protect against losses from fraud, unauthorized transfers, payment disputes, service interruptions, third-party failures, or any non-deposit product.

Your FDIC coverage may be reduced by other deposits you hold, directly or indirectly, at Lead Bank in the same ownership capacity.

What happens if my payment fails?

A payment may not go through if you do not have enough available balance, if a limit has been reached, if details are incorrect, or if it is flagged for security, fraud, or compliance reasons. We will let you know in the app, and you can correct the issue and try again where possible.

What happens if my payment fails?

A payment may not go through if you do not have enough available balance, if a limit has been reached, if details are incorrect, or if it is flagged for security, fraud, or compliance reasons. We will let you know in the app, and you can correct the issue and try again where possible.

Are there any fees for domestic transactions?

Any fees that apply to your account, card, and transactions are set out in our Fee Schedule and in the disclosures shown in the app before you confirm a transaction. Third parties, such as ATM operators or other financial institutions, may charge their own separate fees.

Are there any fees for domestic transactions?

Any fees that apply to your account, card, and transactions are set out in our Fee Schedule and in the disclosures shown in the app before you confirm a transaction. Third parties, such as ATM operators or other financial institutions, may charge their own separate fees.

Cards

How do I order a physical card?

You can request a Visa debit card linked to your account in the app. The card is issued by Lead Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Once it arrives, follow the steps in the app to activate it.

How do I order a physical card?

You can request a Visa debit card linked to your account in the app. The card is issued by Lead Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. Once it arrives, follow the steps in the app to activate it.

How do I activate my virtual card?

Your virtual card is available in the app and can usually be used right away for online and mobile-wallet payments. You will see the card number, expiration date, and security code in the app. Keep these details private and never share them.

How do I activate my virtual card?

Your virtual card is available in the app and can usually be used right away for online and mobile-wallet payments. You will see the card number, expiration date, and security code in the app. Keep these details private and never share them.

How do I request a replacement card?

If your card is lost, stolen, damaged, or expiring, you can request a replacement in the app or by contacting customer support. A replacement fee may apply as set out in the Fee Schedule. If your card is lost or stolen, tell us immediately so we can protect your account.

How do I request a replacement card?

If your card is lost, stolen, damaged, or expiring, you can request a replacement in the app or by contacting customer support. A replacement fee may apply as set out in the Fee Schedule. If your card is lost or stolen, tell us immediately so we can protect your account.

How do I freeze or lock my card?

If you misplace your card or notice anything unusual, you can lock it in the app to stop new transactions, then unlock it if you find it again. If you believe your card has been lost, stolen, or used without permission, contact us right away.

How do I freeze or lock my card?

If you misplace your card or notice anything unusual, you can lock it in the app to stop new transactions, then unlock it if you find it again. If you believe your card has been lost, stolen, or used without permission, contact us right away.

International Transfers (Global Send)

What is Global Send?

Global Send is Odola's international money transfer service. It lets eligible customers send funds from their Odola account to a recipient outside the United States. For these transfers, Lead Bank, Member FDIC, is the Provider of Record (the remittance transfer provider), and Odola provides the app, customer support, and operational services. Global Send is for personal, family, or household transfers only - for example, family support, gifts, personal expenses, travel, education, or medical expenses. It cannot be used for business, commercial, investment, or other restricted purposes.

What is Global Send?

Global Send is Odola's international money transfer service. It lets eligible customers send funds from their Odola account to a recipient outside the United States. For these transfers, Lead Bank, Member FDIC, is the Provider of Record (the remittance transfer provider), and Odola provides the app, customer support, and operational services. Global Send is for personal, family, or household transfers only - for example, family support, gifts, personal expenses, travel, education, or medical expenses. It cannot be used for business, commercial, investment, or other restricted purposes.

Where can I send money to, and which payout methods are available?

Available countries, currencies, corridors, and payout methods are shown in the app. Depending on the destination, transfers may be delivered by deposit to a bank account, deposit to a mobile wallet, or cash pick-up. We may add, remove, or limit supported locations and payout methods at any time.

Where can I send money to, and which payout methods are available?

Available countries, currencies, corridors, and payout methods are shown in the app. Depending on the destination, transfers may be delivered by deposit to a bank account, deposit to a mobile wallet, or cash pick-up. We may add, remove, or limit supported locations and payout methods at any time.

How can I pay for my transfer?

International transfers are funded from your Odola account balance. When you confirm a transfer, you authorize us and Lead Bank to debit your account for the transfer amount plus any disclosed fees and taxes.

How can I pay for my transfer?

International transfers are funded from your Odola account balance. When you confirm a transfer, you authorize us and Lead Bank to debit your account for the transfer amount plus any disclosed fees and taxes.

How much can I send?

Per-transfer, daily, monthly, annual, corridor, and other limits may apply, and can vary by customer, destination country, payout method, funding source, and risk profile. Your current limits are shown in the app. We may adjust limits at any time, subject to applicable law.

How much can I send?

Per-transfer, daily, monthly, annual, corridor, and other limits may apply, and can vary by customer, destination country, payout method, funding source, and risk profile. Your current limits are shown in the app. We may adjust limits at any time, subject to applicable law.

How do I make a transfer?

Choose Global Send in the app, enter the recipient and transfer details, and review the quote. Before you confirm, we show the amount you send, the fees, the exchange rate (if currency conversion applies), and the amount the recipient will receive. When you confirm, you authorize us to debit your account and send the transfer.

How do I make a transfer?

Choose Global Send in the app, enter the recipient and transfer details, and review the quote. Before you confirm, we show the amount you send, the fees, the exchange rate (if currency conversion applies), and the amount the recipient will receive. When you confirm, you authorize us to debit your account and send the transfer.

How long will it take for the money to arrive?

Before you pay, the disclosure for your transfer states the Date Available — the date the funds will be available to your recipient. We do not use an estimated Date Available. Actual timing varies by corridor, currency, payout method, local business hours, and any required compliance review. Any general delivery range shown elsewhere in the app is for information only and does not override the Date Available on your transaction disclosure.

How long will it take for the money to arrive?

Before you pay, the disclosure for your transfer states the Date Available — the date the funds will be available to your recipient. We do not use an estimated Date Available. Actual timing varies by corridor, currency, payout method, local business hours, and any required compliance review. Any general delivery range shown elsewhere in the app is for information only and does not override the Date Available on your transaction disclosure.

How do I add a new recipient?

When you set up a transfer, you enter your recipient's details — such as their legal name, country, and bank account, wallet, or cash pick-up information, along with your relationship to them and the purpose of the transfer. You are responsible for making sure these details are accurate and complete.

How do I add a new recipient?

When you set up a transfer, you enter your recipient's details — such as their legal name, country, and bank account, wallet, or cash pick-up information, along with your relationship to them and the purpose of the transfer. You are responsible for making sure these details are accurate and complete.

Can I quickly re-send to someone I've paid before?

Yes. You can re-send to a saved recipient without re-entering all their details. Always check the recipient and transfer details, and review the new quote, before you confirm — the rate, fees, and amount received apply to that specific transfer.

Can I quickly re-send to someone I've paid before?

Yes. You can re-send to a saved recipient without re-entering all their details. Always check the recipient and transfer details, and review the new quote, before you confirm — the rate, fees, and amount received apply to that specific transfer.

Do you verify recipient account details?

Our payout partners may verify a recipient's account, wallet, or identity details before completing a transfer. If verification fails, the transfer may be delayed, rejected, or canceled. Incorrect or incomplete information can result in funds being unavailable or delivered incorrectly. Your cancellation and error-resolution rights still apply.

Do you verify recipient account details?

Our payout partners may verify a recipient's account, wallet, or identity details before completing a transfer. If verification fails, the transfer may be delayed, rejected, or canceled. Incorrect or incomplete information can result in funds being unavailable or delivered incorrectly. Your cancellation and error-resolution rights still apply.

How are Odola's exchange rates and fees set?

If your transfer involves currency conversion, we apply the exchange rate disclosed to you before you authorize payment (unless it is identified as an estimate where the law permits one). The rate may include a spread. Our fees are shown in the app before you confirm, and we show an all-in total and the amount your recipient will receive. A recipient's bank, wallet provider, cash pick-up agent, or intermediary may also charge fees, and foreign taxes may apply. We disclose known third-party fees and foreign taxes, or permitted estimates, as required by law.

How are Odola's exchange rates and fees set?

If your transfer involves currency conversion, we apply the exchange rate disclosed to you before you authorize payment (unless it is identified as an estimate where the law permits one). The rate may include a spread. Our fees are shown in the app before you confirm, and we show an all-in total and the amount your recipient will receive. A recipient's bank, wallet provider, cash pick-up agent, or intermediary may also charge fees, and foreign taxes may apply. We disclose known third-party fees and foreign taxes, or permitted estimates, as required by law.

Do quotes expire?

Yes. Exchange rates change frequently, so quotes are time-limited and expire automatically if you do not accept them within the validity window shown in the app. An expired quote must be refreshed before you proceed.

Do quotes expire?

Yes. Exchange rates change frequently, so quotes are time-limited and expire automatically if you do not accept them within the validity window shown in the app. An expired quote must be refreshed before you proceed.

Why hasn't my recipient received the money yet?

A transfer can take longer than expected because of the payout method, local business hours or holidays, a compliance or fraud review, incorrect or incomplete recipient details, or a payout-partner delay. Check the Date Available on your receipt. If funds were not available by that date, contact us — this may be an error you can report (see error resolution below).

Why hasn't my recipient received the money yet?

A transfer can take longer than expected because of the payout method, local business hours or holidays, a compliance or fraud review, incorrect or incomplete recipient details, or a payout-partner delay. Check the Date Available on your receipt. If funds were not available by that date, contact us — this may be an error you can report (see error resolution below).

How can I track my transfer?

You can follow the status of your transfer in the app. If you need help, contact Odola Support and have your transfer reference or confirmation number ready.

How can I track my transfer?

You can follow the status of your transfer in the app. If you need help, contact Odola Support and have your transfer reference or confirmation number ready.

What happens if the recipient details don't pass checks?

If recipient details cannot be verified, the transfer may be delayed, rejected, or canceled. If your account was debited for a transfer that cannot be completed, we will refund the amount required by law to your account. This does not limit your cancellation or error-resolution rights.

What happens if the recipient details don't pass checks?

If recipient details cannot be verified, the transfer may be delayed, rejected, or canceled. If your account was debited for a transfer that cannot be completed, we will refund the amount required by law to your account. This does not limit your cancellation or error-resolution rights.

Why is my transfer being held or reviewed?

Transfers are screened for sanctions, anti-money-laundering, fraud, and other compliance purposes. We may hold, delay, or review a transfer if a check is pending, if we need more information, if a limit is exceeded, or if a payout partner or corridor is unavailable. In some cases the law prevents us from telling you why a transfer was delayed, blocked, or reported.

Why is my transfer being held or reviewed?

Transfers are screened for sanctions, anti-money-laundering, fraud, and other compliance purposes. We may hold, delay, or review a transfer if a check is pending, if we need more information, if a limit is exceeded, or if a payout partner or corridor is unavailable. In some cases the law prevents us from telling you why a transfer was delayed, blocked, or reported.

Can I cancel my transfer?

You have the right to cancel a transfer for a full refund — including fees — if your request reaches us no later than 30 minutes after you pay for or authorize the transfer, and the funds have not yet been picked up or deposited into the recipient's account.

To cancel, contact us at support@odola.com or by phone at +1 (978) 765-1589 and give us enough information to identify the transfer (such as the amount, recipient, destination country, and where the funds were sent). We will refund your money within three business days of a timely, valid cancellation request.

Can I cancel my transfer?

You have the right to cancel a transfer for a full refund — including fees — if your request reaches us no later than 30 minutes after you pay for or authorize the transfer, and the funds have not yet been picked up or deposited into the recipient's account.

To cancel, contact us at support@odola.com or by phone at +1 (978) 765-1589 and give us enough information to identify the transfer (such as the amount, recipient, destination country, and where the funds were sent). We will refund your money within three business days of a timely, valid cancellation request.

What happens if my transfer fails?

If a transfer is rejected, cannot be completed, or remains unclaimed past the permitted payout period, we will refund the amount required by law to your account or by another permitted method. Refund timing and amount can depend on the funding method, payout status, currency conversion, and any third-party fees or taxes that may lawfully be deducted.

What happens if my transfer fails?

If a transfer is rejected, cannot be completed, or remains unclaimed past the permitted payout period, we will refund the amount required by law to your account or by another permitted method. Refund timing and amount can depend on the funding method, payout status, currency conversion, and any third-party fees or taxes that may lawfully be deducted.

Are there any fees for refunds or cancellations?

If you cancel within the 30-minute window and the funds have not been picked up or deposited, you receive a full refund, including fees, at no additional cost. After that window, we may attempt a recall where possible, but success is not guaranteed and third-party fees or currency-conversion differences may apply, except where the law provides otherwise.

Are there any fees for refunds or cancellations?

If you cancel within the 30-minute window and the funds have not been picked up or deposited, you receive a full refund, including fees, at no additional cost. After that window, we may attempt a recall where possible, but success is not guaranteed and third-party fees or currency-conversion differences may apply, except where the law provides otherwise.

How long does a refund take to appear?

For a timely, valid cancellation, we provide the refund within three business days of your request. For other refunds, timing depends on the funding method, payout status, and any partner return timing. Refunds are usually credited back to your Odola account.

How long does a refund take to appear?

For a timely, valid cancellation, we provide the refund within three business days of your request. For other refunds, timing depends on the funding method, payout status, and any partner return timing. Refunds are usually credited back to your Odola account.

How do I report a problem or error with a transfer?

You can report an error by app, by email at support@odola.com, or by phone at +1 (978) 765-1589.

You must contact us within 180 days of the date the funds were disclosed to be available to your recipient. We will determine whether an error occurred within 90 days of your notice and report the results to you within three business days of completing our investigation. If an error occurred, we will correct it as required by law.

How do I report a problem or error with a transfer?

You can report an error by app, by email at support@odola.com, or by phone at +1 (978) 765-1589.

You must contact us within 180 days of the date the funds were disclosed to be available to your recipient. We will determine whether an error occurred within 90 days of your notice and report the results to you within three business days of completing our investigation. If an error occurred, we will correct it as required by law.

What details should I provide when reporting a transfer issue?

Please tell us your name and address or phone number; the recipient's name and, if known, their phone number or address; the transfer reference or confirmation number; why you believe there is an error; and, if you can, the date and amount of the transfer. You do not need to use any specific wording to protect your error-resolution rights.

What details should I provide when reporting a transfer issue?

Please tell us your name and address or phone number; the recipient's name and, if known, their phone number or address; the transfer reference or confirmation number; why you believe there is an error; and, if you can, the date and amount of the transfer. You do not need to use any specific wording to protect your error-resolution rights.

Security and Regulation

Is Odola regulated?

Odola Inc. is a financial technology company, not a bank. Banking services — your account, your Visa debit card, and approved payment and money-movement services — are provided by Lead Bank, Member FDIC, a Missouri state- chartered bank. Odola acts as Lead Bank's program manager and service provider. For international money transfers, Lead Bank is the Provider of Record and remittance transfer provider. These services are subject to federal consumer-protection laws, including the Electronic Fund Transfer Act and the Remittance Transfer Rule, and are overseen by regulators including the Consumer Financial Protection Bureau (CFPB) and the Missouri Division of Finance.

Is Odola regulated?

Odola Inc. is a financial technology company, not a bank. Banking services — your account, your Visa debit card, and approved payment and money-movement services — are provided by Lead Bank, Member FDIC, a Missouri state- chartered bank. Odola acts as Lead Bank's program manager and service provider. For international money transfers, Lead Bank is the Provider of Record and remittance transfer provider. These services are subject to federal consumer-protection laws, including the Electronic Fund Transfer Act and the Remittance Transfer Rule, and are overseen by regulators including the Consumer Financial Protection Bureau (CFPB) and the Missouri Division of Finance.

How is my money protected?

Funds held by Lead Bank for your benefit are eligible for FDIC pass-through deposit insurance, up to applicable limits, if FDIC requirements are met. Those funds are held in custodial or for-benefit-of accounts and are not Odola's property. FDIC insurance protects against the failure of Lead Bank only — it does not cover fraud, unauthorized transfers, disputes, or non-deposit products.

How is my money protected?

Funds held by Lead Bank for your benefit are eligible for FDIC pass-through deposit insurance, up to applicable limits, if FDIC requirements are met. Those funds are held in custodial or for-benefit-of accounts and are not Odola's property. FDIC insurance protects against the failure of Lead Bank only — it does not cover fraud, unauthorized transfers, disputes, or non-deposit products.

What should I do if I suspect fraud or unauthorized activity?

Contact us immediately if you believe your login credentials, device, card, account, email, or phone number has been lost, stolen, or used without permission, or if you see a transaction you did not make. You can reach us in the app, by email at support@odola.com, or by phone at +1 (978) 765-1589. Acting quickly helps limit any loss.

What should I do if I suspect fraud or unauthorized activity?

Contact us immediately if you believe your login credentials, device, card, account, email, or phone number has been lost, stolen, or used without permission, or if you see a transaction you did not make. You can reach us in the app, by email at support@odola.com, or by phone at +1 (978) 765-1589. Acting quickly helps limit any loss.

What are my protections if someone makes transfers without my permission?

Federal law (the Electronic Fund Transfer Act and Regulation E) limits your liability for unauthorized electronic fund transfers if you tell us in time. If you tell us within two business days after you learn of the loss or theft of your card or access information, you can lose no more than $50. If you wait longer, you could lose as much as $500. If your statement shows transfers you did not make and you do not tell us within 60 days after the statement was made available, you may not get back money lost after that period, if we could have stopped the loss had you told us in time. These are summaries. Full error-resolution procedures and any additional rights are set out in the Bank Agreements and the disclosures provided with your account.

What are my protections if someone makes transfers without my permission?

Federal law (the Electronic Fund Transfer Act and Regulation E) limits your liability for unauthorized electronic fund transfers if you tell us in time. If you tell us within two business days after you learn of the loss or theft of your card or access information, you can lose no more than $50. If you wait longer, you could lose as much as $500. If your statement shows transfers you did not make and you do not tell us within 60 days after the statement was made available, you may not get back money lost after that period, if we could have stopped the loss had you told us in time. These are summaries. Full error-resolution procedures and any additional rights are set out in the Bank Agreements and the disclosures provided with your account.

What should I do if I think I've been scammed or my account has been hacked?

Contact us right away so we can help secure your account and investigate. If money was moved without your authorization, the unauthorized-transfer protections above may apply. If you were tricked into authorizing a payment yourself, we will try to help and may attempt to recover the funds where possible, but recovery is not guaranteed. Report scams and account takeovers as early as you can.

What should I do if I think I've been scammed or my account has been hacked?

Contact us right away so we can help secure your account and investigate. If money was moved without your authorization, the unauthorized-transfer protections above may apply. If you were tricked into authorizing a payment yourself, we will try to help and may attempt to recover the funds where possible, but recovery is not guaranteed. Report scams and account takeovers as early as you can.

How can I protect myself from online fraud?

Keep your login credentials, passcodes, and one-time codes private, and never share them — not even with someone claiming to be from Odola. Use a supported device with the latest app version, be cautious of unexpected requests to send money, and turn on security alerts. Odola will never ask you to share your full password, PIN, or one-time codes.

How can I protect myself from online fraud?

Keep your login credentials, passcodes, and one-time codes private, and never share them — not even with someone claiming to be from Odola. Use a supported device with the latest app version, be cautious of unexpected requests to send money, and turn on security alerts. Odola will never ask you to share your full password, PIN, or one-time codes.

What should I do if I lose my card or device?

Lock your card in the app if you can, and contact us immediately so we can protect your account. If your device is lost or stolen, change your credentials and let us know, so we can watch for unauthorized activity.

What should I do if I lose my card or device?

Lock your card in the app if you can, and contact us immediately so we can protect your account. If your device is lost or stolen, change your credentials and let us know, so we can watch for unauthorized activity.

Do you work with banks and other third-party providers?

Yes. Banking services are provided by Lead Bank, Member FDIC. We also work with service providers for identity verification, fraud prevention, sanctions screening, card processing, cross-border payouts, cloud hosting, and customer support. These providers are bound by contract to protect your information and use it only to provide services to us or as the law permits.

Do you work with banks and other third-party providers?

Yes. Banking services are provided by Lead Bank, Member FDIC. We also work with service providers for identity verification, fraud prevention, sanctions screening, card processing, cross-border payouts, cloud hosting, and customer support. These providers are bound by contract to protect your information and use it only to provide services to us or as the law permits.

How do you protect my personal information?

We use administrative, technical, and physical safeguards that comply with federal law, including encryption in transit and at rest, multi-factor authentication, role-based access controls, vendor due diligence, monitoring, employee training, and incident-response procedures. Our Privacy Notice explains how we collect, use, share, and protect your information. No security program is perfect, and we cannot guarantee absolute security.

How do you protect my personal information?

We use administrative, technical, and physical safeguards that comply with federal law, including encryption in transit and at rest, multi-factor authentication, role-based access controls, vendor due diligence, monitoring, employee training, and incident-response procedures. Our Privacy Notice explains how we collect, use, share, and protect your information. No security program is perfect, and we cannot guarantee absolute security.

What is Know Your Customer (KYC), and why do you need my ID?

Federal law requires financial companies to verify the identity of every person who opens or uses an account. This helps prevent fraud, money laundering, and other financial crime. To meet these requirements under the USA PATRIOT Act and Bank Secrecy Act, we verify your identity and may ask for documents and additional information.

What is Know Your Customer (KYC), and why do you need my ID?

Federal law requires financial companies to verify the identity of every person who opens or uses an account. This helps prevent fraud, money laundering, and other financial crime. To meet these requirements under the USA PATRIOT Act and Bank Secrecy Act, we verify your identity and may ask for documents and additional information.

How does Odola prevent money laundering and financial crime?

We and Lead Bank screen customers, transactions, and recipients against U.S. and applicable international sanctions, politically exposed person, adverse-media, fraud, and financial-crimes lists, and we monitor activity on an ongoing basis. We may delay, decline, block, freeze, reverse, report, or close transactions or accounts where required or appropriate to comply with the law.

How does Odola prevent money laundering and financial crime?

We and Lead Bank screen customers, transactions, and recipients against U.S. and applicable international sanctions, politically exposed person, adverse-media, fraud, and financial-crimes lists, and we monitor activity on an ongoing basis. We may delay, decline, block, freeze, reverse, report, or close transactions or accounts where required or appropriate to comply with the law.

How do you handle sanctions and politically exposed person (PEP) screening?

You, your transactions, and your recipients are screened against sanctions, PEP, and related lists at onboarding and on an ongoing basis. We may take any action we reasonably determine is required or appropriate, and in some cases the law prevents us from explaining why a transaction was delayed, blocked, or reported.

How do you handle sanctions and politically exposed person (PEP) screening?

You, your transactions, and your recipients are screened against sanctions, PEP, and related lists at onboarding and on an ongoing basis. We may take any action we reasonably determine is required or appropriate, and in some cases the law prevents us from explaining why a transaction was delayed, blocked, or reported.

Do you report transactions to regulators?

Where required or permitted by law, we and Lead Bank report information to authorities such as FinCEN, OFAC, state regulators, and law enforcement, including under the Bank Secrecy Act and sanctions programs. These reports may be made without notice to you when the law requires.

Do you report transactions to regulators?

Where required or permitted by law, we and Lead Bank report information to authorities such as FinCEN, OFAC, state regulators, and law enforcement, including under the Bank Secrecy Act and sanctions programs. These reports may be made without notice to you when the law requires.

Do you share my information with third parties?

We share information only as permitted or required by law, with parties such as Lead Bank, payment and card networks, processors, service providers, regulators, and law enforcement. We do not sell your personal information, and we do not share it with non-affiliated companies for their own marketing. Full details are in our Privacy Notice.

Do you share my information with third parties?

We share information only as permitted or required by law, with parties such as Lead Bank, payment and card networks, processors, service providers, regulators, and law enforcement. We do not sell your personal information, and we do not share it with non-affiliated companies for their own marketing. Full details are in our Privacy Notice.

What privacy rights do I have?

You can opt out of marketing communications at any time, manage cookies and device permissions through your settings, and review and update most account information in the app. Depending on your state of residence, you may have additional rights, such as the right to know, access, delete, or correct certain personal information. To exercise a privacy right, contact us at privacy@odola.com.

What privacy rights do I have?

You can opt out of marketing communications at any time, manage cookies and device permissions through your settings, and review and update most account information in the app. Depending on your state of residence, you may have additional rights, such as the right to know, access, delete, or correct certain personal information. To exercise a privacy right, contact us at privacy@odola.com.

How long do you keep my information?

We keep your information while your account is open and for at least five years after it closes, or longer where the law requires or permits — for example, the Bank Secrecy Act requires certain records to be kept for at least five years. We may also retain information for fraud prevention, dispute resolution, audits, and other legitimate purposes.

How long do you keep my information?

We keep your information while your account is open and for at least five years after it closes, or longer where the law requires or permits — for example, the Bank Secrecy Act requires certain records to be kept for at least five years. We may also retain information for fraud prevention, dispute resolution, audits, and other legitimate purposes.

What happens to my money if Odola changes ownership or stops operating?

Your funds are held by Lead Bank, not by Odola. Odola may transfer its agreement to a successor, acquirer, service provider, or another sponsor bank or licensed provider in connection with a business transaction, subject to the law and any required notices. Any such change will not reduce the rights you already have for completed transactions or your non-waivable rights under the law.

What happens to my money if Odola changes ownership or stops operating?

Your funds are held by Lead Bank, not by Odola. Odola may transfer its agreement to a successor, acquirer, service provider, or another sponsor bank or licensed provider in connection with a business transaction, subject to the law and any required notices. Any such change will not reduce the rights you already have for completed transactions or your non-waivable rights under the law.

How are complaints handled?

If you have a complaint, contact us in the app or by email at complaints@odola.com, and we will respond in line with our procedures and applicable law. If your complaint relates to your account, card, or a bank service, you may also contact Lead Bank using the details in the Bank Agreements. For international transfers, you may also contact the Consumer Financial Protection Bureau (CFPB) at 1-855-411-2372 or the Missouri Division of Finance at (573) 751- 3242.

How are complaints handled?

If you have a complaint, contact us in the app or by email at complaints@odola.com, and we will respond in line with our procedures and applicable law. If your complaint relates to your account, card, or a bank service, you may also contact Lead Bank using the details in the Bank Agreements. For international transfers, you may also contact the Consumer Financial Protection Bureau (CFPB) at 1-855-411-2372 or the Missouri Division of Finance at (573) 751- 3242.

How do I know I'm using a legitimate Odola service?

Download the Odola app only from the official Apple App Store or Google Play, and access our website at odola.com. We will never ask you to share your full password, PIN, or one-time codes. If you are unsure about a message or request, contact us directly at support@odola.com.

How do I know I'm using a legitimate Odola service?

Download the Odola app only from the official Apple App Store or Google Play, and access our website at odola.com. We will never ask you to share your full password, PIN, or one-time codes. If you are unsure about a message or request, contact us directly at support@odola.com.

Your Account

How do I add funds to my Odola account?

You can add money to your account using the methods available in the app, such as an ACH transfer from a linked external account. When you link an external account, you confirm that you own it or are authorized to use it. We do not accept cash.

How do I add funds to my Odola account?

You can add money to your account using the methods available in the app, such as an ACH transfer from a linked external account. When you link an external account, you confirm that you own it or are authorized to use it. We do not accept cash.

Will I earn interest on my balance?

No. Your account is non-interest-bearing unless the app or your Bank Agreement expressly states otherwise. You will not receive interest on funds held by Lead Bank for your benefit unless that is expressly disclosed to you.

Will I earn interest on my balance?

No. Your account is non-interest-bearing unless the app or your Bank Agreement expressly states otherwise. You will not receive interest on funds held by Lead Bank for your benefit unless that is expressly disclosed to you.

How do I close my account?

You can close your account at any time in the app or by contacting customer support, subject to any pending transactions, holds, investigations, legal obligations, and amounts you owe. We will return any remaining available funds in accordance with applicable law and the Bank Agreements.

How do I close my account?

You can close your account at any time in the app or by contacting customer support, subject to any pending transactions, holds, investigations, legal obligations, and amounts you owe. We will return any remaining available funds in accordance with applicable law and the Bank Agreements.

How do I contact Odola Support?

You can reach us in the app, by email at support@odola.com, or by phone at +1 (978) 765-1589.

How do I contact Odola Support?

You can reach us in the app, by email at support@odola.com, or by phone at +1 (978) 765-1589.

Money made simple.

The money app for your global life. Send money home and spend with confidence, all with customer support normally reserved for the wealthy.

Copyright © 2026 Odola Inc. All Rights Reserved.


Odola Inc. is a financial technology company, not a bank. Odola is not FDIC-insured. The Odola account is provided by Lead Bank, Member FDIC. The Odola Visa® debit card is issued by Lead Bank, Member FDIC, and provides access to funds in your Odola account.

Funds in your Odola account are held at Lead Bank in a custodial account established for the benefit of Odola customers. If the applicable conditions are satisfied, those funds are eligible for FDIC deposit insurance on a pass-through basis, up to the standard maximum deposit insurance amount of $250,000 per depositor, per ownership category, if Lead Bank fails.

Pass-through coverage is not automatic. It applies only if applicable legal and recordkeeping requirements are met. These include that your funds must be on deposit at Lead Bank; Lead Bank's deposit account records must show that the funds are held in a fiduciary or custodial capacity for Odola customers; records maintained by Lead Bank, Odola, or another party in the ordinary course of business must identify each customer and each customer's balance; and the relationship supporting pass-through coverage must be genuine. Odola and Lead Bank maintain records and reconciliation controls to support these requirements.

Your FDIC insurance coverage is shared across all deposits you hold at Lead Bank in the same ownership category. If you also hold deposits at Lead Bank directly or through another program that uses Lead Bank, those balances are added to your Odola account balance for purposes of the $250,000 limit.

Funds may not be FDIC-insured before they are received by Lead Bank, after they leave Lead Bank, or while they are otherwise not deposits at Lead Bank.

To learn more about FDIC deposit insurance, visit fdic.gov or use the FDIC's Electronic Deposit Insurance Estimator (EDIE) at edie.fdic.gov.

The Odola Visa® Debit Card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc. Visa and the Visa Brand Mark are registered trademarks of Visa International Service Association. Lead Bank is a licensed user.

Money made simple.

The money app for your global life. Send money home and spend with confidence, all with customer support normally reserved for the wealthy.

Copyright © 2026 Odola Inc. All Rights Reserved.

Odola Inc. is a financial technology company, not a bank. Odola is not FDIC-insured. The Odola account is provided by Lead Bank, Member FDIC. The Odola Visa® debit card is issued by Lead Bank, Member FDIC, and provides access to funds in your Odola account.

Funds in your Odola account are held at Lead Bank in a custodial account established for the benefit of Odola customers. If the applicable conditions are satisfied, those funds are eligible for FDIC deposit insurance on a pass-through basis, up to the standard maximum deposit insurance amount of $250,000 per depositor, per ownership category, if Lead Bank fails.

Pass-through coverage is not automatic. It applies only if applicable legal and recordkeeping requirements are met. These include that your funds must be on deposit at Lead Bank; Lead Bank's deposit account records must show that the funds are held in a fiduciary or custodial capacity for Odola customers; records maintained by Lead Bank, Odola, or another party in the ordinary course of business must identify each customer and each customer's balance; and the relationship supporting pass-through coverage must be genuine. Odola and Lead Bank maintain records and reconciliation controls to support these requirements.

Your FDIC insurance coverage is shared across all deposits you hold at Lead Bank in the same ownership category. If you also hold deposits at Lead Bank directly or through another program that uses Lead Bank, those balances are added to your Odola account balance for purposes of the $250,000 limit.

Funds may not be FDIC-insured before they are received by Lead Bank, after they leave Lead Bank, or while they are otherwise not deposits at Lead Bank.

To learn more about FDIC deposit insurance, visit fdic.gov or use the FDIC's Electronic Deposit Insurance Estimator (EDIE) at edie.fdic.gov.

The Odola Visa® Debit Card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc. Visa and the Visa Brand Mark are registered trademarks of Visa International Service Association. Lead Bank is a licensed user.



Money made simple.

The money app for your global life. Send money home and spend with confidence, all with customer support normally reserved for the wealthy.

Copyright © 2026 Odola Inc. All Rights Reserved.


Odola Inc. is a financial technology company, not a bank. Odola is not FDIC-insured. The Odola account is provided by Lead Bank, Member FDIC. The Odola Visa® debit card is issued by Lead Bank, Member FDIC, and provides access to funds in your Odola account.

Funds in your Odola account are held at Lead Bank in a custodial account established for the benefit of Odola customers. If the applicable conditions are satisfied, those funds are eligible for FDIC deposit insurance on a pass-through basis, up to the standard maximum deposit insurance amount of $250,000 per depositor, per ownership category, if Lead Bank fails.

Pass-through coverage is not automatic. It applies only if applicable legal and recordkeeping requirements are met. These include that your funds must be on deposit at Lead Bank; Lead Bank's deposit account records must show that the funds are held in a fiduciary or custodial capacity for Odola customers; records maintained by Lead Bank, Odola, or another party in the ordinary course of business must identify each customer and each customer's balance; and the relationship supporting pass-through coverage must be genuine. Odola and Lead Bank maintain records and reconciliation controls to support these requirements.

Your FDIC insurance coverage is shared across all deposits you hold at Lead Bank in the same ownership category. If you also hold deposits at Lead Bank directly or through another program that uses Lead Bank, those balances are added to your Odola account balance for purposes of the $250,000 limit.

Funds may not be FDIC-insured before they are received by Lead Bank, after they leave Lead Bank, or while they are otherwise not deposits at Lead Bank.

To learn more about FDIC deposit insurance, visit fdic.gov or use the FDIC's Electronic Deposit Insurance Estimator (EDIE) at edie.fdic.gov.

The Odola Visa® Debit Card is issued by Lead Bank pursuant to a license from Visa U.S.A. Inc. Visa and the Visa Brand Mark are registered trademarks of Visa International Service Association. Lead Bank is a licensed user.