includes a personal IBAN, a free virtual Visa payment card, and an optional physical Visa card. Users can receive income or benefits, make card payments worldwide, and manage day-to-day spending with real-time balance and budgeting features. Lekka supports free SEPA transfers in many European countries, instant transfers between community members, and international remittances through its Lekka to World service. The app also enables mobile phone top-ups in numerous countries, giving users additional tools to support relatives abroad. Its services are designed for EEA and UK residents, including diasporas, refugees, students, and people in financial difficulty who need accessible everyday banking functions.