Instant transfers
Send money to any member in seconds, day or night — no cutoff times, no waiting for the next business day.
Banking, reimagined
The account that keeps up with you
Open an account in minutes, spend with a card that works everywhere, and watch your money in real time. No branches, no queues, no surprise fees — just banking that finally feels modern.
Why switch
A full bank in your pocket
Everything you'd expect from a bank, minus the branches, the paperwork, and the fees you never agreed to.
One card, everywhere
A contactless card that works in 150+ countries with the real exchange rate and no foreign fees.
Real-time insights
Every purchase is categorized the moment it happens, so you always know where your money went.
Automatic savings
Round up spare change and set aside a little from every paycheck into vaults that earn interest.
Bills on autopilot
Schedule rent, subscriptions, and split payments once, then let them run without another thought.
Perks that add up
Cashback with partner brands and referral rewards that land straight in your balance.
Security
Your money, fully protected
A bank is only as good as the trust behind it. Here's how we keep your balance and your data safe.
Deposits insured, funds ring-fenced
Your deposits are held with our regulated banking partner and protected up to the insured limit. Balances are never lent out or commingled — the money in your account is always yours, and always available.
- Deposits insured up to the regulatory limit
- Freeze and unfreeze your card instantly from the app
Regulated & licensed
We operate under full banking oversight, with your deposits held by an insured partner bank.
Encryption everywhere
TLS 1.3 in transit and AES-256 at rest. Card numbers are tokenized and never stored in plaintext.
Biometric login
Face and fingerprint unlock, plus a PIN and device binding, so only you can open your account.
24/7 fraud monitoring
Every transaction is scored in real time, and anything unusual is flagged before it clears.
Instant card controls
Freeze your card, block online payments, or set spending limits the moment you need to.
Real-time alerts
A push notification for every payment, so you'd spot an unfamiliar charge the second it happens.
Plans
Pick the account that fits
Start free and upgrade whenever you want more. No lock-in, cancel any time.
Standard
$0/ month
Everything you need for everyday money, free forever.
- Free virtual & physical card
- Instant transfers to any member
- No hidden fees
- 24/7 in-app support
Plus
$9/ month
For people who travel, save, and spend a little more.
- Fee-free spending abroad
- Metal card in three finishes
- Savings vaults at 4.2% APY
- Priority support (24h)
- Two free ATM tiers
Premium
$29/ month
For power users who want every perk and protection.
- Everything in Plus
- Worldwide travel insurance
- Higher savings rate & limits
- Dedicated account manager
- Airport lounge access
FAQ
Questions, answered
The things people ask us most before they open an account.
Banking that finally feels like now
Join the waitlist today and be among the first to open an account when we launch in your region.