We rebuilt banking from the rails up — so your money moves in real time, earns while you spend, and grows while you sleep.
Your balance updates the instant money moves — no overnight batch, no guessing what cleared. See pending holds, scheduled payments and live FX rates the moment they happen, all from one account.
Money that settles in seconds, not days — split a bill, send across borders, or pay anyone in a single tap. Transfers run on real-time rails, so what you send is what they get, instantly, with no hidden wire fees.
Earn unlimited cashback on every purchase — no categories to track, no monthly ceiling. Rewards post to your account the moment a transaction clears, and you can sweep them straight into a vault to compound.
Round-ups, scheduled sweeps and smart rules grow your money on autopilot. Set a goal and Vaultly moves spare cash into a 4.8% APY vault or a diversified portfolio while you sleep — pause or withdraw anytime.

One account, one card, one app — secure, real-time, and fully yours in a few minutes.
Transfers settle in under 3 seconds, 24/7 — moving over $2B every month.

Earn unlimited cashback on every purchase — no categories, no caps, paid out instantly.

Built around how you actually live — pay, save, and split without the friction of legacy banking.

You expect money to move the instant you tap send — no holds, no waiting, no fine print.
When a bank can't deliver that, it isn't just behind on features — it's behind on your life.
So we built a neo-bank on modern rails — engineered to move at the speed you actually live.
Because when your money moves in the right direction, you get where you're going faster.
Every feature we ship is built to understand your money, anticipate your needs.

No paperwork, no minimums, no waiting on a branch. Just download, verify, and start moving money.