Banking at the speed of digital growth.

Open an account in minutes and spend the same day. No paperwork, no minimums, no waiting on a branch.

Open in minutes
Open in minutes
FDIC insured
FDIC insured
APY savings
4.8% APY savings
No hidden fees
No hidden fees
Fee-free
Fee-free
Send worldwide
Send worldwide
256-bit encryption
256-bit encryption
24/7 support
24/7 support

We rebuilt banking from the rails up — so your money moves in real time, earns while you spend, and grows while you sleep.

Real-Time Checking Account
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Instant Payments & Transfers
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Uncapped Card Cashback
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Automated Saving & Investing
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M
Maya Okonkwo
Personal · ····4821
Live
Total balance
$48,920.50
▲ 2.4%
Spending · this week
$1,284
M
T
W
T
F
S
S
Recent activity
🍎
Apple Store
Today · 09:24
−$129.00
💼
Salary · Acme Inc
Yesterday · 00:01
+$5,200.00
🛒
Whole Foods
Yesterday · 18:40
−$84.20
Rainy Day Vault
4.8% APY
$3,800 / $5,000
76% to goal
+ Move $200
Vaultly app dashboard
// Live right now

Thousands are switching to Vaultly as you watch.

// Choose your account
The account that pays you back
You're saving
$
1240
/yr
Starter
$0
/mo
Real-time checking
1% card cashback
Popular
Plus
$9
/mo
Uncapped 3% cashback
4.8% savings vault
Premium
$19
/mo
Everything in Plus
Priority concierge
Bank-grade protection, built into every layer
FDIC Insured
256-bit AES
SOC 2 Type II
PCI DSS
3D Secure
Biometric ID

You shouldn't need 5 apps and 12 hidden fees just to run your own money in 2026.

One account, one card, one app — secure, real-time, and fully yours in a few minutes.

Instant Money Movement

Transfers settle in under 3 seconds, 24/7 — moving over $2B every month.

Instant money movement
Uncapped Card Cashback

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

Uncapped card cashback
Built For Real Life

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

Built for real life

Your legacy bank isn't good enough anymore.

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.

// the vaultly way

We build banking with purpose. We start with where you actually want to be.

Every feature we ship is built to understand your money, anticipate your needs.

Vaultly story

Saving and investing tools that scale with you, from your first deposit to your biggest goal.

Vaultly story
Human support
Human support

Real people, ready around the clock, for the moments an app alone cannot solve.

Vaultly story
Global reach
Global reach

Spend and send across borders at real exchange rates, with no surprises on the statement.

Vaultly story
Smart by design
Smart by design

Insights that learn from your spending and quietly help you save without the busywork.

Vaultly story
Always transparent
Always transparent

Clear pricing with zero hidden fees, so you always know exactly what you pay and why.

Vaultly story
Built for everyone
Built for everyone

An account you can open in minutes, no paperwork and no minimums, whoever and wherever you are.

Vaultly story
Secure by default
Secure by default

Insured deposits and bank-grade protection with built-in regulatory safeguards.

Vaultly story
Speed with purpose
Speed with purpose

Instant transfers and payments designed around your real life, not the bank's schedule.

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Open an account in two minutes
// get started

Open a neo-bank account in two minutes.

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

Money is only truly powerful when it moves toward the life you actually want today.