FDIC-insured up to $2.5M
Money that works as hard as you do.
Spend, save and invest from one beautiful app. Earn 4.6% APY, get paid two days early and send money worldwide — with zero hidden fees.
4.9 · 120k+ App Store reviews
Good morning, Sam
Total balance
$24,830.52
+4.2% this month
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Request
Save
Spotify-$11.99
Salary · Acme+$4,200
Blue Bottle-$6.40
3.2M+
Members
4.6%
APY on savings
$0
Monthly fees
150+
Countries
One app. Every money move.
High-yield savings
Earn 4.6% APY with round-ups and automated savings goals.
Global transfers
Send to 150+ countries at the real exchange rate.
Smart cards
Virtual cards in seconds, freeze anytime.
Invest from $1
Stocks, ETFs and crypto — fractional and fee-free.
vaultly DEBIT
•••• •••• •••• 0921
vaultly METAL
•••• •••• •••• 4417
Cards that feel premium — and pay you back.
- Up to 5% cashback at 30,000+ brands
- No foreign transaction fees
- Instant virtual cards for online shopping
- Apple Pay & Google Pay ready
Bank-grade security, by default.
256-bit encryption
Your data is encrypted in transit and at rest.
Biometric login
Face ID, fingerprint and device binding.
Real-time alerts
Instant notifications for every transaction.
Pick your plan
Metal
$12/mo- Metal card with 5% cashback
- Unlimited free ATM
- Travel insurance & lounge access
- Priority 24/7 support