A checking account, credit-building tools, and international transfers — designed for eligible newcomers. Banking services to be provided through a partner bank.
The standard answer at most U.S. banks. Even with valid ID and a job, you're stuck cashing checks at corner stores at 5% a pop.
Sending money home through traditional channels often comes with high fees and unfavorable exchange rates — money that should be reaching your family disappears in the middle.
Renting an apartment, financing a vehicle, or qualifying for a card all hinge on credit history. Years of on-time rent payments often go unrecognized.
A checking account and debit card through a partner bank. SSN not required for many applicants. Identity verification and partner-bank approval required.
Send money home with the exchange rate, fees, delivery time, and exact amount your recipient gets shown before you confirm. International transfers will be provided through a licensed money-transmission partner.
Report rent and eligible utility payments to credit bureaus. On-time payments may help build credit history. Results vary and are not guaranteed.
Set up your employer in one tap. Eligible direct deposits may be available up to 2 days early when payroll funds are received. Timing depends on your employer's payroll provider.
Submit a photo of your ID and a quick selfie. We accept government-issued IDs from a range of countries. Identity verification required.
Eligible applicants receive a virtual debit card after approval, with a physical card to follow. Approval times vary based on verification.
Set up direct deposit. Report eligible rent payments. Send money internationally with transparent fees. Vamos.
Built for people the traditional financial system has overlooked — with the disclosures, transparency, and partner-bank protections you deserve.
Join the waitlist and be among the first to apply when we launch. No monthly maintenance fee on eligible accounts. Other fees may apply.