Banking, redefined.

This is your bank, made modern. Powerful daily banking, global reach in 42 currencies, and the freedom to move money in seconds — from a single account.

Explore products
4.9 · 128K reviews
3.2M+ members
in 38 countries
Personal
For everyday life
Explore Personal
Travel
Business
Invest
Payments
Freelance
Dining
Nights out
Cafés
Backed & trusted by
AmazonTeslaMicrosoftGoogleMetaNvidiaNetflixApple
0M+
Active members worldwide
$0B
Processed annually
0
Supported currencies
0%
Platform uptime · SLA
Everything you need

One account. Every financial tool you'll ever open.

Spending, savings, cards, investments, transfers, and business tools — engineered to work together in a single, quiet interface.

Instant payments,
in every direction.

Move money in 1.2 seconds on average — locally or across 42 currencies. No wire windows, no cutoff times, no surprises.

Sent to Marie · Paris€2,400 · 0% fee
1.2s
DELIVERED
Stripe payoutRecurring · Weekly
+$18,240
JUST NOW
FX to GBP · £1,850Real interbank rate
0.8s
INSTANT
Traveling with FutureBank

Cards designed to travel.

Weighted metal, virtual for subscriptions, disposable for one-offs. Worldwide 0% FX and lounge access included on Plus.

Team meeting

Built for teams too.

From two-person startups to 500-person operations. Roles, budgets, cards and books that finally play nice.

Smart accounts

Pockets that organize your money by goal — 4.8% APY on idle balances.

Invest from day one

Stocks, ETFs and crypto commission-free. Fractional shares from $1.

Multi-currency

Hold, send and receive in 42 currencies at real interbank rates.

Biometric security

Face ID, fingerprint and per-transaction approval.

Powered by AI

Not sure where to start?

Our AI can match you with the right account, card, and plan in under 30 seconds — free, no signup needed.

Real people · Real money

Moments we're proud to power.

From your morning coffee to your first apartment. From your side hustle to your Series A. FutureBank shows up for the moments that matter.

Travel

0% FX in 42 currencies.

From Tokyo to Lisbon at real interbank rates — never a surprise on your statement.

Business

Founders welcome.

Open your business account in 8 minutes.

Cashback earned
$24M

Given back to our members in the last 12 months. On coffee, groceries, travel and everything in between.

Freelance

Get paid, faster.

Direct deposits arrive up to two days early.

Personal

"It just feels quieter."

— Sofia R., designer, Barcelona

Dining

4% back on dining.

Automatic. No forms, no points to redeem.

Everyday

Built for how you actually spend.

Real-time notifications, category insights, subscription tracking — all in one place.

Personal · Cards

A card that works the way you spend.

Choose between the weighted metal card or the standard black card. Both come with worldwide 0% FX, real-time notifications and category-based cashback.

Up to 4% cashbackAutomatic rewards on groceries, travel, dining and subscriptions.
Freeze, lock, tune — from the appSet daily limits, block categories or freeze a card in a single tap.
Priority Pass lounge accessUnlimited visits to 1,300+ airport lounges worldwide.
Order your card
Hand holding a card
FutureBank
•••• •••• •••• 4820
Sofia Reyes
METAL · MEMBER SINCE 2024
Mastercard
FutureBank
•••• •••• •••• 1174
Alex Morgan
SILVER · WORLDWIDE
Visa
Products

Purpose-built products, in one account.

Switch between checking, savings, investing and business tools without opening a new app.

A checking account with zero fees.

No monthly fees, no minimums, no overdraft charges. Get paid up to two days early with direct deposit and earn 4.8% APY on idle balances.

  • 4.8% APY on savings pockets
  • $0 monthly fee, $0 minimum
  • Get paid up to 2 days early
  • FDIC insured up to $3M
Get started
Checking · Main account
Active
$84,392.18
+$1,284.62 this week
Salary · Nova LabsToday, 09:14
+$6,420.00
A
AmazonToday, 07:22
-$124.80
U
Uber RideYesterday
-$18.40

Grow your money at 4.8% APY.

High-yield savings pockets, no lockups. Automate transfers, round-ups and paycheck splits — watch balances compound daily.

  • Compounded daily, paid monthly
  • Unlimited savings pockets
  • Rules-based automation
  • No hidden fees, ever
Get started
Savings · 3 pockets
4.80% APY
$28,140.05
+$112.34 earned this month
Emergency
$12.4K
+$48.20
Travel
$8.1K
+$31.50
Home
$7.6K
+$32.64
Auto-transferWeekly · Friday
+$250.00
R
Round-upsThis week
+$14.62

Invest with zero commission.

Trade 8,000+ US and international stocks, ETFs and crypto from the same app. Fractional shares from $1, real-time execution.

  • $0 commission on stocks and ETFs
  • 60+ crypto assets, self-custody optional
  • Recurring buys and DCA
  • Advanced charts and screeners
Get started
Portfolio · 12 holdings
+12.4% YTD
$142,608.94
+$1,842.20 today (+1.31%)
A
AAPLApple Inc. · 42 sh
+2.14%
N
NVDANvidia · 18 sh
+3.42%
BTCBitcoin · 0.42
-0.86%

Business banking, engineered for operators.

Open a business account in minutes. Corporate cards, expense management, bill pay and multi-user access — no visits, no fax.

  • Open in under 8 minutes online
  • Unlimited corporate cards
  • Roles, budgets and audit logs
  • Integrations with QuickBooks, Xero, Stripe
Start business
Business · Nova Labs Inc.
Verified
$428,240.62
Runway · 14.2 months
MRR
$62.4K
+18.4%
Burn
$28.1K
+3.2%
Cards
32
Active
Stripe payoutToday · Recurring
+$18,240.00
AWS
Amazon Web ServicesCorp. card · 4820
-$3,412.90
Global money

Move money like it lives in one country.

Send, receive and hold 42 currencies at the real interbank exchange rate. Local IBANs in the US, UK, EU, Canada and Australia — from a single account.

42Currencies supported
1.2sAvg. transfer time
0%FX up to $2K/mo
Start sending
Circuit
Security & compliance

Bank-grade security, engineered in.

FutureBank is built on the same infrastructure standards as the world's largest financial institutions — with modern cryptography, real-time fraud detection and independent audits.

FDIC insured up to $3MThrough our program bank partners
SOC 2 Type IIAudited annually, PCI-DSS Level 1
Biometric & 2FAFace ID, fingerprint and hardware keys
Fraud AI · 24/7ML monitoring on every transaction
Loved by 3.2M members

What people are saying.

Rated 4.9 on the App Store and Play Store. Here's a small sample.

Sofia Reyes
"
FutureBank replaced three apps I was juggling. My checking, savings and stocks live in one place — and it just feels quieter.
Sofia ReyesProduct Designer · Barcelona
Marcus Chen
"
We opened our business account in 8 minutes. Corporate cards, spend controls, Stripe payouts — the first bank that gets how founders operate.
Marcus ChenCo-founder · Nova Labs
Amelia Rivers
"
I move money between three countries every week. FutureBank pays for itself in FX savings — plus the app is genuinely enjoyable to use.
Amelia RiversFreelance CFO · London
FAQ

Common questions.

Everything you need to know before opening your account. Can't find what you're looking for? Chat with us 24/7.

Is FutureBank a real bank?
FutureBank is a financial technology company. Banking services are provided by our program bank partners, all of which are FDIC-insured. Your deposits are protected up to $3M through our sweep program.
How long does it take to open an account?
Most personal accounts are opened in under 3 minutes. Business accounts typically take 8 minutes and require additional verification for beneficial owners.
Are there any hidden fees?
No. Standard has no monthly fee, no minimum balance and no overdraft. Foreign exchange is free up to $2,000/month on Plus and unlimited on Business. All fees are visible in-app before any transaction.
How does the 4.8% APY work?
Idle balances in any of your Savings Pockets earn 4.8% APY, calculated daily and paid monthly. There are no lockups, no minimums and no maximum — you can withdraw at any time.
Can I use FutureBank outside the US?
Yes. We currently support residents of 38 countries. You can hold, send and receive in 42 currencies. Local IBANs are available in the US, UK, EU, Canada and Australia.
How secure is my money?
We are SOC 2 Type II and PCI-DSS Level 1 certified. Every transaction is scanned by our fraud AI in real time, and biometric authentication is required for sensitive actions. Deposits are FDIC-insured up to $3M through partner banks.
Open account · 3 minutes

Ready to bank differently?

Join 3.2M members using FutureBank as their primary financial home. No monthly fees, no paperwork, no waiting rooms.

Open your account
No credit check FDIC insured Cancel anytime
Card shipped in 2 days
4.8% APY from day 1