Your money, on your side.

One account for spending, saving, sending and investing — with 4.8% APY on savings, worldwide 0% FX, and no monthly fees.

Open your account See products
4.8% APY on savings
$0 monthly fee
FDIC insured up to $3M
Sofia ReyesPersonal · USD
Total balance
$84,392.18
▲ +$1,284.62 (2.4%) this week
Send
Add
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More
Savings pockets4.80% APY
Emergency Fund $12,400 / $15,000
Japan Trip $3,240 / $5,000
New Apartment $8,120 / $12,000
Salary received
+$6,420.00
Sent to Marie · Paris
€2,400 · 1.2s
4.80% APY on savingsCompounded daily, paid monthly. No lockups.
Metal & virtual cardsReal-time controls, category cashback up to 4%.
42 currencies · 0% FXReal interbank rate. Delivered in 1.2 seconds.
Invest from day one$0 commission on stocks, ETFs and crypto.
Banking & Savings

Grow your money at 4.80% APY.

Your checking and savings live in one account. Idle balances automatically earn interest — compounded daily, paid monthly. No lockups, no minimums.

Unlimited savings pocketsOrganize money by goal — emergency fund, travel, home, gifts. Set targets, automate transfers, watch it grow.
Get paid up to 2 days earlyDirect deposits arrive as soon as we see them — no waiting on bank processing windows.
FDIC insured up to $3MThrough our program bank partners, with sweep protection at every tier.
Open checking & savings
Savings4.80% APY
$28,140.05
+$112.34 earned this month
Emergency Fund
$12,400 / $15,000
82%
Japan Trip 2026
$3,240 / $5,000
65%
Apartment Deposit
$8,120 / $12,000
68%
Cards & Spending

Cards designed for how you actually spend.

Choose a weighted metal card for everyday, virtual cards for every subscription, and disposable cards for one-time purchases. Freeze, tune limits, and get category cashback — all from the app.

Up to 4% cashbackOn groceries, travel, dining and subscriptions. Automatic — no forms, no points to redeem.
Real-time controlsFreeze cards in one tap. Set daily limits, block categories, or generate disposable numbers.
Worldwide 0% FXMetal cardholders get unlimited fee-free spending abroad at real interbank rates.
Order your card
FutureBank
•••• •••• •••• 4820
Sofia Reyes
METAL · SINCE 2024
Visa
FutureBank
•••• •••• •••• 1174
Alex Morgan
PLUS · WORLDWIDE
Mastercard
0% FX
Lounge access
4% cashback
Payments & Transfers

Move money like it lives in one country.

Send and receive in 42 currencies at real interbank rates. Local IBANs in the US, UK, EU, Canada and Australia — from a single account. Average delivery: 1.2 seconds.

Free up to $2K/mo abroadZero markup on foreign exchange on the Plus plan. Unlimited on Metal.
Instant Send & ReceiveSend money to another FutureBank user in real time, 24/7, for free.
Automatic bill paySchedule recurring payments to any account in 38 countries.
Start sending money
Send money0.8s · 0% fee
You send
$2,500.00
USD
Marie receives
€2,318.75
EUR
Rate · 1 USD = 0.9275 EURFree
Delivery · Instant~0.8s
Confirm transfer
Investing

Invest from a single account.

Buy 8,000+ stocks, ETFs and 60+ cryptocurrencies commission-free. Fractional shares from $1. Recurring buys and dollar-cost averaging built in.

$0 commissionOn all US and international stocks and ETFs. No hidden spreads on crypto.
Fractional shares from $1Own a piece of any company — no need to buy whole shares.
Recurring buys & DCAAutomate your strategy: buy every week, every paycheck, or on the dip.
Start investing
Portfolio · 12 holdings+12.4% YTD
$142,608.94
▲ +$1,842.20 today (+1.31%)
A
AAPLApple Inc. · 42 shares
$8,124.60+2.14%
N
NVDANvidia · 18 shares
$14,240.80+3.42%
₿
BTCBitcoin · 0.42
$28,142.50-0.86%
Security & protection

Your money is protected.

Bank-grade security engineered in from day one. Real-time fraud detection, biometric authentication, and full deposit protection.

FDIC insured up to $3MThrough program bank partners with automatic sweep protection.
SOC 2 Type II · PCI-DSS Level 1Audited annually. Same standards as major banks.
Biometric & 2FAFace ID, fingerprint, and hardware security keys.
Fraud AI · 24/7Every transaction scanned by machine learning in real time.
FAQ

Common questions.

Everything you need to know before opening your personal account.

How much does a personal account cost?
Nothing. The Standard personal account is free forever — no monthly fee, no minimum balance, no overdraft. Upgraded plans (Plus, Premium, Metal) unlock more perks but are optional.
How long does it take to open?
Most personal accounts open in under 3 minutes. You'll need a valid government ID, your address, and a phone number for verification.
How does the 4.80% APY work?
Idle balances in Savings Pockets earn 4.80% APY, calculated daily and paid on the 1st of every month. No lockups, no minimums, no maximum — you can withdraw at any time.
What if I lose my card?
Freeze it instantly from the app in one tap. Order a replacement (free) that arrives in 2 business days. Meanwhile, generate virtual cards to keep spending online.
Can I use FutureBank outside the US?
Yes. Residents of 38 countries can hold, send and receive in 42 currencies. Local IBANs are available in the US, UK, EU, Canada and Australia.
Is my money safe?
Deposits are FDIC-insured up to $3M through program bank partners. FutureBank itself is SOC 2 Type II and PCI-DSS Level 1 certified, with fraud AI monitoring every transaction.
Which FutureBank plan is right for you?AI matches you with the perfect plan in under 30 seconds — free.
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 Back to home
Members3.2M+
Countries38
APY on savings4.80%
Avg. transfer time1.2s