FDIC-insured · Est. 2026
Bankingthatfinallykeepsup.
The mobile bank for people who expect more — instant transfers, smart budgeting and up to 4.2% on savings, all in one beautifully simple app.
Total balance
$0.60
This week
+12.4%
Apple Store
Shopping
Salary — Vela Inc
Income
Whole Foods
Groceries
Transfer sent
✓ Instant
Savings APY
4.20%
Trusted by teams at
How it works
Open an account before your coffee's cold.
01
Open in 3 minutes
Sign up with your ID and a selfie. No paperwork, no branch, no wait.
02
Fund your account
Add money by card or bank transfer and get your virtual card instantly.
03
Spend & grow
Pay anywhere, earn up to 4.2% on savings and track every cent live.
Instant transfers
Move money in seconds, not days. Free between Vault accounts, worldwide — with real-time FX at the mid-market rate.
Smart budgeting
Auto-categorised spending, live insights and goals that adapt. Vault tells you where the money went before you ask.
Bank-grade security
256-bit encryption, biometric login and instant card freeze. Your deposits are protected up to $250k.
Built by bankers. Designed for humans.
A team from the world's biggest banks, obsessed with making money feel effortless — and completely transparent.
Meet the team →$0B
Moved in 2026
0M+
Accounts opened
0%
Uptime
4.9 / 0★
App rating
Plans for every wallet.
No hidden fees. Cancel or switch any time.
Basic
$0/mo
Everything to bank day to day.
- ✓Free virtual card
- ✓Instant transfers
- ✓Spending insights
- ✓$0 monthly fee
Plus
$8/mo
For people who move money often.
- ✓Everything in Basic
- ✓Metal debit card
- ✓Fee-free global spend
- ✓2.5% savings APY
- ✓Priority support
Premium
$18/mo
The full private-banking suite.
- ✓Everything in Plus
- ✓4.2% savings APY
- ✓Airport lounge access
- ✓Dedicated advisor
- ✓Travel & phone insurance