Smart cards
Virtual cards in seconds, freeze with a tap and custom spending limits.
New Earn 4.2% APY on savings
Banking that works as hard as you do.
One app for spending, saving and sending money worldwide. No monthly fees, no minimums, no nonsense.
Fintra
•••• •••• •••• 7730
Card holderAlex Morgan
Expires09/29
Fintra
•••• •••• •••• 4821
Card holderAlex Morgan
Expires09/29
Total balance
$24,318.52
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Why Fintra
Everything your old bank should have done
150+ currencies
Spend and send abroad at the real exchange rate.
Savings pots
Automate saving with round-ups and earn 4.2% APY.
Spending insights
Automatic categories, budgets and monthly reports.
Instant transfers
Free, instant transfers to any Fintra user worldwide.
24/7 humans
Real people in-app, around the clock, in 12 languages.
Savings
Watch your goals grow automatically
Create pots for anything, round up every purchase and earn interest daily.
- Round-ups & scheduled transfers
- Lock pots until a date
- Share pots with friends
Tokyo trip$3,240 / $5,000
New home$18,400 / $40,000
Emergency$9,000 / $10,000
Earning 4.2% APY on all pots
4.2M
Customers
38
Countries
12B
Processed yearly
4.8★
App rating
Reviews
Loved by 4 million people
★★★★★
“I moved my salary to Fintra and finally see where every dollar goes. The savings pots are genius.”
Sarah MitchellDesigner, Austin
★★★★★
“Paying our team in 14 countries used to take two days. Now it’s ten minutes and the FX fees are tiny.”
David ChenCFO, Orbitly
★★★★★
“Instant card freeze, real-time alerts and 24/7 human support. It feels safer than my old bank.”
Emma RodriguezNurse, Chicago
Plans
Pick the plan that fits your life
Free
Everything you need to bank smarter.
$0 / month
- Free virtual & physical card
- Savings pots
- Real-time spending insights
- 2 free ATM withdrawals
Best value
Plus
More rewards, fewer fees.
$9 / month
- Everything in Free
- 1% cashback on groceries
- 4.2% APY on savings
- Fee-free FX up to $5k
- Priority support
Business
For startups and SMBs.
$29 / month
- Unlimited corporate cards
- Expense management
- Multi-currency accounts
- Accounting integrations
- Team permissions
FAQ
You ask, we answer
Yes. Deposits are held with our FDIC-member partner banks and insured up to $250,000. We use bank-grade encryption and biometric login.
The Free plan has no monthly fees, no minimum balance and no hidden charges. Premium plans add extra perks for a flat monthly price.
About 4 minutes. You’ll need a government ID and a smartphone. Most accounts are approved instantly.
Absolutely. Spend in 150+ currencies at the real exchange rate and withdraw cash fee-free up to your plan’s monthly limit.
Yes. Fintra Business includes corporate cards, expense management, multi-currency accounts and accounting integrations.
Open your account in 4 minutes
Download the app, verify your ID and you’re ready to go.