Vault Save now earns  4.30% APY — no minimums

Money, minus the mess.

One clean account for spending, saving, and investing. Real-time insight into every dollar, zero hidden fees, and a card that actually looks good in your wallet.

Open an account See how it works
No credit check 2-minute setup FDIC insured to $250k
Saved this month$1,204 into Vaults
Payment sentInstant · $0 fee
Portfolio up+8.4% this year
Vault
5218  ••••  ••••  4827
Card holder
I. NADIR
Expires
09 / 29
IN
Issam Nadir
Everyday · ••4827
Available balance
$,.55
+$1,204.60 this month
Add money
Send
Vaults
Recent activity View all
Whole Foods Market
Groceries · Today, 6:14pm
-$64.20
Spotify Premium
Subscriptions · Today, 9:00am
-$11.99
Payroll — Northwind Co.
Income · Yesterday
+$3,120.00
Lyft
Transport · Yesterday
-$18.45
Emergency Fund
Auto-transfer · Mon
-$200.00
$2.4Bmoved every month
1.3Mmembers and counting
4.9average App Store rating
$0hidden fees, ever
One account, three superpowers

Spend, save, and invest — all in one place

No more juggling apps and spreadsheets. Vault gives you a clear view of your whole financial life, and the tools to actually move it forward.

Spend, understood

Every purchase is instantly categorized, so you always know where your money goes — and where you can pull back.

Spending · July$2,148
Groceries$612
Transport$408
Dining$314
Shopping$221

Save on autopilot

Create Vaults for anything, set a goal, and let round-ups and rules fill them up. Earn 4.30% APY while you're at it.

Emergency Fund68%
68%funded
$6,800 of $10,000 goal
+$200 auto every Monday

Invest, simply

Buy fractional stocks and curated funds commission-free, starting from $1. No jargon, no gatekeeping.

$14,982.10+8.4% YTD
The Vault card

A card built to be seen

Contactless, metal-weighted, and ready in seconds. Freeze it, unfreeze it, or spin up a virtual card for online checkout — all from your phone.

Vault
•••• 4827
EmeraldSignature metal
Vault
•••• 3391
GraphiteMatte black
Vault
•••• 7712
SandWarm minimal
Vault
•••• 5064
MidnightDeep indigo
Bank-grade security

Your money, seriously protected

Deposits are held with our FDIC-member partner bank and insured up to $250,000. Everything else is engineered to keep you — and only you — in control.

256-bit encryption

Every session and transaction is encrypted end to end, at rest and in transit.

Biometric unlock

Face and fingerprint sign-in with device binding stops anyone but you from getting in.

Real-time alerts

Get pinged the instant your card is used, with one-tap freeze if anything looks off.

Fraud protection

24/7 monitoring and $0 liability on unauthorized charges — you're never on the hook.

FDIC insured to $250,000

Deposits held at Meridian Trust Bank, Member FDIC. Vault is a financial technology company, not a bank.

SOC 2 Type II PCI DSS Level 1 3-D Secure GDPR ready
Simple, honest pricing

Pick the plan that fits

Start free and upgrade whenever you're ready. No teaser rates, no surprise fees — cancel any time in two taps.

Free

For everyday spending

$0/month
Forever free — no catch
  • Vault debit card
  • Instant spend notifications
  • 2 savings Vaults
  • Fee-free ATM to $200/mo
Get started
Most popular

Plus

For getting ahead

$9/month
Billed monthly · cancel anytime
  • Everything in Free
  • Unlimited Vaults + 4.30% APY
  • Fee-free spending abroad
  • Commission-free investing
  • Priority human support
Start Plus

Business

For teams & founders

$29/month
Per company · unlimited seats
  • Everything in Plus
  • Team cards & spend limits
  • Accounting integrations
  • Invoicing & bill pay
  • Dedicated account manager
Talk to sales

Your cleanest account yet is 2 minutes away.

Join 1.3 million people who ditched the mess. Open your Vault account today — free, and with no credit check.

Open an account Explore features