The account that earns 4.85% on your everyday balance, releases your paycheck up to two days early, and spends in any currency at the rate banks keep for themselves. No branches. No monthly fee. No fine print written to lose you.
Settled, custodied, and insured on the rails regulated finance already runs on
Most banks pay you nothing on your balance and bank the difference. Vault puts every idle dollar to work the morning it lands, and shows you to the cent what it earned.
No tiers, no minimum balance, no 90-day teaser rate that quietly drops to 0.01%. Interest accrues daily and lands every morning — on the balance you actually spend from, not a separate savings pot you forget to fund.
We release your direct deposit the moment your employer files it, not when the calendar says payday. For most people that's two days sooner — every cycle, no opt-in.
No monthly fee, no overdraft fee, no minimum balance, no foreign transaction fee. The price of a Vault account is nothing, and it stays nothing as your balance grows.
Tap your card in Lisbon or Lagos and pay the mid-market rate with no markup. Your money converts at the rate the banks trade between themselves, not the one they sell to tourists at the airport.
Splitting a dinner, catching a sneaky subscription, freezing a lost card at midnight — the things you do constantly, finally done right.
Tap a transaction, choose who was there, and Vault sends each person a request for the exact amount. They pay from any bank, and you watch it settle back into your account in real time. No spreadsheet, no 'I'll get you next time.'
Vault spots every recurring charge, flags the ones that crept up in price, and cancels the dead ones in a tap.
Misplaced your card? Lock it instantly from your phone, then unfreeze the second it turns up in the couch cushions.
Round every purchase to the nearest dollar and tuck the change toward a goal — a trip, a deposit, a rainy day you name yourself.
Every purchase is categorized the instant it lands, so the month never ends in a guessing game about where it all went.
What a Vault account changes
“I moved my paycheck over on a Sunday and it was earning by Monday. Six months in, Vault has paid me more interest than my old bank did in nine years.”
“We split rent, groceries, and the cottage trip straight off the card. No more chasing my roommates on payday — the requests just go out and the money comes back.”
“I lost my card on a trip and froze it from the airport in about ten seconds, then paid for everything in euros with zero fee. My old bank would have charged me three different ways.”
A friendly app is the easy part. The real work is the unglamorous, serious plumbing underneath it — and that's where Vault spends most of its time.
Deposits sit at member institutions and are insured up to $250K, so your balance is protected even on our worst day.
Customer deposits are held separately from company money and are never lent against without your consent. Your balance is yours, not our working capital.
Every transaction is scored in milliseconds. We block card-testing runs cold and ask you about the odd charge before it ever clears.
Biometric login, an alert on every charge, and instant card freeze — protection that ships on, not a settings screen you'll never open.
Independent SOC 2 audits, encryption at rest and in transit, and a status page that tells the truth the minute something breaks.
Reach a real person in chat in under two minutes, any hour. No phone tree, no being handed between five departments.
The checking account, the 4.85% yield, and the card cost nothing. You pay only if you want the premium edges.
A full bank account that costs nothing.
For travelers, savers, and anyone who runs their whole life off one card.
Shared money for a household, with guardrails for the kids.
Vault is a financial technology company; your deposits are held at regulated, insured partner institutions and protected up to $250,000. Your balance is kept separate from our own funds and is never lent out without your consent.
We make money on interchange when you spend and on optional paid plans — not on monthly fees or charging you for mistakes. That lets us pass the yield straight back to you on your everyday balance, paid daily with no minimum.
Opening an account takes under four minutes from your phone. Our switch tool then finds your recurring deposits and payments and moves them across for you, so you're not updating every biller by hand.
On Free you get the real mid-market exchange rate with a small fair-use markup; on Plus, foreign transactions are completely fee-free worldwide. Either way, no surprise conversion charge buried in your statement.
Freeze it instantly from the app — no call required — and order a replacement in a tap. You keep paying through Apple Pay or Google Wallet while the new card ships.
Yes. Vault supports direct deposit, bill pay, e-transfers, and account-to-account transfers, and you get a real account and routing number for anything that still asks for one.
Open a Vault account in under four minutes and start earning 4.85% on the money you already have. No fees, no minimums, no reason to wait.