Round-ups that add up
Every card purchase rounds up to the next dollar and drops the change into a Vault. Coffee money quietly becomes trip money.
Learn morePersonal and business banking
Banking you can count on.
Checking, savings and lending in one secure online bank. See every account, pay bills and move money from a single place.
- 256-bit encryption
- 24/7 fraud monitoring
- No monthly fees
All balances are play money
Good morning, Alex
Secure session
Total balance
$55,680.22
Across 3 accounts
- Transfer
- Pay bills
- Deposit
- Statements
Accounts
Everyday Checking
•••• 4821
$12,480.22
High-Yield Savings
•••• 9032 · 4.10% APY
$38,200.00
12-Month CD
•••• 1175 · 4.50% APY
$5,000.00
Recent activity
Northwind Studio payroll
Direct deposit
+$3,240.00
City Power & Light
Bill pay
−$112.40
Transfer to savings
Internal transfer
−$500.00
One app
Everything your money needs, in one place
Spend, save, send and borrow without juggling five apps and three logins.
Spend & get paid early.
Get your paycheck up to two days early with direct deposit, and spend with a debit card you can freeze in one tap.
Explore checkingSky Card, 2% back.
Earn 2% back on every purchase with no annual fee and no foreign transaction fees.
Meet the Sky CardSavings that grows itself.
Earn 4.10% APY, split money into Vaults and let round-ups fill them for you.
Explore savingsSend money anywhere.
Instant transfers between members, free ACH and wires to 150+ countries at the real exchange rate.
Explore paymentsInsights that make sense.
See where every dollar goes with clean categories and a monthly recap you'll actually read.
See how it worksEveryday banking
Small things that add up to a lot
Thoughtful features that quietly save you time and money.
Split a bill in seconds
Pick the people, tap request and Elvaris does the math. You'll see who has paid without a single reminder text.
Learn moreFreeze a card instantly
Misplaced your wallet? Freeze your card in one tap and unfreeze it just as fast once it turns up in your coat pocket.
Learn moreFee-free ATMs everywhere
Find a fee-free ATM near you right in the app, at home or on the road.
Learn moreI moved my paycheck, my savings and my side business over in one afternoon. For the first time, I actually know where my money is.
- Members across the country
- 1.2M+
- Members across the country
- Average app rating
- 4.9
- Average app rating
- Monthly fees, ever
- $0
- Monthly fees, ever
Figures are illustrative. Elvaris holds no deposits.
Get started
Open an account in minutes
No branch visits, no paperwork, no minimum deposit.
- Step01
Tell us about you
Your name, email and a few basics. Most people are through this part in about two minutes.
- Step02
Verify in a tap
Scan your photo ID, then a quick look at the camera. No printouts, no branch, no waiting.
- Step03
Start spending
Your virtual card is ready the moment you're approved. Add it to your phone and go.
Inês Duarte
Lisbon · EUR account
You send
$1,000.00
They get
€921.40
Rate 1 USD = 0.9214 EURFee $0.00Arrives in seconds
Global payments
Send money across the world at the real rate
Pay family abroad, freelancers and suppliers in 40+ currencies. You see the exact amount they'll receive before you hit send.
- Free instant transfers between Elvaris members
- No FX markup on Plus
- Track every transfer in real time
Elvaris Business
Built for business, too
Run payroll, pay bills and give your team cards from the same calm dashboard.
Cards for every teammate
Issue a card in seconds, set a limit per person and see every swipe as it happens.
Team cardsBills, approved in a tap
Invoices land in one inbox. Approve, schedule or decline without leaving your phone.
Bill payCredit that scales with you
Lines of credit up to $250,000 with decisions in minutes. Draw only what you need.
Business creditMoney should feel calm. No hidden fees, no fine-print games, no waiting on hold. Just a clear view of what you have and the tools to help it grow.
Security
Protection you can feel in every tap
256-bit encryption
Every balance, transfer and message is encrypted in transit and at rest.
Real-time fraud monitoring
We watch for unusual activity around the clock and stop it before it reaches you.
Freeze in one tap
Misplaced your card? Freeze it instantly from the app, and unfreeze it just as fast.
Illustrative: Elvaris holds no deposits.
Elvaris in numbers
Illustrative figures
- members
- 1.2M+
- members
- average app rating
- 4.9
- average app rating
- APY on savings
- 4.10%
- APY on savings
- monthly fees
- $0
- monthly fees
Stories & guides
From the Journal
01 / 05
Ready for a calmer way to bank?
Open an account in minutes. No minimum balance, no monthly fees, and a real person whenever you need one.