Instant member transfers
Send money to anyone on Elvaris in seconds, any hour of the day. Always free.
Payments
Money that moves at your speed
Instant transfers to friends, free ACH, fast wires and international payments to 150+ countries, all from one place.
9:41
Send money
MTMaya Torres@mayat · Elvaris member
$120.00
Everyday Checking ••4821 · $12,236.40 available
Instant · FreeDinner and concert tickets
123456789.0
Send $120.00
Maya received $120.00
Instant · Free · Just now
Ways to pay
Every way to pay, in one place
From splitting a dinner bill to wiring a down payment, every kind of payment lives in the same app.
ACH transfers
Move money to and from other US banks at no cost. Arrives in one to two business days.
Domestic wires
Same-day wires for closings, deposits and other big moments. Free on Plus.
International payments
Pay people and businesses in 40+ currencies across more than 150 countries.
Bill pay
Schedule one-off or recurring bills, turn on autopay and get a reminder before each one.
Request and split
Request money with a link or split dinner with friends in a couple of taps.
International
Send abroad at the real rate
Pay family, freelancers and suppliers in their own currency. You see the rate, the fee and the arrival time before you press send, and you can follow every step after.
- 40+ currencies to more than 150 countries
- No fee and no FX markup on Plus
- Rate, fee and arrival time shown before you send
- Save recipients for one-tap repeat payments
Send abroad
No hidden markup
USD
US dollar
- Fee
- $2.00
- Rate
- 1 USD = 0.9214 EUR
- Arrives
- 1 business day
Illustrative rates, not live quotes.
Start a transferTracking
Watch it land, second by second
Every transfer comes with a live tracker, so you and your recipient always know where the money is.
AR
Ana Ribeiro
Lisbon, Portugal · Account ••2290
$2,000.00€1,842.80
Delivered in 7 secondsInitiated
You sent $2,000.00 from Everyday Checking.
Converted
Locked at 1 USD = 0.9214 EUR, with no markup.
Sent
Routed to Ana's bank in Lisbon.
Delivered
€1,842.80 is in Ana's account.
Upcoming bills
$6,488.85
- S
Sky Card payment
Due Nov 18 · One time
$1,842.67
Autopay on - A
Ana Ribeiro
Due Nov 26 · Monthly
$2,400.00
Autopay on - G
Greenpoint Properties
Due Dec 1 · Monthly
$2,150.00
Autopay on - C
City Power & Light
Due Dec 3 · Monthly
$96.18
Autopay on
We remind you 3 days before each payment.
Rent scheduled
Greenpoint Properties · Dec 1
−$2,150.00
Bill pay
Bills on autopilot
Schedule one-off or recurring payments, switch on autopay and get a nudge before anything leaves your account.
- Autopay for rent, utilities and card balances
- Reminders three days before each payment
- Skip or pause a payment in one tap
Transfers to other Elvaris members land instantly. ACH transfers take one to two business days and domestic wires arrive the same day. International payments arrive in one business day on Essential, or in seconds on Plus.
Illustrative daily limits are $10,000 for member transfers, $25,000 for ACH and $250,000 for wires. Business accounts can ask for higher limits from the dashboard.
On Essential, each international transfer has a flat $2.00 fee. On Plus there is no fee and no FX markup. The converter above shows the exact amount your recipient gets before you send.
Scheduled payments can be edited or cancelled any time before they go out. Instant transfers between members can't be recalled once delivered, so we show the recipient's name before you confirm.
Pick a date and how often it repeats, or turn on autopay for a bill. We remind you three days before anything leaves your account, and you can skip a single payment without cancelling the rest.
Payments are protected by 256-bit encryption, biometric sign-in and real-time fraud monitoring. Illustrative: Elvaris holds no deposits.
Send your first payment in minutes
Open an account, add a recipient and move money the same day. No minimum balance and no monthly fee on Essential.