Live FDIC insured · Real-time rails in 150+ countries

Premium banking for modern families and global founders.
modern
Borderless. Brilliant.

Move money faster, monitor balances in real time, and access dedicated support from one secure platform.

Open an account in minutes See how it works
★★★★★ 4.9 · 28,400 reviews SOC 2 Type II No monthly fees · No minimums
18,750+
Customers
4.8B
Moved
52+
Countries
99.99%
Uptime

Banking, reassembled for how money moves now.

Every product built around the same idea: your money should be exactly where you need it, the moment you need it — borders or not.
🇺🇸
🇪🇺
🇬🇧

Send anywhere, instantly

SWIFT, IBAN and instant rails in one place. 150+ currencies, mid-market FX, no surprise fees.

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•••• 4429
BX
•••• 8821
BX
•••• 1042
BX

Cards that flex

Virtual and physical cards, multi-currency, with single-use card numbers and instant freeze.

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Banking, secured

FDIC insured. 256-bit encryption. Biometric authentication and SOC 2 Type II controls.

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Loans

Borrow on your terms — not the bank's.

Personal loans from 4.5% APR. Adjust the amount, term and repayment in real time. Pre-approval in seconds, funds in minutes.

  • Rates from 4.5% APR — fixed for the full term
  • No prepayment penalties. Pay it off anytime.
  • Soft credit check to see your rate.
Check your rate
$24,000 / 36 months
APR4.9% fixed
Monthly payment$717.42
Total of payments$25,827.12
Origination fee$0
Credit cards

A card that earns its keep.

Multi-currency by default. Earn 1.5–3% cashback on every swipe, with built-in fraud protection and instant lock.

  • Up to 3% cashback on dining, travel and groceries
  • No foreign transaction fees. Anywhere.
  • Single-use virtual numbers for online checkout
Get your card
TrustHampshire BankVISA
5412 •••• •••• 4429
Alex Morgan09 / 28

Open. Move. Done.

From "I should switch banks" to your first transfer in under 3 minutes. We're not exaggerating.

Sign up in 2 minutes

Email, name, a government-issued ID number. We verify in real time — no document uploads, no waiting around.

Get your account number

Routing + account number issued instantly. Virtual debit card lands in Apple Pay and Google Wallet in seconds.

Send your first dollar

Move money to anyone, anywhere, on any rail. Instant between BitXpress accounts, fast everywhere else.

GLOBAL REACH

One account. The whole world. Local rates.

We're connected to instant payment rails in North America, EU, UK, Singapore, UAE, Australia, and 145 more countries. Money lands like it's local — because to our partners, it is.

150+
Countries supported
15
Currencies on tap
<3s
Average internal settlement
0%
FX markup over mid-market
Global network map

Why people leave their bank for us.

Three minutes side-by-side. See the full comparison →
Feature
BITXPRESS
TRADITIONAL BANK
Open an account
2 minutes online
Days, branch visit
High-yield savings
4.85% APY
0.01% APY
International transfer FX
Mid-market, transparent
Hidden 3–6% markup
Monthly maintenance fee
$0 always
$12–35/mo with traps
FOR TEAMS

Running a business? We built the finance stack you've been gluing together.

Multi-currency accounts, instant global payouts, expense cards for your team, an API your engineers will actually thank you for. Free for 90 days on every business plan.

  • 01
    Team expense cards with per-card limits and instant freeze.
  • 02
    Batch payouts for 1 or 10,000 contractors from a single CSV or API call.
  • 03
    QuickBooks + Xero sync with ML-categorisation.
See business banking
Business dashboard preview
AS SEEN IN

Loved by the people who move money for a living.

From freelancers crossing borders to founders running global teams — BitXpress is the operating system for their cash.
★★★★★
“Northbridge helped us separate business and personal cash flow in one week. The approval flow is clear and transfers are fast.”
S
Samantha Cole
Founder, Cole Studio
★★★★★
“We process vendor payouts daily and this platform has made reconciliation far easier for our finance team.”
D
Daniel Wright
Operations Director, Harbor Freight LLC
★★★★★
“I wanted a modern bank with clear fees and reliable support. Northbridge has delivered both since day one.”
A
Amara Singh
Independent Consultant

Questions, answered.

The basics on getting started, moving money, and keeping it safe.
Accounts
How long does account approval take?
Most personal accounts are approved within one business day after identity checks are completed.
Accounts
Can I hold multiple accounts?
Yes. You can open checking, savings, and non residential accounts and manage them from one dashboard.
Transfers
Are transfers instant?
Internal transfers are immediate. External processing times depend on recipient bank rails and review requirements.
Transfers
Is there a daily transfer limit?
Yes. Limits depend on your profile tier and can be reviewed by support.
Security
How is my data protected?
We use encrypted connections, hashed credentials, and continuous monitoring to protect account activity.

See all questions →

Open your account in 2 minutes.

No paperwork, no branch visits, no minimums. Just bring an email and a photo ID — we'll handle the rest.

Open account Talk to sales →