One account.
Every currency.
Zero friction.
A modern checking account, savings vault, and a card that actually earns its keep — built for how you live now. Open in 2 minutes. Move money to 150+ countries before your coffee cools.
Pick the account that fits your life.
- Instant transfers to anyone with a BitXpress account
- Multi-currency wallet — hold USD, EUR, GBP and 12 more
- Free virtual debit card on signup
- Mid-market FX with no markup
- Everything in Checking — plus high-yield savings
- Auto-vaults: round up every spend into savings
- Priority 24/7 chat support
- Free physical metal card
- Up to 3% cashback on travel and dining
- US-routed checking — no SSN required
- Accept payouts from Stripe, Upwork, Wise, Payoneer
- Multi-currency virtual cards
- Zero foreign transaction fees
From signup to first transfer in under 3 minutes.
Tell us who you are
Email, full name, address, and a government-issued ID number. That's it. We verify in real time using regulated databases.
Get your account number
You'll see your routing and account numbers instantly. Your virtual debit card is provisioned to Apple Pay and Google Wallet in seconds.
Send your first dollar
Move money between BitXpress accounts instantly, send to any US bank, or wire internationally — all in one app.
Everything you need to move money, in one tap.
The BitXpress app is designed for the way money actually moves today — fast, mobile, borderless. No phone trees, no PINs you can't remember, no "we'll call you back".
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Real-time balance, real-time everything. No pending transactions, no waiting overnight for the clearing house.
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Instant transfers between BitXpress accounts. Free. Always. To anyone in 150+ countries.
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Card controls that actually work. Freeze, unfreeze, set merchant categories, country locks, single-use numbers — all from the home screen.
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Smart notifications, not noise. See every charge as it happens. Block fraud in two taps.
Five ways to move money. One app.
Instant Internal
Send to any BitXpress user worldwide — settles in under 3 seconds. Always free. Always.
Local Bank Transfer
ACH and faster payments to any US bank. Clears in 1–2 business days, $0 for accounts in good standing.
International Wire
SWIFT, IBAN, SEPA — 150+ countries, transparent fees, mid-market FX. Track every leg in real time.
Card-to-Card
Send to a debit card number directly. Instant settlement. Perfect for emergencies and one-off sends.
Bill Pay
Pay utilities, subscriptions, and landlords directly from your dashboard. Schedule once or set it to recur.
Request Money
Send a payment link by SMS or email. Friends pay you back from any bank, in any currency, in seconds.
Why people leave their bank for us.
Ready to move your money where it deserves to be?
FDIC-insured up to applicable limits. No paperwork. No queues. No monthly fees. Just bring an email and a photo ID.