Better banking

for immigrants,expats and you is here

As immigrants ourselves, we believeĀ banking should be tailored to our needs. Join the waitlist and help us createĀ the service you’ve been waiting for.

Rayo banking dashboard

Better banking

for immigrants,expats and you is here

As immigrants ourselves, we believeĀ banking should be tailored to our needs. Join the waitlist and help us createĀ the service you’ve been waiting for.

Fast money

transfers with great rates

Transfer money to friends and family without a hassle. We let you send money back home quickly and with great rates.

Get a credit card,

quickly

Rayo will let you apply for a credit card* right away without the hassle of needing a credit score or waiting in line at a bank branch.

*Coming soon through our affiliate partner

Great savings,

earn more

Achieve your goals sooner by opening a savings account that earns interest. With no minimum balance or fees, we make things easy so you can focus on your life. Plus, with Round-up to Savings, you save every time you spend with Rayo.

Open a U.S.Ā bank account

before you arrive

We will open your Rayo account before you get to the U.S. You can even send yourself money so it’s already here when you arrive. How’s that for convenience?

We believe that banking should be a tailored, seamless and borderless experience for everyone.

Our goal is to make life better for immigrants, expats and the underserviced by making their banking better and eliminating the constraints of other financial providers.