Financial products and services that help immigrants

every step of the way

We are immigrants ourselves and we know that banking for immigrants needs to be better. We are building a comprehensive banking experience that will delight customers from the time they start planning their move to when they are thriving in the U.S.

Rayo has you covered

Before you arrive

Pre-arrival account opening

Access to the Rayo Knowledge Base and relocation help

No minimum balance

After you arrive

Apply for a credit card immediately**

Fast money transfers with great rates

Interest-bearing savings account, FDIC insured

Investment account*

Unlimited number of ATM withdrawals

Manage your home country and U.S. finances

Features for life

Founding Member benefits

Immigrant Help Center & Knowledge Base

Interest-bearing savings account, FDIC insured

Investment account*

No hidden fees

Round-up to Savings on purchases

World class member support

Premium Membership option

*Coming soon
**Coming soon through our affiliate partners

How Rayo stacks up against others

Rayo

Others

Founding Member benefits




Pre-arrival account opening




Debit card ready when you arrive




Apply for credit card immediately




Interest-bearing savings account




No minimum balance




FDIC insured up to $250,000




Safe and secure




Fast money transfers with great rates




No hidden FX fees




No added ATM fees




Unlimited number of ATM withdrawals




Manage US and home country finances




Investment account**




World class member support




Fair and transparent




Immigration help center & Knowledge Base




Round-up to savings on purchases




Become

a Rayo Member

Join the waitlist now for the ultimate banking experience for immigrants. Whether you’ve already moved or about to move to the U.S., Rayo is here to help manage your global financial life.