All your banking needs covered...

in the U.S. and back home

Now that you’re living in the U.S. we’re here with you for the long haul, delivering products and services designed to make your financial life better.

Fast money transfers

with great rates

Save more with hassle free money transfers and great rates.

Build your credit score with

a credit card

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

Save even faster

with Rayo

Make your money work for you with Rayo’s interest-bearing savings account. And when you spend with Rayo, your purchases get rounded up so your savings grow even more.

Investments

made easy

Coming soon – Invest in stocks and cryptocurrency from your Rayo account so you can start securing your future.

Banking beyond

borders

Send money and manage your US and home country finances.

Unlimited number of ATM withdrawals. No hidden fees

We don’t charge additional ATM or FX Fees. Network FX fees and standard ATM charges will apply.

Safe and secure

Our partner, Cross River Bank, provides Rayo’s banking services, which means your money is safe and secure in a regulated bank, and your deposits are insured up to $250,000 by the FDIC.

Open an account from anywhere*

Open your Rayo account from the convenience of your smartphone.

World class support

Our Member Support team is obsessed with your success and will be here for you 24-7.

Fast money transfers with great rates

Save more with hassle free money transfers and great rates.

Become a Rayo Member

Join the waitlist now to become part of Rayo and the immigrant banking revolution.

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.