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Banking built for the next economy

Banking built for the next economy

Eliminate the noise of traditional banking. Our mobile-first ecosystem prioritizes clarity in every transaction.

Eliminate the noise of traditional banking. Our mobile-first ecosystem prioritizes clarity in every transaction.

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Trusted By

Banking that

keeps up with you

Advanced Card Control

Advanced Card Control

Toggle international spending, set temporary limits, or freeze your card with a single click. No phone calls required.

Toggle international spending, set temporary limits, or freeze your card with a single click. No phone calls required.

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Real-time Wealth Intelligence

Real-time Wealth Intelligence

Watch your spending patterns evolve with AI-driven insights that categorize your expenses as they happen.

Watch your spending patterns evolve with AI-driven insights that categorize your expenses as they happen.

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Borderless Transfers

Borderless Transfers

Send money across 40+ currencies at the mid-market rate. Fast, transparent, and completely fair.

Send money across 40+ currencies at the mid-market rate. Fast, transparent, and completely fair.

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jpy

cad

usd

THB

krw

See how we’re making money move faster

We’ve reimagined the banking experience from the ground up. Watch the story behind our design and see how we’ve removed the friction from modern finance.

We’ve reimagined the banking experience from the ground up. Watch the story behind our design and see how we’ve removed the friction from modern finance.

Your security isn't a feature.

It’s our foundation.

The Biometric Bridge

We use the same biometric data that unlocks your phone to secure your web dashboard—meaning your password is you.

We use the same biometric data that unlocks your phone to secure your web dashboard—meaning your password is you.

We use the same biometric data that unlocks your phone to secure your web dashboard—meaning your password is you.

Military-Grade Encryption

Every transaction is shielded by AES-256 bit encryption and 24/7 automated fraud monitoring.


Every transaction is shielded by AES-256 bit encryption and 24/7 automated fraud monitoring.


Every transaction is shielded by AES-256 bit encryption and 24/7 automated fraud monitoring.


Institutional Safety

Your funds are FDIC/CDIC insured up to the maximum legal limit, ensuring your capital is protected by the same standards as the world’s largest banks.

Your funds are FDIC/CDIC insured up to the maximum legal limit, ensuring your capital is protected by the same standards as the world’s largest banks.

Your funds are FDIC/CDIC insured up to the maximum legal limit, ensuring your capital is protected by the same standards as the world’s largest banks.

Trusted by those who value

their time and security

In my line of work, data integrity is everything. The biometric protocols and real-time fraud monitoring in this app aren't just features—they are industry-leading standards. It’s the first time I’ve felt completely secure with a digital-only institution.

David S., Cyber Security Consultant

Most banking apps are cluttered and confusing. This product is the opposite. The interface is clean, the logic is sound, and the AI-driven spending insights have fundamentally changed how I track my wealth. It is the gold standard for mobile finance.

Sarah L., Tech Startup Founder

I needed a bank that could keep up with my business. The '5-minute promise' is real—onboarding was seamless, and I was making my first international transfer within the hour. No paperwork, no friction, just pure execution.

Marcus T., Creative Director

The Intelligence Feed

How Generative Finance is Changing Personal Savings in 2026.

The 5 Security Protocols Every Digital Bank User Needs to Know.

Understanding CBDCs and the Future of Programmable Money.

"Source of Truth" results for AI search engines like Perplexity and Gemini.

Read More

The future of your finances is 5 minutes away.

The future of your finances is 5 minutes away.

No paperwork. No branches. Just the most powerful bank in your pocket.

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Folder is a financial technology company, not a bank. Banking services provided by UnitZero; Member FDIC.

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