4.60% APY* on All Individual & Joint Cash Plus Accounts

Up to 5.67% APY: Liquid Treasury Bills. FDIC Insured¹
Choose State:
% APY
Calculate Yours
No Monthly Fees. No Minimum or Maximum Balance
Send Cheaper, Faster Payments to 150 countries²

Say goodbye to checking and savings—hello to Bivo Cash Plus Accounts. All cash earns high yield—receive payroll, pay bills, save and earn. Free wires, instant payments & ACH. Unlimited cash secured with full faith and credit of the US government. Member: SEC, FINRA & SPIC.

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Experience Uncompromised Excellence

Up to 5.67% APY High Yield

Cash Plus Account options: FDIC insured, Liquid Treasury Bills (save state tax), and money market¹.

Every Dollar Earns Income

Earn industry leading high yield on all cash in all your operating and investment accounts. No exclusions.

International Payments

Smart, cheaper and faster way for international payments to 150 countries. Send millions via local payments.²

Individual & Joint Accounts

Supporting individuals and families. Cash Plus Accounts to receive payroll, savings and investments.

Free ACH, Wires, Instant Pay

Free transfers - ACH, wires, instant RTP/FedNOW with same day availability. Move cash easily and efficiently.

Integrate Existing Accounts

Seamlessly move funds between your existing accounts and Bivo’s platform. Experience powerful features before committing.

Seemless Cash Plus Options

Easily invest in individual Treasury Bills, government & corporate bonds, mutual funds, and stocks via user friendly interface.

Save on State Income Tax

Earn high yields on Treasury Bills with no state income tax and backed by the full faith and credit of the US government.

No Hidden Fees

Reimagine an experience with no monthly fees, minimum balances or hidden fees.

Why Choose Bivo?

MEET ALL YOUR ACCOUNT NEEDS

ONLY PRIMARY ACCOUNT YOU NEED: Up to 5.67% APY

Receive payroll deposit and earn industry leading high yield on all your cash - no exclusions.

Support individual and joint accounts.

Enjoy convenient free transfer - ACH, wires, instant RTP/FedNow.

INDUSTRY LEADING HIGH YIELD

MULTIPLE HIGH YIELD OPTIONS

Earn industry-leading high yield on all cash without compromising flexibility. Cash Plus Account options include:

a) FDIC insured, backed by the full faith and credit of the US government through partner banks.

b) Liquid Treasury Bills. Save on state income tax while enjoying peace of mind knowing that all your cash is backed by the full faith and credit of the US government;

c) choice of money market option.

SAVE BIG ON FEES

FREE TRANSFERS - ACH, Wires, INSTANT PAY

Enjoy fee-free ACH, domestic wires, instant RTP/FedNOW. Our platform's flexible automation saves you time, allowing you to focus on what matters most.

Send payments to 150 countries for less

International Payments with Ease

Sending money internationally has never been easier. Our user-friendly platform lets you send payments to your family and loved one in over 100 countries. Our systems are designed to instantly move large amounts in local currency.

Our FX exchange rates are among the best in the industry.

TRY BEFORE COMMITTING

Integrates with Existing Accounts

Easily link your existing bank accounts to Bivo and seamlessly move funds to start earning high yields instantly. Maximize your savings with options like FDIC insured, Liquid Treasury Bills, or money market while enjoying the flexibility to manage your finances effortlessly.

Explore Bivo’s advanced features before fully committing to ensure it meets your personal financial needs.

SIMPLIFY FINANCES TOGETHER

Individual & Joint Accounts

Bivo is designed to support both individuals and families with comprehensive financial tools. Manage all your financial needs seamlessly with Cash Plus Accounts that consolidates payroll deposits, savings, and investments.

Whether you’re tracking personal finances, planning for the future, or managing household expenses, Bivo provides the flexibility and high-yield returns you need.

OUR MISSION: REDUCE FEES & INCREASE INCOME

No Hidden Fees

At Bivo, our goal is to help you keep more of your hard-earned money while growing your financial resources.

When we say no hidden fees, we mean it. Enjoy the freedom of no monthly maintenance fees, no minimum balance requirements, and no surprise charges. Our transparent pricing ensures you always know what to expect, allowing you to focus on achieving your financial goals without unnecessary costs. With Bivo, every dollar you save goes further.

WE'VE GOT YOUR BACK

Trustworthy Support

Reach out to our reliable support team via in-app chat, phone, or email. Your financial concerns are our priority.

YOUR SECURITY, OUR PRIORITY

Enhanced Security & Safeguards

End-to-end encryption and robust data measures help safeguard your cash and personal data.

Real-time transaction monitoring safeguards your account.

Two-factor authentication ensures enhanced security.

Get Started Today

Tired of how long it takes to open an account? Bivo has simplified the process — it takes less than a minute to get started.

Resources

Call Us

(844) 322-6462

Write to Us

support@bivocash.com

Investing in securities products involves risk and you could lose money.

Bivo Cash Plus Accounts are offered by Bivo Financial LLC, (“Bivo”) a broker-dealer registered with the Securities and Exchange Commission (SEC). Bivo is a member of the Financial Industry Regulatory Authority (FINRA), and Securities Investor Protection Corporation (SIPC).

1. Bivo provides Cash Plus Accounts with the following high-yield options (i) FDIC insured with partner banks, (ii) U.S. Treasury Bills, or (iii) money market funds.

* Rates as of 4/11/25. The FDIC insured option offers a 4.60% APY for the first three months for new customers, followed by a competitive 4.30% APY thereafter—one of the best rates available today.

Cash Plus Accounts with FDIC insured option, backed by the full faith and credit of the US Government through partner banks.

Liquid Treasury Bills option offers 4.40% APY and up to 5.67% APY effective yield with state income tax savings and is based on 37% Federal income tax and 13.30% state income tax. Please use the calculator provided to calculate your effective APY. Bivo does not provide legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

Cash Plus Accounts with Liquid Treasury Bills option backed by the full faith and credit of the US Government.

Money market options offer high yield of up to 4.30% APY.

Annual percentage yield (APY) is variable and subject to change. The national average savings account interest rate is reported by the FDIC (as of December 16, 2024) as the average annual percentage yield (APY) for savings accounts.

SIPC currently protects the assets in securities accounts at Bivo up to $500,000 (including $250,000 for claims for cash). Please see https://www.sipc.org/ for more information. Funds in FDIC insured option are not subject to SIPC protection, and eligible for FDIC insurance, backed by the full faith and credit of the US Government, through partner banks.

Money Market Fund Disclosure: Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Commission-free trading refers to $0 commissions charged on trades of US listed registered securities placed during the US Markets Regular Trading Hours in self-directed brokerage accounts offered by Bivo. Keep in mind that other fees such as regulatory fees, trade fees, auto investment fee, and paper statement fees may apply to your account. Please see Fee Schedule to learn more.

2. Certain payment services including international payments may be provided by Bivo Inc. (NMLS #2572288). Bivo Inc. is a licensed money transmitter and an affiliate of Bivo.