Up to 5.61% APY High-Yield on All Business and Individual Accounts

Backed by: US Treasury Bills, FDIC Insured¹
Send Cheaper, Faster Payments to 150 Countries²
Up to 5.61% APY with State Income Tax Savings³
Choose State:
% APY
Calculate Yours

Replace your low-yield checking and savings bank accounts with Bivo's high yield accounts. Free ACH, wires, instant payments. Designed for individuals, small businesses to large enterprises. Industry leading high yield on every dollar with same day liquidity.

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Experience Uncompromised Excellence

Up to 5.61% APY High Yield

Auto-invest in Treasury-Bills and save on state tax. Options for Money market and FDIC Insured sweep¹.

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 100+ countries. Send millions via local payments².

Free ACH, Wires, Instant Pay

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

Auto Invest in Treasury Bills

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

Integrate Existing Accounts

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

Multiple High Yield Accounts

Multiple High Yield Operating and Investment Accounts. Access all your businesses in one place with a single log-in.

Seemless Investment Options

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

Tailored Controls & Schedules

Approval workflows, spending limits, user permissions. Configurable dual controls. Schedule payments and funds transfer.

Why Choose Bivo?

MEET ALL YOUR ACCOUNT NEEDS

HIGH YIELD OPERATING & INVESTMENT ACCOUNTS

Replace your low-yield checking and business banking with Bivo's high-yield operating and investment accounts, while earning industry leading high yield income on all your cash - no exclusions. Multiple entities accessible via same login.

Save on fees with free ACH, wires, instant RTP/FedNow. Enjoy same day liquidity and save significant cost through flexible automation, controls and visibility. Designed for small businesses and large enterprises.

INDUSTRY LEADING HIGH YIELD

MULTIPLE HIGH YIELD OPTIONS

Earn industry leading high yield on all cash without compromising flexibility. Options include:

a) auto invest in Treasury-bills. Save on state income tax while enjoying peace of mind knowing that all your funds are backed by the full faith and credit of the US government.

b) choice of money market sweep; or

c) high yield FDIC insured sweep through bank partners.

SAVE BIG ON FEES

FREE PAYMENTS - ACH, Wires, INSTANT PAY

Save big on fees with fee-free ACH, domestic wires, instant RTP/FedNOW. Our platform's flexible automation saves you time, allowing you to focus on what matters most—growing your business.

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 vendors, employees, and contractors 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.

Seamlessly integrate with your ERP, payroll, and banking applications for easy reconciliation, reporting, and closing of books.

TRY BEFORE COMMITTING

Integrates with Existing Accounts

Get started instantly with a limited account. Experience all the features of Bivo without providing confidential business details. Open your account in under a minute and see how Bivo transforms your financial operations.

In addition, you have the option to sweep funds to and from existing bank accounts to earn higher yields, or experience the full power of our comprehensive platform.

FLEXIBILITY THAT EMPOWERS YOU

Advanced Configurable Controls

Dual Authorization: Customize dual controls for transactions, payees, and users to ensure robust oversight.

User-Level Permissions: Set specific access levels and controls for individual users to align with their roles and responsibilities.

Spending Limits: Set granular user-level permissions for full control over financial activities.

Scheduled Automation: Save time by automating payments and transfers.

EXTRA LAYERS OF PROTECTION

Customizable Dual Controls

Turn dual controls on or off. Customize dual controls at a granular level for ultimate control - transactions, payees, users, and more, adding an extra layer of security to your financial operations, providing full visibility and avoiding manual approvals. Ensure every financial move is authorized.

STREAMLINED FINANCIAL OPERATIONS

Save Time with Auto Scheduling

Schedule payments to payees, fund transfers, and other financial activities automatically. This not only saves valuable time but also ensures that your financial commitments are fulfilled efficiently.

SEAMLESS INTEGRATION

Designed by Accountants

Bivo integrates with ERP, payroll, expense management, and banking applications to keep your systems up-to-date in real-time. Reconciliation, reporting, and book closing have never been easier.

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 & Protection

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

Real-time transaction monitoring safeguards your account.

Two-factor authentication ensures enhanced security.

Set granular permissions for spend controls, limits, and multi-person approvals.

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 High-Yield 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. Earn industry leading high-yield - by either (i) auto investment in U.S. Treasury Bills, (ii) sweep into your choice of money market funds, or (iii) FDIC-insured sweep at bank partners.

Treasury bills are backed by the full faith and credit of the US Government.

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 sweep are not subject to SIPC protection, and eligible for FDIC insurance, backed by the full faith and credit of the US Government, through bank partners.

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.

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.

3. Rates as of 3/29/2025. Annual percentage yield (APY) is variable and subject to change. Treasury yield of 4.35% APY on 4 weeks Treasury bills. Up to 5.61% APY effective yield on treasury bills 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. 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.

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 sweep fee, and paper statement fees may apply to your account. Please see Fee Schedule to learn more.