4.60% APY* on All Business and Individual Cash Plus Accounts
- Up to 5.67% APY with state tax savings. FDIC Insured1Choose State:% APYCalculate 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. 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 payments2.
Free ACH, Wires, Instant Pay
Free payments - ACH, wires, instant RTP/FedNOW with same day availability. Move cash easily and efficiently.
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.
Integrate Existing Accounts
Seamlessly move cash between your existing accounts and Bivo’s platform. Experience powerful features before committing.
Multiple High Yield Accounts
Multiple High Yield Cash Plus 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 BUSINESS CASH PLUS ACCOUNTS
Replace your low-yield checking, savings, and business operating accounts with Bivo's high-yield Cash Plus 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. 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) money market option.
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 move funds to and from existing bank accounts to earn higher yields, or experience the full power of our comprehensive platform.
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 cash 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.