Up to 5.61% APY High Yield - Unlock the Power of Your Funds

At Bivo, every dollar in your account works harder for you. Enjoy up to 5.61% APY on all cash with Bivo's auto investment in Treasury Bills and state income tax savings3. Earn 4.35% APY on Money Market and 4.30% APY on FDIC Insured1.

Key Benefits

Earn from Day One
  • Immediate High-Yields: Your funds start earning high yields the moment they are deposited.
  • No Exclusions: Every dollar is productive immediately with no waiting periods.
Seamless Integration
  • All-in-One Account: An all-in-one account for your primary, operating, or investment needs.
  • Maximize Returns: Receive your payroll, make investments, payments, or transfers while maximizing your high yield returns.
Multiple Investments
  • Treasury-Bills: Backed by the U.S. government and exempt from state income tax.
  • Money Market Sweep: Reliable, flexible, and high-yield investments.
  • FDIC-Insured Sweep: Enhanced coverage with bank partners.

Why Choose a High-Yield Account with Bivo?

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Maximized Returns
  • Enjoy a competitive up to 5.61% APY yield on every dollar without locking your funds.
  • Build your wealth efficiently with convenient access to your money.
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Liquidity and Flexibility
  • Access your funds anytime with same-day availability for withdrawals or transfers.
  • Manage your finances with ease while optimizing earning potential.
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Your Security, Our Priority
  • All investments are backed by trusted institutions, including U.S. Treasury securities and FDIC-insured bank partners.
  • Advanced security protocols help safeguard your funds.

How It Works

Deposit Funds

Add money to your Bivo account to start earning immediately.

Choose Your Option

Select from Treasury-Bills, money market sweeps, or FDIC-insured sweep based on your preferences.

Earn Effortlessly

Your funds grow automatically, with no manual intervention required.

Access Anytime

Withdraw or transfer funds at your convenience without penalties or delays.

Frequently Asked Questions

1. What is the current yield rate?
Our high-yield accounts offer a competitive yield of up to 4.30% APY on all balances.
2. Are there any hidden fees?
No. Bivo accounts have no hidden fees, no minimum balance requirements, and no monthly maintenance charges.
3. Can I use my account for payments?
Absolutely. Bivo accounts combine the benefits of a high-yield investment account with the flexibility of an operating account, allowing you to manage payments, and transfer funds seamlessly.
4. Is my money safe?
Yes. Bivo prioritizes security with investments backed by U.S. Treasury securities, FDIC-insured bank partners, and top-tier money market funds.
5. How do I access my funds?
You can access your funds anytime through our platform, with same-day availability for withdrawals or transfers.
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.

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