Up to 5.61% APY High Yield on All Individual & Joint 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

Ditch low-yield checking and savings bank accounts. Industry leading high yield on all individual & joint accounts - receive payroll, savings, investments & brokerage. Free wires, instant payments & ACH.

You send

USD

Exchange

Rate:

$1 =

Recipient Receive :

Fees: $0.00

Experience Uncompromised Excellence

Up to 5.61% APY High Yield

Auto-invest in Treasury-Bills and save on state tax. Options for money market sweep, and FDIC Insured¹.

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 payments.²

Individual & Joint Accounts

Supporting individuals and families. One primary account to receive payroll, savings and investments.

Free ACH, Wires, Instant Pay

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

Integrate Existing Accounts

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

Seemless Investment Options

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

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.

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 5.61% 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. 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 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 sweep funds to start earning high yields instantly. Maximize your savings with options like Treasury-Bills, money market or FDIC-insured sweeps 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 one primary account 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 funds 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 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.