Better banking for immigrants, expats and you is here.

As immigrants ourselves, we believe banking should be tailored to our needs. Join the waitlist and help us create a service you've been waiting for.

Join the waitlist

Fast money
transfers with great rates.

Sending money to friends and family can be a hassle. We let you send money back home quickly and with no transfer fees.

beyond borders.

Open and manage your bank accounts in India with Rayo, hassle free. Now you can access, manage and transfer funds to India with the most convenient banking experience for NRIs.

Get a credit card

We know that it's hard for immigrants arriving in the U.S. to establish credit history. When you open a Rayo account you are eligible to apply for a credit card immediately.

Great savings.
Earn more.

Achieve your goals sooner by opening a savings account that earns interest. With no minimum balance or fees, we make things easy so you can focus on your life.

Help getting
set up in the U.S.

Don't waste time scrambling for open WiFi networks when you land in the U.S. Rayo includes a data plan for the first week so you can hit the ground running!

Open a U.S.
bank account
before you arrive.

We will open your Rayo account before you get to the U.S. You can even send yourself money so it's already here when you arrive. How's that for convenience?

We believe that banking should be a tailored, seamless and borderless experience for everyone.

Our goal is to make life better for immigrants, expats and the underserviced by making their banking better and eliminating the constraints of other financial providers.

Become a Founding Member!

Join the waitlist now to be part of our beta program and become a Founding Member. Founding Members will get dedicated customer support, a special edition debit card and will never pay subscription or transfer fees.

Join the waitlist

Early access

Founding Members will get early access to the Rayo app and receive dedicated customer support. It's nice to be pampered.

Free transfers

Founding Members will be treated to fee-free money transfers for life. We know this will add up to greatness.

Subscription fees waived

Founding Members will never pay subscription fees, ever. That means you'll keep even more money in your pocket.

Founding Member card

Founding Members will receive a special edition debit card. Set yourself apart from the rest of the pack.