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535 Mission St.
San Francisco. 94105
California, USA.

Frequently Asked Questions

We are working diligently to launch the Rayo Beta Program in the Spring of 2021. If you’d like to keep up to date with all the latest Rayo news and launch timing, please join the waitlist on our website.

Our mission and services are borderless, but we are located in the financial district in San Francisco, California.

Here at Rayo (pronounced rye-O), we’ve developed the total banking experience for expats, immigrants, explorers and the like. Rayo means “thunderbolt” in Spanish and is a direct reflection of our continued mission to provide shockingly fast, powerful and secure banking services to those who live their lives just as unexpectedly and quickly. 

Financial access should not keep you from your dream or your destination. At Rayo, we’ve developed comprehensive banking access for you to take advantage of before, during and after your move. Open a U.S. bank account with Rayo before you leave your home country and enjoy access to our data plan the minute you arrive. You’ll even get access to Rayo’s relocation concierge to answer all of those stressful moving questions. While in the U.S., gain full access to hassle-free international transfers, simple access to credit and inclusive saving options.  

Rayo is here for you because some things can be left up to chance - but your financial wellbeing is not one of them.

We will publish our fee schedule for our products and services when Rayo  launches. A Truth in Savings Act document will also be published so there is complete and unconditional transparency with all of our fees.  We value our members’ and their hard work, that’s why Rayo is committed to providing a clear fee schedule that encourages your financial prosperity.

The Rayo community is more than just customers. We’re brought together through shared experiences, struggles and exploration. This is particularly true for our Founding Members, the members that recognized Rayo’s potential from the very beginning and became Rayo customers before the product launched. Founding Members help define Rayo features and services that deliver the most substantial value to all of our members.   

They continue to support us, so it’s only right that we continue to support them – all Founding Members will receive reduced fees and subscription charges. If you'd like to become a Founding Member, you still have time to join our waitlist and help us build the next generation of global banking. 

Join the waitlist now.

The Rayo App will be available in the Apple App and Google Play stores soon. If you’ve joined our beta program via the waitlist, you’ll gain direct access to the Rayo beta download for beta testing.  

All beta testers are Founding Members and will enjoy exclusive perks like reduced fees and subscription charges.

Our goal is to eliminate the stress and uncertainty of your move by providing expert relocation advice. We are partnering with the best relocation agencies in the US and extending their service to you. A relocation consultant can answer all your important moving questions via the Rayo chat utility at a time that is convenient to you and not limited to US business hours.

Eligibility requirements are underwritten by our partner institutions.  

We are strategically partnering with financial institutions that can provide the best possible card products to our members. Our commitment when partnering with a credit institution is to streamline the credit approval process for immigrants because building a credit score is essential to your financial success in the U.S. 

When you sign up for a Rayo account, we will ask for personal identification information, and other documents like a valid government issued ID or passport and visa, to verify your identity. Our approval process helps us determine your eligibility for a Rayo account and follows federal banking regulations.

A complete list of requirements will be posted to our Terms and Conditions soon.

Absolutely! We even suggest it. Reduce travel stress by knowing you have a secure and global bank at your fingertips. Just remember, eligibility is dependent on the consideration of the specific circumstances regarding your move to the U.S. and the necessary supporting documentation, like your passport and stamped work visa.

We partner with local banks to hold customer deposits. This means that your money is safe and secure in a regulated bank and your deposits are insured up to $250,000 by the FDIC.

We're so glad you asked! We'll be announcing our U.S. banking partner soon. As you can imagine, building a borderless bank requires high standards, such as the utmost security, reliability and strategy - all of which our U.S. banking partner possesses.