Financial products and services that help immigrants every step of the way.
We are immigrants ourselves and we know that banking for immigrants needs to be better. We are building a comprehensive banking experience that will delight customers from the time they start planning their move to when they are thriving in the U.S.
Rayo has you covered
Pre-arrival account opening
Expert relocation and concierge service
Free data service ready when you arrive
No minimum balance
Apply for credit card immediately
Access to personal loans
Fast money transfers with great rates
Unlimited ATM transactions
Manage your home and U.S. finances
World class customer support
Founding Member benefits
Immigrant Help Center & Knowledge base
Multicurrency access
No hidden fees
High yield savings FDIC insured
Investment account
How Rayo stacks up against other banks
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.