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

Before you arrive
Pre-arrival account opening
Expert relocation and concierge service
Free data service ready when you arrive
No minimum balance
After you arrive
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
Features for Life
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

Others
Founding Member benefits
Pre-arrival account opening
Expert relocation service
Free data service ready when you arrive
Debit card ready when you arrive
Apply for credit card immediately
Personal loans
Credit card
High yield savings - USD
No minimum balance
FDIC insured up to $250,000
Safe and secure
Fast money transfers with great rates
No hidden FX fees
No added ATM fees
Unlimited ATM transactions
Multicurrency access
Open your NRE/NRO account in India
Investment account
World class customer support
immigrant Help Center & knowledge base
Fair and transparent

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.