All your banking needs covered... in the U.S. and back home.

Now that you're living in the U.S. we're here with you for the long haul, delivering products and services designed to make your financial life better.

Join the waitlist

Fast money transfers with great rates.

Save more with hassle free money transfers and great rates.

Build your credit score with a credit card or a loan.

Rayo lets you apply for a credit card or loan right away without the hassle of needing a credit score or waiting in line at a bank branch.

Enjoy high yield savings that are FDIC insured.

The Rayo savings account earns interest with no minimum balance or hidden fees. Deposits are FDIC insured.

Investment accounts.

We'll be adding investment accounts to the Rayo product suite soon so you can start building for your future.

Banking Beyond Borders.

Open your NRE/NRO account in India with us, hassle free. You can access, manage and transfer funds to India within the Rayo account.

Unlimited ATM transactions. No hidden fees

Take pleasure in unlimited and fee-free ATM transactions. You only pay the network fees.

Safe and secure

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

Open an account from anywhere*

Open your Rayo account from the convenience of your smartphone.

World class support

Our Customer Support team is obsessed with your success and will be here for you 24-7.

Fast money transfers with great rates

Save more with hassle free money transfers and great rates.

Become a Founding Member

Join the waitlist now to be part of our beta program and enjoy the benefits of being a Founding Member.

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.