Our goal is to help make your move to the U.S. stress free by ticking some pretty important boxes on your moving checklist. With financial tools and services that are ready to use when you land, you'll hit the ground running.
Open your Rayo account from anywhere in the world* before you arrive in the U.S. Once you have completed the boarding process and are approved, your account is activated and ready to use. That's one less to-do after you arrive.
We want to eliminate the stress and uncertainty of your move so we are partnering with the best relocation agencies. A relocation concierge will answer all your important moving questions in real time.
Get a complementary e-sim provisioned in real time to your phone or a standard sim-card obtained before departing to the U.S. We know it's important to stay connected.
Your Rayo debit card can be used once you arrive and we don't charge additional ATM or FX Fees. Network FX fees and standard ATM charges will apply. Surprises are nice but not when it comes to fees.
Rayo lets you apply for a credit card and loan right away without the hassle of needing a credit score or waiting in line at a bank branch.
Rayo is an experience that extends beyond your arrival to the U.S. Our promise is to always deliver products and services that will make your financial life better and to be fully transparent every step of the way.
The Rayo Savings account earns interest with no minimum balance or hidden fees. Deposits are FDIC insured.
Open your NRE/NRO account in India with us, hassle free. You can access, manage and transfer funds to India within the Rayo account.
We'll be adding investment accounts to the Rayo product suite soon so you can start building for your future.
Save more with hassle free money transfers and great rates.
Take pleasure in unlimited and fee-free ATM transactions. You only pay the network fees.
Our relocation consultants will answer all your important moving questions through the chat utility.
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.
Founding Members will get early access to the Rayo app and receive dedicated customer support. It's nice to be pampered.
Founding Members will be treated to fee-free money transfers for life. We know this will add up to greatness.
Founding Members will never pay subscription fees, ever. That means you'll keep even more money in your pocket.
Founding Members will receive a special edition debit card. Set yourself apart from the rest of the pack.