Rayo sets up your U.S. banking before you take off.

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.

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Before you arrive

Open your Rayo account from your home country to get a head start.

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.

Before you arrive

Plan your move confidently with a Rayo relocation concierge.

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.

Rayo tools and services that help you land smoothly.

After you arrive

Connect with free data service when you land.

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.

After you arrive

Start spending with your debit card.

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.

After you arrive

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

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.

World-class financial products and lifetime support.

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.

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.

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.

Investment accounts

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

Fast money transfers with great rates

Save more with hassle free money transfers and great rates.

Unlimited ATM transactions. No hidden fees

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

Expert relocation concierge

Our relocation consultants will answer all your important moving questions through the chat utility.

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.