98Excellent
Deposits protected$250,000
Smart protection
A live score that tells you how safe your account is — and exactly what would make it safer.
Learn moreMoney thatgrows with you.
Spend, send and save from one calm account. Vireo watches every transaction in real time, so you can stop worrying about money and start planning with it.
2.1Mmembers in 34 countries
4.9App rating, 180k reviews
Sent to Lisbon€240.00 · arrived in 2s
Salary landed+$4,280.00 · 2 days early
Login blockedUnknown device · Kraków
As featured in
LedgerlineThe FoldNorthbankCoinhausMeridian DailyParallelQuarterly
Payments
Pay anyone, anywhere —in the time it takes to blink.
Bills, transfers, splits and everyday spending in one place. Send money abroad at the real exchange rate and watch it land before your coffee does.
vireo
•••• 4821Debit
vireo
•••• 4821Debit
vireo
Balance$45,281.09Debit
- average transfer time
- 2s
- average transfer time
- countries and 40 currencies
- 160+
- countries and 40 currencies
- hidden fees, ever
- $0
- hidden fees, ever
Security
Your money stays guarded,even while you sleep.
Bank-grade encryption, live fraud detection and controls you can use in a second. If something looks off, Vireo stops it and tells you why.
Live200+ signals · <50 ms
- Bloom Grocers-$42.18
- Card test · UnknownBlocked
- Rent · Oak Street-$1,450.00
- Login · New deviceVerified
Real-time monitoring
Every payment is checked against 200+ signals in under 50 ms. Suspicious ones never leave.
Learn morevireo
•••• 4821Debit
One-tap freeze
Lost your card? Freeze it instantly, then unfreeze when it turns up in your other jacket.
Learn morePlatform
All your money,in one calm app.
Vireo brings your spending, accounts, goals and investments together, with insights that explain what changed and what to do next.
Spent in June
$2,846.20
WeekMonthYear
Jan
Feb
Mar
Apr
May
$4.1kJun
Jul
- Groceries32%
- Dining out18%
- Transport14%
Oat latte · Café Verde$4.20 · rounded up +$0.80
Travel Vault
$1,284
$1,284 of $2,000 · 64%
Everyday
Small habits,serious savings.
Vireo turns the little things into progress. Round up every purchase, get paid up to two days early, and split the bill without the awkward follow-up.
- Round-upsSpare change from every purchase goes straight into a Vault.
- Early paySalary lands up to two days before payday, automatically.
- Fair splitsSplit any payment and Vireo nudges friends so you don’t have to.
- average saved in year one
- $1,284
- average saved in year one
- fewer late fees for members
- 38%
- fewer late fees for members
- banks and cards supported
- 12k+
- banks and cards supported
- APY on every Vault
- 4.1%
- APY on every Vault
Pricing
Simple plans.No small print.
Start free and upgrade when you want more. Every plan includes real-time protection and zero hidden fees.
Basic
Free foreverEverything you need to spend and send without fees.
$0forever
- Virtual and physical card
- Free local transfers
- Spending insights
- Two savings Vaults
Plus
Most popularSmarter saving, early pay and better rates abroad.
$5/ month, billed yearly
- Everything in Basic
- 4.10% APY on Vaults
- Salary up to 2 days early
- Fee-free FX up to $3,000/mo
- Unlimited Vaults and round-ups
Pro
For power usersInvesting, priority support and premium protection.
$12/ month, billed yearly
- Everything in Plus
- Managed portfolios from $1
- Purchase and phone insurance
- Priority human support
- Metal card
Member stories
Real people,calmer money.
Trusted by 2.1M people
building calmer money habits
“Before Vireo I lost track of where my money went every month. Now I can see it clearly, budget without thinking, and I actually know what I can save.”
01/05
Maya Okafor
Product designer
$3,420
saved in her first year
FAQ
Questions,answered.
Can’t find what you need? Our team replies in under five minutes at hello@vireo.example.com.
Deposits are held with our licensed partner banks and protected up to $250,000 per member. Your data is encrypted at rest and in transit, and every login and payment is checked in real time.
Your money,finally in good company.
Join 2.1 million people who spend smarter, send faster and save without thinking about it.