Rayo banking

Rayo is a one-stop financial app that makes it easy for immigrants to do their banking in the U.S. and back home. Rayo’s tailored financial tools and helpful services will ensure that immigrants who are about to move or who have already moved to the U.S. can manage their global financial lives.

Rayo provides tools to manage U.S. and home country finances, transparent money transfers with great rates, round-up savings that earn interest, credit card and investments. Rayo also offers premium services like concierge and expert relocation assistance, real-time access to immigration attorneys, a curated knowledge center, and exclusive offers & discounts for immigrants. This sets Rayo apart from banks and other financial apps.

Open a Rayo account from anywhere without your SSN, even before you arrive in the U.S
Open an account in 3 minutes from the convenience of your phone.

Send money globally, fast. *
Rayo offers money transfers at competitive rates.

Savings that grow.
Make your money work for you with Rayo’s interest-bearing account.**

Spend to save.
When you spend money with Rayo your purchases get rounded up so your savings grow even more.

Special edition Rayo debit card.
We don't charge additional ATM or FX Fees. Network FX fees and standard ATM charges will apply.

Rayo is transparent.
There are no hidden fees.

Your money is safe and secure.
Deposits are FDIC insured up to $250,000***

VIP 24-7 customer 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.


Not just banking. It's a lifestyle multi-tool for immigrants.


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

Immigration attorneys
Consult with an immigration attorney in real-time and receive discounts on their services.

Curated knowledge center
Tap into our extensive library of articles and tips and tricks for immigrants and expats.

Rayo Marketplace
Access to products and services tailor made for immigrants.

Cash back offers
Helping you save even more money. Receive exclusive offers & discounts from our marketplace partners.



Legal
* Remittance services provided by Community Federal Savings Bank, , to which Nium, Inc. (dba Rayo) is a service provider. Powered by Nium. (NMLS ID No. 1528562)
**Banking services provided by Cross River Bank, member of FDIC
***For more information about deposit insurance, see: https://www.fdic.gov/resources/deposit-insurance/