Cobalt
Banking that works while you sleep
A fintech banking app: instant transfers, cards, and spending insights. Applications you submit in the demo land in the admin panel.
Banking that works while you sleep
Your money, finally in motion
Instant transfers, smart savings, and cards you control — in one calm, secure app. No branches, no forms, no waiting on hold.
1.5%
rewards on every card
< 60s
to open an account
4.2%
high-yield savings
Total balance
$41,920.25
Banking that behaves
Every detail built to save you time — from how money moves to how you see it.
Instant transfers
Move money to any Cobalt account in seconds, or to any US bank in minutes.
Smart savings
Round-ups and auto-sweeps tuck money away before you have a chance to spend it.
Cards you control
Freeze, spend-limit, or create virtual cards for subscriptions in one tap.
Spending insights
Know where your money goes with clean, category-level breakdowns.
Simple plans, no fine print
Cancel anytime. Keep your money. We never charge for basic banking.
Everyday
Free checking, instant transfers, and a metal debit card.
$0/mo
- No monthly fee
- 1% rewards
- Free ATM network
Plus
For people who want their money working harder.
$9/mo
- 1.5% rewards
- High-yield savings 4.2%
- Virtual cards
- Priority support
Business
Banking built for freelancers and small teams.
$19/mo
- 5 team cards
- Invoices & tags
- Multi-user access
- Accounting exports
“Switched my whole life over in an afternoon. The insights alone are worth it.”
Renee A.Freelance designer
“I froze a lost card in ten seconds and had a new one the next day. That's it. That's the review.”
Dev P.Product manager
Apply in under 60 seconds
Open your Cobalt account
No credit check for Everyday. Your application lands straight in the demo admin panel — approve it and it's real.