Banking,
finally on your side.
Aurum is a bank account that moves at your pace — instant transfers, real-time insight into every dollar, and bank-level security from day one.
- No monthly fees
- FDIC-insured up to $250,000
- 4.9/5 from 38,000+ reviews
Available balance
$0.00
Recent activity
- Lago StudioDesign retainer · 9:41 AM+$2,400.00
- Whole FoodsGroceries · Yesterday−$64.18
- Transfer to SamInstant · Yesterday−$120.00
- Northline FreightInvoice #2291 · Mon+$890.50
Trusted by people who moved their money here
members
moved monthly
monthly fees
human support
Everything a bank should have done from the start.
Send and receive in seconds, not days.
Move money between Aurum members instantly, any hour, any day. Transfers to outside banks clear same-day with no hidden float.
Every dollar, sorted automatically.
Aurum reads every transaction and quietly sorts it into a category you'd recognize. No manual tagging — just a clear picture.
Your money, locked down by default.
Freeze your card mid-tap. Set spending limits per merchant. Every login requires your face, not just a password.
Read about security →Three steps. Four minutes. Done.
Apply
Tell us a little about yourself. No paperwork, no branch visit.
Fund
Link an existing account, deposit a check with your camera, or route your paycheck directly.
Spend
Your virtual card is ready the moment you're approved. Physical card arrives within days.
One account. No catches.
Free, always
$0/month
Everything you need to bank like it's not 2009.
- No monthly fees, no minimum balance
- Instant transfers between Aurum members
- FDIC insurance up to $250,000
Aurum Black
$9/month
For people who move more money, more often.
- Everything in Standard
- Same-day external transfers
- 2% cashback on every purchase
- Early payday, up to 2 days sooner
- Priority human support, 24/7
Treated like a vault, not an afterthought.
- 256-bit encryption on every transaction
- Biometric login required, no exceptions
- Freeze your card instantly — no phone call needed
- FDIC insurance up to $250,000
Not paid actors. Just people who switched.
I moved my whole business over in a week. The transfers actually land instantly — that's not marketing language, the money just arrives.
Froze my card from an airport lounge in Lisbon after I thought I'd lost it. Took four seconds.
First bank app where the spending breakdown actually matches what I remember buying.
Things people usually ask.
Yes. Deposits are FDIC-insured up to $250,000 per depositor through our partner bank, Members Trust Bank.
Transfers between Aurum members land instantly, any hour of the day. Transfers to outside banks clear same-day on Standard.
No. Keep $4 or $40,000 — no minimum, no fee for falling below one.
Freeze it from the app in under two seconds, order a replacement, and keep spending from your virtual card while it's in the mail.