Personal banking
Everything you need, nothing you don't
Checking, savings, cards and credit in one account. No monthly fee, no minimum balance, and every charge shown before you agree to it.
Checking
No monthly fee
No minimum balance
- No monthly maintenance fee, ever
- Free transfers between NexaCapital accounts
- Domestic transfers from $2.50
- Virtual card issued in seconds
- Automatic spending categorisation
- Deposits insured to $250,000
Most popular
Savings
4.35% APY
Credited monthly
- 4.35% APY on every dollar, from the first
- No minimum balance and no tiers
- Interest paid on the first of each month
- Withdraw any time, no notice period
- Set savings goals and track them
- Deposits insured to $250,000
Personal loans
From 5.9% APR
$500 to $100,000
- Decision within one business day
- Terms from 6 to 60 months
- Repayment schedule shown before you commit
- No early settlement penalty
- Funds disbursed straight to your account
- Soft check to see your rate
Transfers, priced up front
You see the fee and the arrival date before you confirm. Never after.
| Transfer type | Arrives | Fee |
|---|---|---|
| Between NexaCapital accounts | Instant | Free |
| Domestic bank transfer | Same day | $2.50 |
| International transfer | 1–3 business days | $25.00 |
| Wire transfer | Same day, priority | $35.00 |
Foreign exchange is converted at the live mid-market rate with the conversion fee shown separately before you confirm.
Ready when you are
Two minutes to apply. Your account number is issued immediately.
Open an account