The everyday spending account for multinationals.

Passbook is a new way to store, spend, and send money, designed specifically for immigrants living and working in the United States.

Join for free
* even if you don't have an SSN

Goodbye fees.

You shouldn’t have to pay to spend. Instead of charging unfair and hidden fees, we earn a percent of the interchange merchants pay when you spend.

Swipe with pride.

With your choice of flag and preferred name, a quick-read number on the back, and tap-to-pay technology, the Passbook Visa debit card is a card you can be proud to use.

Banking without borders.

Spend internationally without paying foreign transaction fees, and deposit or withdraw cash at retail stores. Plus get cash back on remittances.¹

Everything you need for everyday spending.

Get paid early

Get paid with direct deposits up to 2 days early.²

Deposit when & where you want

Deposit cash or transfer from a bank account, with no minimum deposit requirements.

Send overseas, get rewarded

Get $2 cash back when you send money internationally using Remitly.¹

Gas & groceries, rentals & rooms

Use everywhere Visa debit cards are accepted, even for car rentals and hotels.

Cash when you need it

Get cash back with purchase at retail stores, or access any of over 2M ATMs worldwide.

Use with popular apps

Easily transfer money from apps like Venmo, Cash App, and even Zelle®.

Get help anytime, anywhere

Specialists are available outside banking hours via email or phone. (Hablamos Español.)

Contactless payments

Use tap-to-pay or your smartphone for purchases.

Built-in security

Your data and information stays protected with encryption and biometric access.

Frequently Asked Questions

How can I join?

Follow the instructions in the Passbook app. Make sure to have your basic information and a method to verify your identity ready.

Is this real or a scam?

We’re real. Passbook is a new service from Remitly, which has been around since 2011, is licensed to send money throughout the entire US, and has helped millions of people send billions of dollars internationally.

What information do you ask for?

During sign up we'll ask for things like your phone number, birthdate, residential address, and Social Security Number. If you don't have an SSN, no worries! Have your passport or other official documentation ready so we can verify your identity.

Is this for immigrants only?

Passbook features and benefits are specifically designed for immigrants, but U.S. citizens can sign up if they want.

Does this affect my credit score?

No. We do not check your credit to open an account, and being an account holder does not help build credit. (We are researching ways to help you do that, though!)

Are there really no fees?

Really, no fees! We don't charge any of the usual banking fees for minimum balance, overdraft, maintenance, ATM withdrawal, transfers, service charges, card re-issues, etc.

We can't guarantee you won't be charged a fee from certain partners or retailers, but we don't charge fees.

How long does it take?

Signing up usually takes under 10 minutes. It may take longer depending on how quickly we can verify your identity.

Once your account is opened you'll be able to use your Visa debit card for online purchases almost immediately. It will take a week or two for the physical card to arrive.

Can I use this outside the US?

Yes! You can use the Passbook debit card and app outside the US but the account itself is US-based and you must reside in the US to open an account.

Get started.

To get a Passbook account, enter your email address below. You'll get an email invitation with a link to download the app.

You're in!

Your email address is on the waitlist and you will get an email when we're ready for you to sign up.
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