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Wave Money is changing the whole banking industry

Banking doesn’t need to be a dirty word.

$3,480.25

Wave Money does what your business bank account can’t: manage your bookkeeping for you.

Wave Money is currently in limited release and only available to US businesses. Please check back as it becomes available in other countries.

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What’s included with Wave Money?

Business bank account

Debit card

Mobile app

Wave Money is free, FDIC insured, and simple to use.

Deposit funds into your account, spend with your Wave debit card, and manage everything in the Wave Money mobile app.

Cut down on manual bookkeeping

Take manual admin tasks off your to-do list. Wave Money is the first bank account with built-in bookkeeping.

No more
double checking balances and transactions.
No more
worrying about categorization and reconciliation.
No more
monotonous bookkeeping.

No more banking fees

We know you’re tired of being nickel-and-dimed with fees, so we’re offering real change.

  • No monthly account fees
  • No account minimums
  • No money transfer fees
  • No transaction fees
  • No ATM withdrawal fees
  • No overdraft fees

Great question. Wave makes money through optional financial services. Depending on your business needs, you can choose to pay for online payment processing, payroll, and bookkeeping services.

This allows our core software—invoicing, accounting, and now a business bank account—to always be free.

Free doesn’t mean fewer features

See how Wave Money compares to (and outshines) other bank accounts.

Your old bank account Wave Money account
Often $500 - $5,000 minimum balance, with monthly fees of $20 and up No account minimums or monthly fees
Up to 1.5% fee per transfer, if available at all Free Instant Payouts
Up to $70 per month for third-party accounting software Free built-in bookkeeping
Might have mobile check deposit Mobile check deposit (coming soon)
Up to $3 per ATM withdrawal at non-participating banks Largest free ATM network in the US
Get out your checkbook, envelopes and stamps Pay vendors and contractors via email for free
Up to $3 per transfer Send and receive ACH transfers for free
Not always supported Apple Pay support
Up to $5 per debit transaction Pre-authorized debits for free
Integrations often not available Connect 3rd party payment processors
FDIC insurance for up to $250,000 FDIC insurance for up to $250,000

The future of business banking

Get instant access to your funds when customers pay through Wave Payments.
Bookkeeping is done in real time since Wave Money handles both your banking and your accounting.
Best of all, the Wave Money app delivers personalized insights based on your financial habits, giving you a headstart on budgeting and cash flow planning.

Wave is the command center for your business

Wave Money is just the beginning.

Get a full 360° view of your business finances. Track income and expenses, manage customer invoices, accept online payments (with no processing time!), and pay your team when you need to.

Take control of your finances with Wave and see everything in one place.

“As a consultant, Wave Money makes it so easy to invoice my clients with beautiful, professional invoices. Getting paid through Wave Money is much easier and faster than it was through my previous banking provider and saves me so much time on taxes since everything is in one place.”
Jordanne Pallesen Julep Marketing
“Wave Money makes such a difference with how smooth the payment process is. That, along with the customizable estimating and invoicing tools give me the level of legitimacy every business owner strives for.”
Eric Jean 12 Volt Techs
"Wave Money is pretty killer. I’ve signed up for online banking with apps/banks, but Money is so much more polished. Kudos to a job well done. Thank you!"
Hugo Fuzen Design

Wave Money is the better banking solution for your business

We swear you’ll love it.

Reserve my spot

Wave Money is currently in limited release and only available to US businesses. Please check back as it becomes available in other countries.

Be one of the first to try it

Our team is hard at work putting the final touches on Wave Money. Provide your email to reserve your spot and:

  1. See how Wave can help your business right now
  2. Receive the latest timeline and feature updates
  3. Get early access!
My business has many owners. Can we all use Wave Money?
Wave Money currently supports single-owner businesses. You’ll hear from us when this changes.
What do you mean by no fees?
a. We mean no monthly fees, account minimum, transaction fees, or ATM withdrawal fees if you withdraw from our network of 55,000 surcharge-free ATMs. You’ll find a list of them in the Wave Money app.

b. Note that if you use an out-of-network ATM, that ATM operator may charge a service fee. It's always best to use one of our 55,000 surcharge-free ATM's, which you can search for in the Wave Money app.
No fees sounds unbelievable. How do you make money?
Wave makes money through optional financial services. Depending on your business needs, you can choose to pay for online payment processing, payroll, and bookkeeping services. This allows our core software—invoicing, accounting, and now a business bank account—to always be free.
Are you a regulated bank?
Wave is not a bank, but we are a banking alternative. We partner with Community Federal Savings Bank (CFSB) to issue the Wave Visa® Business Debit Card. CFSB holds all Wave Money deposits, which are insured up to $250,000 through the Federal Deposit Insurance Corporation (FDIC).
What does FDIC insured mean?
The Federal Deposit Insurance Corporation (FDIC) is a federal government agency that insures against loss of deposits in the case of a bank failure. Our bank partner is an FDIC member and each Wave Money account is insured up to $250,000 per account.
Where can I withdraw money without incurring fees?
Wave partners with the largest surcharge-free ATM network in the world to offer you free withdrawals. You can find the list of ATMs near your location in the Wave Money app.
How does Wave handle my data?
Wave will never sell our customers’ data. We only share data with our banking partner, Community Federal Savings Bank (CFSB), as required under federal banking laws and as outlined in our Privacy Policy, Terms of Use and the Wave Visa Business Debit Cardholder and Account Agreement.
Where can I use my Wave Money Debit card?
You can use your Wave debit card anywhere Visa® is accepted. When you’re shopping online, just choose Visa® and enter your card information as you would normally.
Does Wave Money work with my payments processor (Shopify, Stripe, PayPal, Square)?
Sure does! Connect it to your payments processor the same way you would any other bank account.
Is a credit check required to open a Wave Money account?
No, Wave does not perform a credit check when opening a Wave Money account and your credit score will not be affected.