Now live in 31 countries

Money,
minus the noise.

One account, one card, zero foreign fees. Ledger shows you exactly where your money goes, the moment it goes there.

Open an account → See what you'd save
JMAKRS+

1.2M members · 4.9 rating on the App Store

Ledger
•••• •••• •••• 4821 ALEX MORGAN
METAL
Card frozen
−$4.80 Blue Bottle Coffee
Saved $38 in fees this month
256-bit encryption $250k deposit protection 0% foreign transaction fees 24/7 human support
01 — Spend

Every tap,
explained instantly.

Merchant, category, location and how it changes your month, all on your lock screen before the receipt prints.

  • Smart categories that learn your habits
  • Split any purchase with one tap
  • Round-ups that invest your spare change
October
$1,284.60
spent this month · 64% of budget
    02 — Fees

    See what your bank
    has been keeping.

    $1,500/ month
    $100$10,000
    Typical bank$540
    Ledger$0
    You'd keep $540 every year
    Based on a 3% foreign transaction fee charged by most major banks.
    03 — Cards

    Choose your weight.

    Ledger
    •••• 4821
    METAL
    $9/ month

    18g stainless steel core, 1% cashback on everything and airport lounge passes twice a year.

      Get Metal →
      04 — Security

      Locked down,
      not locked out.

      Freeze in one tap.

      Lost your card in a cab? Freeze it instantly, then unfreeze when it turns up in your coat. Try it. It freezes the card at the top of the page too.

      Biometric approvals

      Every new device and large payment needs your face or fingerprint.

      Disposable numbers

      Generate a single-use card number for every online checkout.

      Real-time alerts

      Know about every charge within a second, wherever it happens.

      0MMembers
      $0MFees saved by members
      0Countries
      0App Store rating

      Open an account
      in four minutes.

      No paperwork, no branch visits, no minimum balance.