Coming soon
2.5% on every dollar your business holds
Your business Cash Plus Account earns 2.5% instead of the 0.01% a typical business checking account pays.
Calculated daily and paid monthly.
No minimum balance and no lock-in.
The business cash account
that pays you 2.5%.
A US business Cash Plus Account in 15 minutes — account and routing number, ACH and wires, a debit card and bill pay. Earn 2.5% on every dollar, and pay your team in India at the best FX rate.
ISO 27001 & SOC 2Certified security
XpatYou earn every year$6,250The same balance, a year
Xpat Cash Plus · 2.5%$6,250
Typical business checking · 0.01%$25
Illustrative at 2.5% annual yield, paid monthly. Rates can change.
Held at FDIC-member banks including
Sample rate vs typical | USD – INR
₹96.27+0.00%
Banks (SWIFT)₹95.26−1.05%
₹88.03−8.56% 
₹95.75−0.55% 2.5%On your business cash
15 minTo open online
$0Monthly fees
Account and routing number
ACH, wires and bill pay
Pay India at the best FX rate
No monthly fees
FDIC pass-through coverage
One account.
Three ways it works for you
Coming soon
Everything a bank account does
An account and routing number in your company’s name, ACH and wires, bill pay and a business debit card.
Pay vendors and bills from one place, with approvals for your team.
Spend straight from your Cash Plus Account, anywhere Visa is accepted.
Coming soon
Pay your team in India at the best FX rate
Contractors, vendors and your Indian entity — with the exact rupees shown before you confirm.
The rupee amount shown before you confirm.
An e-FIRA for your Indian team’s paperwork.
Open your account
in 15 minutes
Tell us about your business
EIN, formation documents and what you do. About 5 minutes.
Verify the owners
ID and a selfie for anyone owning 25% or more. About 5 minutes.
Fund your account
Move money in by ACH or wire from your current bank.
Earn from day one
2.5% starts on your first dollar — account and routing number ready immediately.
Your cash,
held where it’s protected
FDIC pass-through
Balances are held at FDIC-member partner banks — First Citizens Bank and JPMorgan Chase — with pass-through deposit insurance.
ISO 27001 & SOC 2
The gold standard in information security, audited every year.
Xpat is not a bank
Xpat is a financial technology company. Your cash is held at our FDIC-member partner banks.
Frequently asked
questions
US LLCs and C-corps — including those founded by NRIs — with an EIN and owners who can verify their identity.
Your balance earns 2.5% annually, calculated daily and paid monthly. There’s no minimum balance and no lock-in.
Cash Plus Account balances are held at FDIC-member partner banks — First Citizens Bank and JPMorgan Chase — with pass-through deposit insurance. Xpat is not a bank.
Yes — at the live rate, with the exact rupee amount shown before you confirm.
Yes — a cash-secured business credit card launches in January. It builds business credit without unsecured debt.
About 15 minutes online. Your account and routing number are ready as soon as you’re approved.
