Earn up to 6.50% APY.
Start at 2.50%. Your Xpat habits take you to 4.00%, and every friend you bring adds 0.50% for the month they join.
- FDIC pass-through on swept cash
- Your own account & routing number
- Send home from your balance
See what you could earn
Tap the habits you’d keep, add the friends you’d bring and slide to your balance.
1 · Your habits
2 · Your friends this month
Each friend who qualifies adds 0.50% for the month they join, up to 5 a month.
5 more friends this month gets you to 5.00% APY.
How your rate is built
Each habit counts in the months you meet it. Your total rate never goes above 6.50% APY.
Built for the money you send home
Up to 6.50% APY
Start at 2.50%, climb to 4.00% with your habits, and to 6.50% in the months you bring friends.
Your paycheck lands here
Your own account and routing number for payroll. Split a deposit if you like — you don’t have to send your whole paycheck.
Send home in one step
Pay for a transfer to India straight from your balance — no pulling money in from another bank first.
FDIC pass-through coverage
Cash is swept to FDIC-member program banks. Pass-through coverage applies to the swept cash, subject to FDIC rules.
Open your account
Verify your identity once in Xpat. You start at 2.50% APY, and your account and routing numbers appear when it’s live.
Set up direct deposit
Give the numbers to payroll. In your first 12 months, $2,000 a month adds 0.25% extra interest. $5,000 a month adds another 0.50%.
Send home and invite
Send money home each month and bring friends to climb to 6.50% APY. The app shows where you stand.
Good to know
Every Cash Plus Account starts at 2.50% APY. Your habits can take it up to 4.00% APY in your first 12 months, and friends you bring can take it up to 6.50% APY for the month they join.
A friend counts in the month they qualify: they open an Xpat account and receive a direct deposit of at least $2,000, send a transfer of at least $2,000, or keep an average monthly balance of at least $5,000. Each one raises your rate by 0.50% APY in your first 12 months (0.25% after) for that month only.
No. APY is a yearly rate, so a one-month bonus pays about one-twelfth of it: 0.50% APY for a month adds about 0.04% of your balance — about $4 on $10,000.
Each habit counts in the months you meet it. Your app shows where you stand this month and what’s left.
Your habits earn up to 3.50% APY, and each friend adds 0.25% APY, up to 10 friends a month. Your total rate still won’t go above 6.50% APY.
No. Rates are variable and may change.
The Cash Plus Account is a brokerage cash account provided by Bivo Inc. (NMLS 2572288). Xpat is not a bank. Cash is swept to one or more FDIC-member program banks, where pass-through FDIC coverage applies to the swept cash, subject to FDIC rules.
Let the dollars waiting to go home earn while they wait.
Start at 2.50% APY. Climb to 6.50%.
Open your Cash Plus AccountRate terms
APY = Annual Percentage Yield. Rates are variable and may change. Habit bonuses apply in each month you meet the requirement. A friend counts in the month they qualify: they open an Xpat account and receive a direct deposit of at least $2,000, send a transfer of at least $2,000, or keep an average monthly balance of at least $5,000. Each qualifying friend raises your rate by 0.50% APY in your first 12 months (0.25% APY after) for that month only. APY is a yearly rate, so a one-month bonus pays about one-twelfth of it. Referral bonuses add at most 2.50% APY in a month, and your total rate won’t go above 6.50% APY. The Xpat card isn’t available yet.
The base rate and the bonuses are both credited to your Cash Plus Account as interest by Bivo, under these rate terms.
Xpat is a brand of Remit2Any Inc. and is not a bank. The Cash Plus Account is a brokerage cash account provided by Bivo Inc., NMLS 2572288. Cash is swept to one or more FDIC-member program banks, where pass-through FDIC coverage applies to the swept cash, subject to FDIC rules.
Cash Plus Account disclosuresHigh Yield termsReferral program termsLicenses & partners