New
Instant Savings now pays 4.10% AER
Banking, minus the noise.
One calm account for spending, saving and sending money worldwide. Open it in minutes — no branches, no hidden fees.
Ana sent you £40.00
Concert tickets · Just now
Join 2M+ people
who’ve made money feel calmer
4.8
App Store rating
2M+
Customers in 38 countries
£0
Monthly fees on Standard
Everyday banking
Everything your money needs. Nothing it doesn’t.
Spending, understood
Real-time alerts and smart categories show where every pound goes — the moment it leaves.
October spending
£1,842.60
Groceries
34%
Travel
22%
Eating out
16%
Other
28%
Savings that grow daily
Interest paid every single day, with instant access whenever you need it.
4.10%
AER (variable), paid daily
Japan trip
£1,240 / £2,000
Rainy day fund
£3,860 / £5,000
New laptop
£520 / £1,500
Virtual cards in a tap
Spin up single-use cards for online shopping. Freeze any card instantly.
Online shopping
Virtual · •• 7702
Send money instantly
Pay friends in seconds, split the bill and request money with a link.
MC
LS
+3
Split £86.40
Real people, real money
Built for the way you actually live.
Tokyo fund
£1,240 of £2,000
Maya, 29
Rounds up every coffee into her Tokyo fund.
Invoice #204 paid
Studio Kite · USD
+$2,400
Dev, 34
Gets paid in three currencies and keeps every cent.
Dinner at Oto
4 ways · £21.60 each
Settled
Ana & friends
Split the bill before dessert arrives.
Global by default
Spend and send in 30+ currencies.
Hold, exchange and send money abroad at the real exchange rate — no weekday markups, no surprises at checkout.
The real exchange rate, every time
Transfers to 160+ countries
Fee-free card spending abroad
Security
Protected by design, around the clock.
Protected deposits
Your money is held with regulated partner banks, kept separate from ours.
Biometric approvals
Confirm payments with Face ID or your fingerprint. Nobody else can.
Freeze in one tap
Lost your card? Freeze it instantly — and unfreeze it just as fast.
Get started
Open your account in minutes.
Download Orbit, verify your ID and start spending — all before your coffee cools.
Free to join · No monthly fees on Standard