Take your money further

Open an Affirm Money™ Account today so you can earn a high APY on your money, set up direct deposit, and more. Plus, it’s free to open and there are no maintenance or overdraft fees.

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We’re well worth the switch

Super simple

Created to make saving easy—from opening your account to transferring money, and everything in between. Available online or in our app.

4.35% APY

Our high-yield bank account has one of the best rates around—so you can sit back and watch your money grow.

No minimum. No fees.

Get started with just one penny. Plus, we never charge fees—because we believe you should keep your money.

Open your account

See how our Annual Percentage Yield (APY) compares to the National Deposit Rates. This APY is effective as of 08/18/2023 and may change at any time before or after account opening. Affirm Money Accounts are held with Cross River Bank, Member FDIC. No minimum balance is required to open an account or receive the advertised APY.

Have questions? We’re here to help!

Does the Affirm Money Account earn interest? How is interest calculated?

Is my Affirm Money Account FDIC-insured?

Will my APY ever change?

Pay on the go, wherever you go

Download the Affirm app and discover a new way to pay over time almost anywhere.

Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount, may vary by merchant, and may not be available in all states. A down payment may be required. For example, a $800 purchase could be split into 12 monthly payments of $72.21 at 15% APR, or 4 interest-free payments of $200 every 2 weeks. The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not an FDIC-insured bank. FDIC insurance covers accounts held with CRB in the event of a CRB failure. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681. The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust, Member FDIC, pursuant to a license from Visa U.S.A. Inc. The Affirm Card is not available to residents of U.S. territories. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.