AFFIRM MONEY™ ACCOUNT

Take your money further

Open your account

Level up your banking with the Affirm Money Account—featuring a high APY, your very own Affirm Card, and more. Plus, it’s free to open and there are no maintenance or overdraft fees. 

Debit with a flex

Bring the power of Affirm to your wallet

The Affirm Card™ is an everyday debit card with two ways to pay. Use it to pay in full or request to pay over time in the app with no late fees or compound interest.

Grow your money with 3.85% APY

Your high-yield spending account is here

Enjoy a high Annual Percentage Yield that helps you earn faster. You’ll get the benefits of a savings account with the flexibility of a checking account. See below for details.

Say goodbye to banking fees

Affirm won’t charge you fees, period

That means no card, account, or overdraft fees, and no required minimum balance to keep your account open.

Phone highlighting coffee purchase in a list of transactions.
Phone showing an interest accrual in a list of transactions.
Phone showing savings account balance, and no account, overdraft, or card fees.

See how our Annual Percentage Yield (APY) compares to the National Deposit Rates. This APY is effective as of 09/23/2024 and may change at any time before or after account opening. No minimum balance is required to open an account or receive the advertised APY.





Get paid early

Access your money up to 2 days early with direct deposit.

Super simple

Created to make growing your money easy—from opening your account to transferring money, and everything in between.

Safe and secure

Your funds are insured up to $250,000 through our partner, Cross River Bank, Member FDIC.

Early access to direct deposit funds depend on the timing of the payment file from the payer and is not guaranteed. Affirm is not a bank. The Affirm Money Account is held by Cross River Bank (CRB), Member FDIC, and is insured up to the federal limit of $250,000. The federal limit applies to all money held by you at CRB, and FDIC insurance will only cover the failure of CRB.

Have questions? We’re here to help!

Take the Affirm Card™ everywhere

Make the most of the Affirm Card with the Affirm Money Account. Once it’s open and funded, you can pay in full anywhere Visa is accepted in the US. Or request to pay over time in the app.

Meet the Affirm Card
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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 a bank. FDIC insurance covers accounts held with CRB in the event CRB fails. 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 (Evolve), Member FDIC, pursuant to a license from Visa U.S.A. Inc. Affirm is not a bank. FDIC insurance will only cover the failure of Evolve. Learn more. The Affirm Card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by Sutton Bank, Member FDIC, or Celtic Bank, pursuant to a license from Visa U.S.A. Inc. Affirm, Inc., NMLS ID 1883087. Affirm Loan Services, LLC, NMLS ID 1479506. For licenses and disclosures, see affirm.com/licenses.