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Referred through an indi partner? You're in the right place! indi is currently available only through select partners.

indi is smart banking for independent workers. Bank on the go, save for taxes, and track expenses—all in one app.¹

Whether you’re self-employed, a freelancer, an independent contractor, or working a side gig, indi is designed for you. indi is an FDIC-insured account² with a debit card³ and mobile banking app built for independent workers. Use indi to bank smarter, save for taxes, and maximize expense deductions—all in one account, right in your pocket.

No signup fee. No monthly service fee. No overdraft fees. No minimum balance requirement.



Income taxes are not automatically withheld for most 1099 workers. indi is here to help you be better prepared come tax time.

indi is a single account that lets you visualize your balance as two categories—Okay to Spend and Tax Savings.⁴

Tell us about your income, and we’ll calculate an estimated amount you should save to cover your federal and state taxes.⁴

Set up direct deposit to start funding your indi account. As you get paid, indi can designate a percent of each deposit to Tax Savings.⁴

The money reflected in Tax Savings is available anytime. If you dip in, indi will alert you and increase the percent that you designate moving forward.



Use your indi debit debit card for purchases—work or personal. Categorize deductible expenses as soon as you swipe.

Set up indi to designate a percent of each deposit to help you reach your Tax Savings Goal.⁴

Capture and upload receipts directly to indi.

Enjoy no signup fee, no monthly service fee, no minimum balance requirement, and no overdraft fees.

Rely on indi for tax payment reminders, intelligent tips, and real-time notifications.



All indi accounts are FDIC-insured up to the maximum amount permitted by law.

Withdraw cash fee-free at over 18,000 ATMs in the PNC network. Deposit cash at retailers nationwide.⁵


1. A supported mobile device is needed to use this mobile app. Standard message and data rates may apply.
2. indi is a prepaid account. Your funds will be held at PNC Bank, National Association and are eligible for FDIC insurance, subject to FDIC insurance coverage limits.
3. The indi prepaid debit card is issued by PNC Bank, National Association.
4. indi's Tax Savings Goal feature is not a substitute for individual tax planning or for legal, financial, or tax advice. This feature is intended only as a tool to provide a basic sense of your potential tax savings needs. Because indi will not know everything about your finances or your personal situation, your Tax Savings Goal may be more or less than your actual tax liability. The Tax Savings Goal does not account for local taxes. Using funds designated as Tax Savings for other spending may leave too little money to pay your taxes.
5. indi cardholders can withdraw cash at any ATM. Cash deposit locations are limited to PNC ATMS; and Visa® ReadyLink merchants (for Visa cardholders) or Mastercard® rePower merchants (for Mastercard cardholders); merchants may charge a fee for this service.

Visa is a registered trademark of Visa International Service Association and used under license.
Mastercard is a registered trademark of Mastercard International Incorporated.

indi is a registered mark of numo llc, a subsidiary of The PNC Financial Services Group, Inc.
PNC and PNC Bank are registered marks of The PNC Financial Services Group, Inc.
©2021 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC.

What’s New

Version 1.21.0

Hey there! Here's what's new in this update:

- [New] Love using indi, or have some ideas? Send us your thoughts through the feedback menu!

Happy banking! - The indi team

Ratings and Reviews

4.3 out of 5
597 Ratings

597 Ratings

Jaclyn Kent ,


The only thing that makes it a little hard for me to use and work with is that the transaction history are not showing up in real time. I do understand that it’s a fairly new app, and being an artist i have a convenient way to access my hard-earned money. Keep it up!!

wadsofTruth ,

Disappointed in the ability to protect and resolve fraud

I’m not very happy right now. Yesterday my account was Wiped out. Today I’m still broke. I can’t take care of other bills, medical needs, etc. INDI can’t tell me squat and say I have to wait Ten days at a min. That’s fine with me but who will tell my landlords, my body/medications ratio, my credit agencies/ oh and my families stomachs? Shall I let the kids know they won’t be eating for 10 ten days minimum… or do you guys do that? And please do not respond to this as if you’re going to help and so everyone can see it. I’ve already asked you. And. Have not been given a rational answer
You just canceled a card that Wasn’t missing or stolenz some apparently Made one of their cards! And they can not tell the difference??? Omg is just insane sounding !!!!!! A simple uuid could fix that. !

amys spot llc ,


So after hours of phone calls I get a response saying they have no way of telling me where my money went all I asked for was where they blame the other bank which never received it I just want to know where the hell my $2000 went they give you generalized answers and no solving of the issue it’s been a week already with my money no where to be found the app does not give you the I formation needed to verify account and routing numbers of an ach transfer and apparently they can’t tell you where they sent it either smh so who is responsible for my money if no one has it but I initiated the transfer two out of four deposits went thru help
Mindy Williams
Amy’s spot llc

Developer Response ,

Hello! Thanks for sending this feedback. If you contact us at support@goindi.com, we would be happy to look into this issue for you. In general, transfers to external accounts may take up to three business days to complete. If your deposit still hasn't posted to your external account after three business days, please let us know so that we can look into this matter for you.

App Privacy

The developer, numo LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Identifiers

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.