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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 Visa® 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 Visa® prepaid 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 Visa ReadyLink merchants; Visa ReadyLink merchants may charge a fee for this service.

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

indi is a service 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.
©2020 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC.

What’s New

Version 1.7.0

Hey there! Here's what you'll find in this update:

- [Improved] Setting up a Tax Savings Goal is now optional when you sign-up for an indi account.
- [Improved] When entering your email address, we'll check for typos to help ensure we can communicate with you.

Have questions? You can always email us at support@goindi.com.
Happy banking!
- The indi team

Ratings and Reviews

4.2 out of 5
78 Ratings

78 Ratings

honeygil ,

I love my Indi card!

Great product for me as a nurse working as a 1099 employee, I love how it helps me plan for paying my taxes!

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.

MasterKeyBT ,

Lackadaisical approach to granting access to my own funds...

I’ve only had my card for 5 days and was pretty frustrated with Indi before it arrived. (Been waiting to receive a card for a month)I funded my account on a MONDAY but could not access my funds until Saturday when my card arrived. Then after trying to order furniture for my new home, my card was declined. The salesperson suggested calling Indi and asking them to increase my spending limit just to allow this transaction. I remembered having to do this with Bank of America and Wells Fargo in the past while making a purchase at the Apple Store. This was not an issue at all. But, Indi refused. Since I am making my purchase online because of COVID19 there is no option to split the payments over a few days or between a few cards. Which left me with not being able to make a purchase at all because buying the items individually would not afford me the package discount. The next day, the furniture I chose was sold out. So I’m extremely annoyed that Indi would not increased the amount I’m allowed to spend of MY OWN FUNDS and has yet again denied me access to MY OWN FUNDS. Their daily debit card spending limit of $2,500 does not seem practical considering this is supposedly a BUSINESS ACCOUNT and we have several expenses monthly that are over the spending limit. When I stated this to the Indi Representative and gave an example that questioned how I would even be able to pay rent considering I live in California and pay over $4,000 per month. No solution was offered. He only kept repeating that the daily limit was $2,500. I couldn’t believe there was no attempt to even suggest an alternative or even an attempt made to see if it was even possible to make exceptions for the daily spending limit based on certain circumstances. Needless to say...I will be switching banks ASAP!!!

Developer Response ,

Hello, and thanks for providing this feedback.

I recognize that we were not able to meet your expectations, and I apologize for that. So that we can better meet your needs in the future, our team is working on an update to our limits on purchases, withdrawals, and transfers. We plan to release this update in the next few months to allow indi customers more flexibility when they use their indi card and account.

Our product team would love to learn more about how indi can meet your banking needs. If you would be willing to provide additional feedback, please contact us at support@goindi.com. A member of our team will reach out to chat with you.

-the indi team


numo LLC
80.7 MB

Requires iOS 9.3 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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

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