Smarter spending. Easy saving. Real rewards.
Take control of your money with Percapita—the all-in-one app for spending, saving, budgeting, and building financial wellness.
- No hidden fees. No hoops.
No minimum balance.
No monthly fees.
No overdraft penalties.
Just real tools for real people.
- Your money is safe and secure
Eligible for up to $250,000 in FDIC insurance through Sutton Bank, Member FDIC [2]
Percapita Visa® Debit Card you can use everywhere Visa is accepted*
Full data encryption and multi-factor authentication (2FA)
- Get paid when you need it [3]
Access up to $1,000 of your earned wages before payday
No credit checks, no hassle
- Save automatically with Penny Jar [4]
Every debit card purchase rounds up to the nearest dollar
Build savings without even thinking about it
- Build your credit with rent payments
Get rewarded for the rent you already pay [5]
Powered by Rock the Score
- Earn cash back rewards
Spend $300/month, get $25 cash back—up to $300/year [1]
- Send money internationally
Fast, affordable transfers to 75+ countries [6]
- Budget smarter. Plan ahead. Stress less.
Create needs-based and goal-based budgeting accounts
Set budgets that fit your life, not someone else’s
- Real human support.
US-based, bilingual customer service
A convenient in-app chat Why Percapita?
Because your money should work for you—not against you.
Download Percapita today and start spending smarter, saving easier, and building the financial freedom you deserve.
Start for free. Stay for free.
Your money. Your way.
Disclosures
Percapita is not a bank. We are a digital company that provides access to financial services. The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted.
[1] Restrictions apply. See full promotional details at http://percapita.com/earn300
[2] The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and deter- minations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at FDIC: Federal Deposit Insurance Corporation | http://www.fdic.gov.
[3] Early wage access powered by Immediate Solutions, Inc.; terms and limits apply.
[4] Penny Jar is an optional program provided by Percapita, not Sutton Bank.
[5] Rent reporting and credit building powered by Rock the Score, LLC; eligibility applies.
[6] International transfer services provided through Brightwell Payments Inc., and Bancorp. Brightwell Payments Inc. is a technology provider and not a bank or other regulated financial insti-tution. All regulated international transfer services associated with ReadyRemit® are provided by The Bancorp Bank N.A. Terms and conditions apply. Verification times vary and may delay the delivery of funds to the receiver. Restrictions may apply. See transfer terms and conditions for details.
I cannot tell you how immensely amazing Percapita is. I have and have used every bank (chime, Varo, Monzo USA, Paypal, etc). This is something to definitely check out and try. And when they say 2 days early for direct deposit, they MEAN it! My only two concerns: 1) I LOVE the security fraud alerts that come through for transactions that may or may not be authorized. However, they seem to come quite often, almost with every transaction and that’s a little tedious. I would hope the system can generate a good algorithm to know it’s customers when a transaction goes through.2) With the immediate pay, the cash advance is only caters to customers and of their employers if they sign up through them. I kind of hope that will change, and that would allow per capita to have their own cash advances before payday through the amount of direct deposit that comes through to their bank and not just use a third-party. However, I think it’s also a great idea as well.Design is very simple, but I can see this bank going and growing ! You have my vote!
Fraudulent DO NOT
DO NOT .. THEY STOLE
My card was reported stolen from the Company Percapita without my knowledge or permission.. I never reported anything stolen nor disputed any items… They reported my bills on the account unauthorized and got them all cut off .. it’s been over a week they have not communicated anything correctly to me & when I call I speak to the same man Over 4 times the same man picks up and can’t explain anything to me . He states a email will be sent but it’s the same email that’s states please reply with disputes I NEVER EVER DISPUTED ANYTHING ON MY ACCOUNT .. nor REPORTE ANYTHING STOLEN NOR UNATHORIZED .. I have a clear paper trail with no correct communication.. no refunds nor any credits.. nothing about anything being unauthorized.. This company had my card reported stolen and my bills reported authorized and cut off .. Without anything consented from me..& no answers for anything but emails that have already made templates that’s don’t even make sense for my calls, refunds , credits nor ANYTHING ITS A SPINAROUND AND ITS BEEN A WEEK AND MY BILLS ARE OFF AND NOTHING
Percapita. The way money should be.
ChelsieAmber
I’ve tried a lot of financial apps, but Percapita actually makes it easy to manage my money in one place. The signup was quick, I got both a physical and digital debit card right away, and I love that I can track spending, budget smarter, and even earn rewards, all in one app. If you’re looking for a simple digital banking option, Percapita is worth a try!
Everything you could want in a banking app
JaymieReadsBooks
I’ve been using Percapita for the past 10 months, and it’s really helped me turn my spending habits around. I especially appreciate how it breaks down my spending by category—it makes it so much easier to see where my money’s actually going.
Bug fixes and enhancements
Version 2.11.1
The developer, Percapita Group, Inc., 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 Linked to You
The following data may be collected and linked to your identity:
Purchases
Financial Info
Location
Contact Info
Identifiers
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
Percapita Group, Inc.
Size
126.8 MB
Category
Finance
Compatibility
Requires iOS 14.0 or later.
iPhone Requires iOS 14.0 or later.
iPad Requires iPadOS 14.0 or later.
iPod touch Requires iOS 14.0 or later.
Mac Requires macOS 12 or later and a Mac with Apple M1 chip or later.
