Earn a steady 1.7–7% in your sleep, FDIC-insured. High interest bank account, now for the rest of us. Best paying bank account for all.


Did you know that U.S. banks today earn on average 4–8% a year on every dollar you deposit into your bank account, passing onto you just 0.01% a year in interest? Banks earned $240 billion in profit in 2018; they can do more for the rest of us.

Beam is a free, fun, high-interest mobile bank account that grows your cash in your sleep. Download the free app to earn 1.7–7% a year, 200x more than your 0.01% interest at Chase, Bank of America and Wells Fargo. The best part, you do not need to switch banks to use it. All funds are FDIC-insured up to $500,000.


Did you know that $100 during the Financial Crisis is now worth only $80? Because of inflation. Right now, with just 1 minute of your time, you can stop your idle cash from losing 2% a year to inflation, and help build a better America.

As featured on CNBC, The New York Post, Forbes, ABC, Techcrunch, Beam is a bank app that pays more cash, funds FDIC-insured, 0 fees (FREE!), no minimum, unlimited and anytime withdrawals. It takes just 1 minute to onboard, and you do not need to switch out your existing bank. Come join us on a mission to change banking for the better, and keep more in consumers’ pockets.


① Download Beam ② Verify your identity ③ Link your existing bank account(s) to fund Beam on your phone, with as little as $1 ④ Start earning 1.7–7% interest on your cash, funds FDIC-insured with unlimited withdrawals. ⑤ Invite friends to earn a higher interest, and earn more together.

BEAM = Because Earnings Always Matter, especially when it takes little to no effort. Access your funds and earn interests anytime, anywhere, as easy as a few taps. More possibilities and uses to come! Oh and don’t forget it’s FREE, forever.

BEAM = Banking as it should be. Because you matter, and the best possible rate matters.


A mobile banking app that gets you paid daily, in your sleep. Earn 1.7–7% interest*, more than 200x your 0.01% interest at Chase, Bank of America and Wells Fargo.


No asterisk. Zero fees means absolutely FREE, in any possible way you can think of.


Safety and security is our top priority. SSL protected, 256-bit encryption. All funds FDIC-insured up to $500,000.


Get 24/7 access to your funds. Easily and securely move funds into/out-of your Beam account. No minimum balance.

FAQ #1 - How is Beam able to pay more?

Traditional banks often earn 4–8% a year on your money but only give you an average of 0.01% a year. These banks often have many costs—excessive executive bonuses, large advertising budgets, and costly downtown bank branches, etc. Without these costs Beam is able to pass on greater savings to you.

FAQ #2 - Where is my cash?

Your Beam account is a bank account, NOT an investment account. Funds are placed at several large, publicly-traded FDIC-insured banks Beam works with.

FAQ #3 - How does 1.7–7% work?

With cash deposited into Beam, you begin earning a minimum 1.7% Base Rate interest and can boost the interest to as high as 7% each day by collecting and using interest boosts (called a “Billie”). You can effortlessly collect a free Billie each day, and if you invite a friend to subscribe to the mailing list here on this website, you each earn 5 Billies that can be saved and used later. The more you invite, the more you earn. You heard it right. It’s just that simple.

Furthermore, when your friends begin to use Beam, you can permanently unlock higher Base Rates (e.g. up to a minimum 3% a year!).

FAQ #4 - Why Beam if I can invest?

Choose to invest only when you see an opportunity. Before you invest, keep your cash at a liquid, FDIC-insured, high-interest bank account like Beam. After you invest, if the market crashes, Beam is where you can fall back on.

* Accurate as of 9.23.2019; may change.

What’s New

Version 3.0.14

Bug fixes and improvements.

Ratings and Reviews

4.1 out of 5
41 Ratings

41 Ratings

BBTango ,

Perfect Piggy Bank

Teaching kids the value of delayed gratification is easier when the interest earned is meaningful. Earning 3% is a much better teaching tool than earning 0.3%. My kids can see the value of earning $3 per year for every $100 saved. Don’t think they would care as much about 30 cents though!

e1z9 ,

Returns overstated, 24/7 access to funds is BS

Most banks make funds available upon the transfer date when initiated within said bank. Beam waits until the money is actually transferred and clears before allowing you to earn interest on it. There is a paid of typically about 24 hours when you have no visibility to your money from when it transfers out of the external account until when you can see it within Beam

Besides that the app works much better than when in private beta.

For most users this app will not provide a higher interest rate than a standard high-interest online bank like Marcus or Vio Bank. Billies more often than not provide an interest boost of much less than 0.5%, so numerous billies are required to go beyond 2% - 2.2% as available in banks mentioned earlier. It often takes me 7 billies to get to 4-5% interest. So 7% is possible but entirely improbable for your average user

hexon ,

Deceptive marketing

I signed up for early beta testing that never came. So when I finally signed up for real with the general release I couldn’t even remember what the company’s purpose was anymore.

My first complaint is that I was mid-transfer with funds from my discover account to beam when I realized they were lying about my current interest rates with discover bank. The app made it seem like I would be moving from a discover account with 0.01% interest to beam with 1.7% interest, which would obviously be a no brained. In reality I was already earning 1.88% with discover bank, so I canceled the transfer.

2nd: to earn higher than 1.7% you can use your daily “billies” to level up your interest to a higher rate....for a day. To earn billies you have to recruit friends to sign up for the app. PASS!

Developer Response ,

Hi! Thanks for reaching out and reporting this bug. Beam currently cannot track the interest rate other banks are offering because 1) they change ALL the time 2) there are often more than one rate products for each bank, so it'll be impossible to know what rate your linked bank account is actually paying. As a result, in the Beam app you can edit those displayed rates so that it's easier for you to compare and track on your own. Before you edit, however, the default rate is 0.01%, which has likely caused some confusion. In our subsequent iterations of the app we will be sure to correct that to "n.a." instead to be more precise. Thanks again for letting us know so we can improve! As for Billies, well, it's optional and not obligatory; Billies are simply our way of a loyalty reward, and a way to reward community members who are open-minded about sharing the benefits of a High-Interest Bank Account (HIBA) to family and friends. Without Billies, 1.70% is still an excellent rate, better than Chase, BofA, any many others. Inviting 2 friends to Beam will enable you to increase your minimum rate to 2.00%; 4 friends will enable you to increase your minimum rate to 2.50%, which is by far the best possible rate on the market. All this can be done without using Billies, even though Billies are free. Hope that helps to clarify, and let us know at if you need anything else!


Beam Financial Inc
120.1 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
© 2019 Beam Financial Inc.


  • Family Sharing

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

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