Beautifully designed banking made for high net-worth individuals.

More than you’d expect.

We’re a new kind of exclusive bank. We’re more than a checking account, more than a debit card, and more than you’d expect from your bank.

The first modern private bank designed for you.

The banking and financial
platform of the future.

Letter makes it easy to give customized debit cards to family members and staff, automatically donate to charity, access investment opportunities that are only available to high net-worth individuals, and so much more.

Card design, refined.

We've designed and built our scratch resistant steel debit card to be the best card you'll ever use.

  • Solid stainless steel body.
  • Wireless NFC chip for contactless payments.
  • Scratch resistant coating.
  • Precisely engraved.
  • Full card number hidden for security.

Smart wireless NFC

Wireless NFC means the Letter card is smart.
Hold the card near a register to pay.
Hold the card near your phone to activate & more.

Apple pay + Google pay

The Letter card works with both Google & Apple Pay for easy, on the go payments.

Legacy payments

The Letter card works at terminals that only support swiping or dipping.

Serious about security.

We've got you covered.

Serious about security

We got you covered.

Set your limits.

Every Letter card, physical or virtual, has a configurable limit. That means you never have to worry about exposing your full account balance to card theft.

Sensitive details kept safe.

The Letter card hides your full account number, expiration, and CVC so you don’t have to worry.

FDIC Insured deposits.

Every Letter account is FDIC insured up to $250,000.

One-tap card locking.

Easily suspend and re-activate any card at any time from the Letter app.

Real-time acitivity notifications.

Know when money is moving in or out of your account and cards with configurable realtime notifications.

No fees

All the features you’d expect, with none of the fees.

Transparency means, no surprise fees.

  • No monthly or service fees.
  • No minimum balance fees.
  • No ACH fees.
  • No overdraft fees.
  • No in network ATM fees.
  • Free domestic wire transfers.

Elevate your banking experience and get more from Letter.

We’re pioneering next level banking.

Multiple physical cards.

Create multiple physical sub-cards on your account for family or staff. Each card can have its own unique card holder name and card balance.

Multiple checking accounts.

Create multiple FDIC insured checking accounts with ATM access.


Send and receive ACH and Wires.

Charity donations.

Anytime you use one of your cards, you’ll automatically be sending a tax deductible donation to the charity of your choice.

Unlimited virtual cards.

Create any number of virtual cards; a real debit card number, but without the physical card. These cards can be used anywhere debit cards are accepted and can even be used with Apple Pay and Google Pay.

User accounts.

Add any number of users to your Letter account, each with custom permissions and access levels.

Easy account management.

Manange everything from the Letter app or website.

Partnering with charities to make a difference.

The power of giving with every swipe.

Every time you use your Letter card, we’ll automatically give a tax deductible donation to the charity of your choice. You’ll get to choose from one of our four partner charities.

Providing healthcare for people in need around the world.


Zero interest small business loans for underserved businesses.


Providing basic necessities and hope to children living in poverty.

Children incorporated

Giving people in developing countries access to clean water.

Charity Water

Zero interest small business loans for underserved businesses

Zero interest small business loans for underserved businesses

Zero interest small business loans for underserved businesses

Zero interest small business loans for underserved businesses

Track your donation progress.

The Letter app makes it easy to see the impact your donations have on real people. Close your ring in the app to feed a child, build a well, pay for life saving operations, or give a 0% interest loan to a small business in need.

Our debit card brings a paradigm shift to cash-back: It's not about what you get, it's about what you give.

The future of banking is here, join our waitlist for early access.

Get early access