Money,
refined.
Hold and spend in 38 currencies. Move money in seconds. Earn 4.1% on your idle cash. Karat is the global account built for the 14 million people who already crossed a border this year.
- Bluebottle CoffeeTokyo · JP¥840≈ $5.47
- LufthansaFrankfurt · DE€1,284≈ $1,387.21
- Salary · Acme Co.Direct deposit+ $9,420.00
- Whole FoodsBrooklyn · US- $84.31
- Vault transferto “Taxes”- $1,200.00
The bank, the broker, and the FX desk — in your pocket.
Karat replaces the bank, the broker, the FX desk, and the spreadsheet you keep meaning to update. Everything lives behind a single card and a single login.
Spend in 38 currencies
Live mid-market rate. No mark-up, no surprise fee, no “international” line on your statement.
Invest from $1
Fractional stocks, ETFs, and bonds straight from your account. Recurring buys, tax-loss harvesting built in.
Vaults that pay 4.1%
Auto-sweep your idle cash into FDIC-insured vaults yielding 4.1% APY. Move it back in two taps.
Crypto, sanely
Buy and sell BTC, ETH, SOL with 95% cold-storage custody. Self-custody anytime in two taps.
Tax on autopilot
Every transaction auto-categorised. Year-end pack ships as CSV, OFX, or signed PDF.
24/7 real humans
Voice or chat, twelve languages, median response 47 seconds. The agent who picks up can unblock the card.
18g of brushed titanium.
Zero ego.
No raised numbers, no flashy logo, no “founder edition” tier we upcharge for. Just a clean piece of metal that pays out 1% back on every spend abroad and unlocks airport lounges from the third trip per quarter.
- 18g
- brushed titanium
- 1%
- back, every FX swipe
- 1100+
- lounges, world-wide
“The most pleasant card I've used in a decade.”
“Revolut's clearest threat in EMEA.”
“Finally, a neobank for grown-ups.”
Your better account
is one tap away.
Sign up takes a passport, a selfie, and your tax residency. The card lands on your doorstep in three working days.