AllFi Mobile Wallet
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Get paid, spend, and send money to family. All in one wallet.

Your free AllFi mobile wallet comes with a virtual debit card, physical debit card, and up to 3 companion cards.

Earn3%annual percentage yield (APY) on your wallet balance
Front of the AllFi card, with the sample name John Smith.
The AllFi app Dashboard on a phone: available balance, virtual and physical debit card, gift card and precious metals balances, sub accounts, and buttons to move, load and send money. Names and amounts are samples.
Watch the AllFi movie 5 min 54 sUses about 36 MB of dataUses about 126 MB of data
  • Your Available Balance
  • My Sub Accounts
  • Move Money Globally
  • Send Money
  • Questions? Call 1-800-724-7231

  • No set-up or monthly fees

  • Suspend your account with one click

  • All funds loaded to your AllFi debit cards are FDIC insured.

How it works

Start in 3 steps

  1. Create your wallet

    Sign up on our website with your name and mobile phone number. There are no set-up or monthly fees.

    • If you use functionality where we need to verify your identity, then later we will ask you for your address, date of birth, government ID and a photo ID.
  2. Add money

    Have your payroll sent right to your debit card and get paid 2 days early. Also load cash through a network of over 100,000 retail locations, or load money from a bank account, credit card or debit card. You can even request funds from other users.

  3. Spend or send

    Pay with your debit cards in stores and online. Take out cash at ATMs. Send money to other AllFi wallets for FREE. You can also send money to over 80% of the world’s population in over 60 countries.

Send money to

  • PayPal
  • Venmo
  • Global bank accounts
  • Gift cards
  • 450,000 retail locations
  • Any US debit card
  • Your AllFi debit cards
  • Global mobile wallet accounts
  • Other AllFi users

Watch

The AllFi movie

See the story of AllFi in a short film. It plays only when you tap.

All funds loaded to your AllFi debit cards are FDIC insured.

This film uses about 36 MB of data.

Show the transcriptHide the transcript

Transcript

Money in motion

0:00 Every second of every day, money moves. It crosses oceans, it ignores borders, it never sleeps. As you watch this, 150 trillion dollars is in motion around our planet, utilizing many technologies that are expensive, cumbersome, and many times take too long for people to receive their money.

Built in Austin: Unified Signal

0:23 Hidden away in Austin, Texas, a revolution has been quietly unfolding for 27 years. A company has been building a new financial nervous system for humanity. And it all started with a simple question. What if connecting people to high-tech, cost-effective, and secure financial services would be simple, real-time, and even free?

0:46 In 1998, Unified Signal designed the architecture for what would later become AllFi. Their vision was clear. Build a future where technology would connect people to services that matter in their lives. What began as a wireless provider became something extraordinary. Year after year, connection by connection, Unified Signal and AllFi woven network that would touch millions of lives. 27 years of saving people time and money, years of steady innovation.

The call that changed everything

1:17 Then came the call that changed everything. 2007. The Department of Defense walks through their door with a critical mission. We need to move money in conflict zones. It must be secure. It must be real-time. Lives depend on it.

1:33 What they built for the battlefield would soon transform Main Street. Military-grade security became consumer-grade simplicity. What protected soldiers now protects your grandmother's savings. What moved money in war zones now helps families support each other across continents.

Inside AllFi

1:51 So what exactly is AllFi? Let's go inside. This is a complete fintech ecosystem built on military-grade infrastructure. It processes millions of transactions daily while preventing millions of cyberattacks each month. The result? Zero breaches. Zero downtime. 99.999% uptime availability, which is unprecedented in the banking industry.

The financial firewall

2:18 We call this the financial firewall, and it's brilliant in its simplicity. Imagine your money as a fortress with multiple walls. The first wall, your secure mobile wallet, completely off-network, earning up to 3% APR. This is your vault, your primary defense and completely safe from the outside world.

2:40 The second wall, your virtual debit card, and here's where it gets clever. Keep it at zero balance, and when you shop online, transfer only what you need, make your purchase, then it's back to zero. Hackers see nothing, they steal nothing, you lose nothing.

2:59 The third wall, your physical debit card, which is chip-and-tap enabled, and is protected by the ability to instantly freeze or close the card if it's ever lost or compromised.

3:09 Finally, companion cards. AllFi customers can activate up to three personalized cards that can be mailed to family members anywhere around the world. Companion cards are perfect for teaching financial responsibility to kids or helping elderly relatives stay independent. All protected, all connected, all under your control and supervision, and all debit cards are 100% FDIC insured.

Reaching the people you love

3:38 But protection means nothing if you can't reach the people you love anywhere around the world. AllFi is powered by a powerful technology company named Unified Signal, and together they have created the Mobile Clearinghouse Network. It's not just a name, it's a connectivity promise, connected to 80% of the world's population.

3:57 And when I say connected, I mean your money can reach MoneyGram locations, global bank networks, PayPal and Venmo users, Zelle recipients, Swift transfers, and billions of mobile wallet users all around the world. Over 100 payment providers, all speaking the same language, yours.

Sarah's story

4:15 What this means in human terms. A healthcare worker in Chicago, let's call her Sarah, finishes her night shift. She's tired, but she knows her mother in Manila needs help with medical bills. The old way, drive to a transfer location and stand in line, then pay 15-20% of the money being sent in fees, and many times wait 1-2 days for money to be received.

4:36 Today, Sarah opens her phone, 10 seconds later her mother has the money. Costs, at the most, $4, and many times free. Time saved, priceless. That's the future which Unified Signal enables now.

Built for everyone

4:49 This platform was built to serve everyone, and the numbers tell a powerful story. The unbanked, 4.2% of U.S. households gain first-time access to the digital economy. The underbanked, over 14% of households, escape the predatory fees that keep them trapped in a cycle of poverty. The fully-banked, 81% of households discover a new level of security and control they never knew was possible. One platform that serves every walk of life for all types of people.

5:20 AllFi sees a financial future that's already arriving. A cashless society where everyone has access, where your digital wallet is your lifeline. Where sending money anywhere costs nothing and takes seconds. Where fraud is a distant memory and waiting to receive funds is history. No more transfer delays, no more predatory fees. Finally, secure and real-time money movement for the masses. This is real, this is proven, this is available right now, today, this minute. Welcome to AllFi.

Paid through work

Got AllFi through your job?

  • Your pay can go right to your AllFi debit card.
  • Get paid 2 days earlier and secure your money.
  • Once you receive your debit card, we help you fill out the direct deposit form, and we even email it or print it for your employer.
  • Loading money through your employer is FREE.

Your wallet earns 3% APY

Keep money in your AllFi wallet and earn 3% annual percentage yield (APY).

  • Your AllFi debit cardFDIC insured

    All funds loaded to your AllFi debit cards are FDIC insured.

  • Sub Accounts3% APY

    Create custom sub accounts to manage your money. All balances on your sub accounts receive 3% APY.

  • No initial deposit or minimum balance needed to open your wallet
  • No set-up or monthly fees
  • Send and receive money between AllFi wallets for FREE
  • Get all your balances in one place on our mobile app, including your virtual and physical debit cards

Truth In Saving Disclosure

Initial Deposit and Balance There is no initial deposit or minimum balance required to open this Account.
Annual Percentage Yield ("APY") 3.00%
ATM Fees (domestic or international) AllFi Transaction Fee $1.50 and ATM provider may charge a separate fee.
Foreign Exchange Fee 3.00%
Debit Card Shipping $6.99
Additional Fee Disclosure You may be responsible for transaction fees for other services available within the Platform.
US & International Pin Transaction $.50
APY is correct as of today's date, but is subject to change at any time.

How much are the AllFi Mobile Wallet Fees?

Transaction Cost
Load funds from any U.S. checking/savings account $1.00 per transaction
Transfer funds to any U.S. checking/savings account $1.00 per transaction
Load funds from a credit card (limit of $250 per individual load) 5% of transaction
Mobile Wallet to Mobile Wallet Transfers (Send & Receive) FREE
Transfer funds to Virtual, Physical, Companion Debit Card FREE
Request Funds / Micro Payments Merchant Processing FREE

Enroll Now

Debit cards

Your Visa® debit card, and cards for your family

Get a virtual card to shop online and a physical card for stores and ATMs.

Watch this part · The financial firewall · 2:19
Front and back of the AllFi debit card, with the sample name John Smith.
  • Virtual debit card

    For shopping online.

  • Physical debit card

    For stores and ATMs.

  • Your pay on your card

    Your pay can go right to your card.

  • Balance in real time

    Get your balance in real time on your virtual and physical debit cards.

  • Move money back

    Move money back to your wallet at any time.

Moving money from your wallet to your own debit cards is FREE.

All funds loaded to your AllFi debit cards are FDIC insured.

Cards for your family

Add up to 3 companion cards for the people you care for. They get their own card to buy things online, use at retail, or withdraw funds at ATMs. Monitor their transaction activity and stay in control.

  • Suspend your account with one click.
  • You can also suspend your debit card(s) in real time.

Send money

Send money to family and friends

Send money globally in real time from your phone. Transfer money to over 60 countries.

Watch this part · Reaching the people you love · 3:38
In the app, tap Move Money Globally.Move money to 80% of the world’s population for a fraction of the price or even for FREE.
A world map covered in gold coins.

Where your money can go

  • Other AllFi walletsSend and receiveFREE
  • A U.S. bank account$1.00 per transaction
  • PayPal or Venmo$1.50
  • Any U.S. debit card$1.50
  • Mobile wallets in other countries$2.00
  • Bank accounts in other countries$3.00
  • Cash pick-up in other countries$4.00

Sending money to another country costs $4.00 or less.

Before you send, the app shows the exchange rate, the fee and how much will arrive.

  • Load money from a U.S. bank account for $1.00 per transaction.
  • Ask someone to pay you with Request Funds. It is FREE.
See all fees

Inside the app

Take a tour of the AllFi app

Tap each part of the screen to see what it does.

Watch this part · Inside AllFi · 1:52
The AllFi app Dashboard on a phone: available balance, virtual and physical debit card, gift card and precious metals balances, sub accounts, and buttons to move, load and send money. Names and amounts are samples.
  1. Your Dashboard

    Your Available Balance is the first thing you see. Tap LIVE CHAT and talk to a REAL customer service rep for help.

  2. All your balances in one place

    View your primary wallet balance, virtual debit card balance, physical debit card balance, gift card balances, and investment balances all in one place.

  3. My Sub Accounts

    Organize and manage your money your way. See the total of your sub accounts. Tap More to add one.

  4. Load Money

    Tap Load Money to add money to your wallet. Link an account in Linked Accounts to load from it.

  5. Send Money and Request Funds

    Send money to the people you care for. Use Request Funds to ask for money. Sending to another AllFi wallet is FREE, and so is Request Funds.

  6. Move Money Globally

    Send money to family and friends in over 60 countries.

  7. Pending Purchases and Scheduled Transactions

    Check your Pending Purchases. Use Scheduled Transactions to set up payments for later.

  8. My QR Code

    You have your own QR code. Use it to send and request funds.

  9. Bottom Navigation

    Manage your account settings, mobile wallet, debit card, portfolio (buy and sell stocks, gold and silver), make marketplace purchases, and manage AllFi Wireless.

Get the app

Use AllFi on your Apple device or Android device.

  • Download on the App Store
  • Get it on Google Play

More in the app

More ways to use AllFi

  • AllFi Wireless

    Phone service in the United States. Bring your own device. Plans start at $15.00 per month.

    Three people talking on their phones.
    • 2 GBUnlimited Talk & Text$15per month
    • 5 GBUnlimited Talk & Text$25per month
    • 15 GBUnlimited Talk & Text$40per month
    • 40 GBUnlimited Talk & Text$55per month
  • Illustration: a phone with a list of stocks, gold and silver and Buy and Sell buttons, beside gold and silver bars and the Apple, Microsoft, NVIDIA, Tesla and Amazon logos. Prices are examples.
    Illustration. Prices shown are examples, not live quotes.

    Stocks, gold and silver

    • Buy and sell stocks

      Buy and sell stocks in your wallet.

    • Buy and sell gold and silver

      Buy, move and sell gold and silver from your wallet.

    Like all investments, there’s potential for gains and losses so take charge and decide your pace.

    Not FDIC insured. Not a bank deposit. May lose value.

  • Marketplace

    Make everyday purchases in one online marketplace. No credit card or personal information is used to buy.

    Best Buy, Aflac, Covered and microLOANS logos beside a hand holding a phone with the AllFi app Dashboard. Names and amounts are samples.
  • Two people shaking hands in a bright office.

    Invite friends and family

    Invite friends and family to join AllFi by text or email.

  • Virtual gift cards

    Create up to 5 virtual gift cards for yourself, or send gift cards to others, and load them right from your mobile wallet. Creating an AllFi gift card is a third of the cost of buying one from a store.

Safety

Safe and private

  • Only you get in

    Confirm your identity with a PIN, fingerprint or iris/face scan.

  • Your PIN and question

    Make a 4-digit PIN. Add your own security question, so we know it is you when you call.

  • Encrypted

    The app uses end-to-end encryption.

  • Stop it fast

    Suspend your account with one click.

Your privacy

Our privacy policy says:

For nonpublic personal financial information, ALLFI does not share information with affiliates for their everyday business purposes or marketing, and does not share with nonaffiliates for their own marketing, except as permitted by law or with your direction or consent.

Read our legal documents

Help

Talk to a person

Call, email or chat with us.

  • You can also send a help ticket in the app.
  • Our support team is here 24 hours a day, 7 days a week, 365 days a year.

Lost your phone or card? Call us right away at 1-800-724-7231.

Never put a password, PIN, account number or one-time code in an email.

Never share your password, PIN or one-time code, and never let anyone control your phone. If you think someone used your account, call us right away.

Questions

Questions people ask

Is AllFi a bank?

No. AllFi is a financial technology company, not a bank.

What does it cost?

There are no set-up or monthly fees.

Some ways to move money have a fee. For example, loading from a U.S. bank account costs $1.00 per transaction.

You can see every fee in the fee table.

See the fees
Is my money insured?
  • Your AllFi debit cardFDIC insured

    All funds loaded to your AllFi debit cards are FDIC insured.

  • Your wallet balanceNot FDIC insured

    Your wallet balance is not FDIC insured.

Read the note at the foot of this page
Do I need a bank account?

No. You can add money from your pay, from a debit or credit card, or with cash at stores and ATMs that take part.

What ID do I need?

When you sign up, we ask for your name, address, date of birth and other details.

We may also ask to see your driver’s license or other ID.

You may also be asked for a taxpayer or government ID number, or a selfie.

Can I buy and sell stocks?

Yes. You can buy and sell stocks in your wallet.

What can I do in the app?

See your balance and sort money into sub accounts.

Load, send and request funds, move money globally, and pay bills and invoices.

You can also shop in the Marketplace.

Take the app tour

Ready when you are

Create your free AllFi wallet. There are no set-up or monthly fees.