Exciting changes ahead. Read now about an upcoming change to Spiral’s banking services.arrow
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Become an
Everyday Hero

Banking that rewards you
for making an impact

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five stars reviews on the AppStore
five stars reviews on the AppStore

Make an Impact
Every Day
with Spiral

Just Swipe and
Make a Difference

Instant Impact

Shop at any restaurant, coffee shop, gas station, hotel, and more, and well automatically make a donation for every purchase (at no cost to you) so you can make an instant impact every day. With every swipe, you can plant trees and provide clean water, meals, and nights of safe shelter to people in need.

Round Up

With every swipe of your Spiral Visa® debit card, you can round up automatically to the nearest dollar and use that money to support causes and communities you care about. Every cent rounded up makes a difference every single day!

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Not Just Checking &
Accounts, but the World’s FirstGiving Account

With Spiral you can easily support causes you care about and quickly discover new charities² that align with your values.

Donate through Spiral to more than 1M nonprofits and we’ll match your donation up to $150 a year³.

We’ll even help you track your charitable contributions for tax purposes.

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Maximize Your
Financial Freedom

Bye bye monthly fees

No minimum balance. No monthly fees.
No ACH transfer fees.

Early money, extra money

Get your paycheck up to 2 days earlier.
Get rewarded for making an impact. Just set goals…

Easiest way to manage your money

Spend anytime, anywhere. Connect your external bank accounts, Venmo, Cash App, PayPal, Apple Pay, Google Pay, and more.

Personal customer service

We believe in people, not robots. Our personal customer service team is ready to help you with every need, we’re just a phone call away.

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Customers LOVE Spiral

Your Security & 
are Our 

audited by independent security contractors

Peace of mind security

The Spiral Platform is audited by independent contractors and security controls are tested for operational effectiveness.

card lock protection

Card lock

Lock your card anytime if it’s lost or stolen.

Apple Fingerprint & Face ID lock

Fingerprint & Face ID lock

The Spiral app is extra secure using Apple's fingerprint & Face ID lock protection.

FDIC insured


All deposit accounts are issued by nbkc bank, Member FDIC. Deposits can be insured up to $5,000,000¹.