Global Treasury &
High-Yield Account
An institutional-grade account engineered for founders, high-earning contractors, and multinational entities. Delivers automated daily compound interest, zero FX markups across 40+ currencies, and 18g titanium hardware cards.
Transparent account parameters at a glance
Every limit, clearance timeframe, and return rate is published upfront.
No mandatory initial deposit required to activate your multi-currency routing numbers.
Calculated on end-of-day balances and credited every morning at 00:00 UTC.
High-velocity daily wire and transfer limits with real-time biometric authorization.
True interbank mid-market exchange rate without artificial markups or hidden fees.
Custom laser-engraved dark pine titanium debit card with worldwide express delivery.
Multi-party cryptographic security and partner bank pass-through insurance protection.
Everything included in your account
A comprehensive suite of institutional capabilities designed to accelerate your liquidity.
Automated Yield & Liquidity
Earn an institutional 8.45% APY without locking your principal into certificates of deposit. Your funds remain 100% liquid for immediate bill payments, wire settlements, or card spending 24/7.
- Daily automated compound interest payout.
- Zero minimum balance penalties.
Multi-Currency Clearance Rails
Instantly hold, send, and convert across 40+ currencies with domestic clearing rails (SEPA Instant in Europe, FedNow/ACH in the US, Faster Payments in the UK, Interac in Canada).
- Receive client wires in native currency without intermediary cuts.
- Instant sub-second internal transfers across all Finovo users.
Physical Metal & Unlimited Virtual Cards
Order your laser-engraved 18g dark pine titanium card and generate unlimited single-use or merchant-locked virtual cards for secure online subscriptions and travel.
- 0.00% foreign exchange markup on all global card spending.
- Instant in-app freezing and biometric CVV generation.
Real-Time Financial Intelligence
Gain complete visibility into your cash flow with algorithmic predictive spending forecasts, automated expense categorization, and seamless export to QuickBooks, Xero, and CSV.
- Automated monthly PDF statements and tax audit reports.
- Real-time push notifications on all deposit settlements.
Simple, paperless verification in 160+ countries
Opening a Finovo account is 100% digital. Our automated verification engine scans biometric credentials in real time to approve your account in under two minutes.
Government Photo ID
Valid Passport, National Identity Card, or Driver's License.
Biometric Liveness Scan
Instant 5-second facial verification using your phone or web camera.
Residential or Business Address
Utility bill, bank statement, or registered business incorporation docs.
Automated Compliance Radar
Fully compliant with FATF, FinCEN & GDPR guidelines
Your personal and corporate data is encrypted with AES-256 military-grade protection and never shared with advertisers or predatory third-party data brokers.
Transparent pricing with zero hidden surprises
We believe in complete pricing transparency. Here is every fee associated with your account.
| Service / Feature | Finovo Global Treasury Account | Commercial Bank Average |
|---|---|---|
| Monthly Account Maintenance | $0.00 / Free | $15.00 - $35.00 / mo |
| Inbound Domestic & SEPA Transfers | $0.00 / Free | $10.00 - $15.00 |
| FX Currency Conversion Spread | 0.00% (Mid-Market Rate) | 3.00% - 5.00% Markup |
| Titanium Metal Hardware Card | Included Free (Express DHL) | Not Offered / $100+ |
| Minimum Balance Requirement | $0.00 (No Minimum) | $2,500 - $10,000 |
Start shaping the future of your
wealth
Join over 2.4 million forward-thinking individuals and businesses using Finovo to unlock seamless, intelligent, and boundaryless global banking.
