Modern private banking for the new generation

Unified Premium Banking, Wealth & Lifestyle
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Backed by:
Supporter One Way VenturesSupporter GoodwaterSupporter Y CombinatorSupporter 186 VenturesSupporter GFCSupporter Village GlobalSupporter Olive Tree CapitalSupporter One Way VenturesSupporter GoodwaterSupporter Y CombinatorSupporter 186 VenturesSupporter GFCSupporter Village GlobalSupporter Olive Tree CapitalSupporter One Way VenturesSupporter Goodwater

Upgrade your personal bank account

Onyx is a unified premium banking and investments app

Earn more with Onyx Private
Make your money work for you
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Multiple Checking Accounts
$250,000 FDIC insured & yield accrued daily
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High Yield Cash Sweep Account
$500,000 SIPC insured account, custody by BNY Mellon
7-day yield
Illustration U.S Treasuries
U.S. Treasuries - T-Bills
100% backed by the US government & state tax exempt
5.27% +
Annualized Yield
High limits and no transaction fees for global ATMs, wire transfers, and ACHs
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Add up to 4 family members and friends at no extra cost
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Pay your bills with more advantages:
1% Cashback: Pay your credit card bill via ACH, and get 1% back in your Onyx Account.
More convenience: Let our payment concierge pay all your bills.
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17g Metal Card
Make your daily purchases using our physical debit cards, and earn a cashback on every transaction.
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Multiples Virtual Cards
Create burner single use cards, have multiple virtual cards, and set specific limits for security and convenience.
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Invest in safe high-yield U.S. T-Bills from your app in just 3 clicks
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Personalized Investment Portfolios
Low Minimums and low fees. Tax-loss harvesting & Direct indexing robo-advisory portfolio adjusted based on your risk profile
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24/7 Global Lifestyle Concierge 
Lightning-fast human service via in-app chat <2min response times. No chat bots. Research, recommendations and reservations across dining, travel, experiences, events and gifts. Onyx members also enjoy preferred pricing, priority access & exclusive benefits.
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Simplify your life with our user-friendly interface
Manage your money easily and conveniently
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24/7 premium customer service
Human Relationship Manager via in-app chat with fast response times.
Apply now
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As featured in:
Tech CrunchBloombergRefresh MiamiYahoo newsFintech GlobalSouth Florida Business JournalTech CrunchBloombergRefresh MiamiYahoo newsFintech GlobalSouth Florida Business Journal
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See what our clients have to say:
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I saved over $200 my first month using Onyx! it’s a great app to explore deals - whether it’s for everyday purchases or for luxury travel. the concierge is super helpful - I can ask them to help plan activities, make reservations and propose travel options”
Justin Hoffmann
Tech Founder
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Onyx has significantly improved my banking experience and has become an essential part of my financial routine. My partner and I both rely on it regularly and would find it difficult to manage without it. I love the high limit debit card with at least 1% cashback on all purchases and it is incredibly easy to transfer money via wire transfer. This and the bill pay feature are life savers for those with very little time."
Emanuel Moecklin
Software Engineer
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Onyx is far above what I experienced with my other bank. I´m able to cancel and create cards instantly. Onyx has great customer response time if you have any questions, and the user experience of sending and saving money on the platform is easy and very esthetically pleasing. When I needed to find a Christmas gift for my husband, I submitted a request and within 24 hours I had a detailed report with 6 great options."
Elise Vivian
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I am very happy with Onyx Private! I invested in Treasury Bills and it was super easy and safe. I also invested in a portfolio with the Robo-Advisory, which was super quick and helped me choose my risk level. I get to see what kinds of stocks/bonds are invested. I also love how I get a high-yield in my checking account so I earn free money from the interest. The app is super modern and nothing like any of my other banks.”
Nicholas Eschelbach
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Onyx has given me access to many financial tools that allow me to maximize my investments even when not invested and in my checking account. The ease of use for accessing and moving funds helps with my lifestyle as I like to be flexible when I make investments. The Onyx concierge app has been a godsend in making recommendations for restaurants and hard to make reservations. My friends are impressed when I am able to schedule dinners and vacations at ease. Onyx has made my life more efficient 5 stars.
Robertino San Diego
Director of business development
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As a user of their services, I am consistently impressed with the ease and convenience of their app. It is a beautifully designed user interface.One of my standout features has been the ability to invest in T-Bills directly from the app. Overall, I cannot recommend Onyx Private enough to anyone looking for a safe, easy, and reliable way to invest their money."
Terri Todaro
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I have been extremely satisfied with my experience with Onyx Private.As someone who values earning rewards and saving money, the opportunity to earn cashback on every credit card payment has been incredible.Another feature that I really appreciate is the Concierge. Their team is always available to assist with any request I have, whether it's making restaurant reservations or booking travel. It's an exceptional experience, and much better than other concierges that I used to have.
George Yeh
Growth Marketing Leader
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My experience using Onyx has been awesome across the board. Deep investment capabilities and cash management features keep my finances in check, and I don’t know what I’d do without the in-app concierge. Highly recommend!
Joe L.
Venture Capital Partner