The one account that has your back

Make the move, open a Waya account and enjoy banking that understands you.

Banking Services Are Provided By Lineage Bank; Member FDIC. The Waya Mastercard® is Issued Pursuant to License By Mastercard International


The one account that has your back

Make the move, open a Waya account and enjoy banking that understands you.

Banking Services Are Provided By Lineage Bank; Member FDIC. The Waya Mastercard® is Issued Pursuant to License By Mastercard International

Unlock Unlimited Opportunities.
Get Waya today.

Download our App, Open your account in minutes and enjoy
the new way to store, spend, send and receive money. Its Fast and Easy.

App Store
Google Play
Open an account in minutes, move money in multiple ways and enjoy banking built for you.

Banking for Immigrants, by Immigrants

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Checking Accounts

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Virtual & Physical Cards

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Bank Transfers with Waya

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Waya to Waya Transfers

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No Monthly Fees

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Excellent Support

Enjoy great benefits when you open a Waya Account

When you open your Waya account, you get great benefits.
Access convenient and robust financial services and say bye to all the hassles of traditional banking
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Fund Account and Hold Money

Feed your account from your bank, mobile wallet, or debit card and securely hold money within Waya, a wallet you can trust

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Make Waya to
Waya Transfers

With Waya,
sending and receiving money between Waya users is completely free. No hidden fees.

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Pay $0
On Fees

With Waya,
you experience a digital bank with no minimum balance requirements.

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Send and Receive Money

Pay and get paid on the go from any bank via ACH or wire transfer. Send money to friends and family within the USA no matter what bank they use

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Pay With Your Waya Card

Go cashless with Waya.
Spend at your favorite shops and restaurants, and make online payments with your Waya Card.

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Remit Money to Africa

Send some love back home from your Waya account
to Bank accounts and mobile wallets across 30 countries in Africa.

We are committed to transforming
the world one transaction at a time

Our mission is to unlock financial opportunities for Immigrants and underserved
communities living and working in the USA by empowering them with access to
banking and other financial services

Read our Story

Protecting you, your information and your money

Enjoy banking without worrying about security and data privacy. We got you covered.

World-Class Security

We protect your financial and personal information
by employing data privacy and security measures.

Dedicated Fraud Mitigation

We work with leading technologies and protocols to keep your account and money protected from even the most sophisticated fraud.

Your deposits are safe

Your checking account is FDIC insured up to $250,000,
meaning your deposits are safe and legally protected.

Your information
is safe

Your personal information is safe in our hands.
We’re committed to keeping your data
safe and secure, and we’re open about
how we collect, process, and store it.

We’re licensed

We’re legally permitted to offer to check accounts and banking services in the USA through our banking partner, Lineage Bank, Member FDIC. We work with leading payment partners to also settle payments across the world in jurisdictions that we operate in.

Banking doesn’t need to be complicated.
Enjoy a world-class user experience with our Mobile App

The Waya app removes the complexities that come with traditional banking apps. We have employed human-centered design principles to deliver a product experience that is not only simple and clear but one that addresses our customer’s needs.

Getting started

Get set up and start spending with your card in minutes.

  • 1
    Download the Waya App

    Download the Waya App from the play store or App Store.

  • 2
    Register in minutes

    Sign up online or in our app with an email address and a phone number.

  • 3
    Verify your identity

    All you need to activate your account, send and receive money or order a card is your government ID.

  • 4
    Top up your account

    You can add money using your bank account or card.
    Share your account details to get paid via Waya or ACH or spend worldwide with your debit card.

Get Waya
Best inline customer experience and support

Let’s Answer some of your Frequently Asked Questions

How do I sign up?

First, you’ll want to get the Waya app on your device which you can download via Play Store or iOS. Enter your valid US phone number and an OTP will be provided. Proceed to complete registration by filling in your full name and a valid email address. We will send you a temporary password to your email which you’ll use to login and create your own password. Finally, complete your profile to create an account.

What are the options to fund my Waya account?

Fund your account from your bank, mobile wallet, or debit card, or initiate ACH or wire transfer. Store your money securely in your Waya Wallet.

Are there any hidden fees attached?

At Waya, we draw lines to fund fees. We take our promise to deliver honest and straightforward service seriously, and we describe all fees upfront. Whenever you make a transfer with Waya, you can be certain that no hidden or unexpected charges will be applied.

How can I spend my balance conveniently?

Your Waya debit card is your gateway to a convenient payment experience. Spend at your favorite shops, restaurants, or any point of sale. Make your day-to-day online payments securely with your card.

Is Waya a Financial Company or a Bank?

Waya is a financial technology platform, not a bank. Through our bank partners we are able to provide banking services and debit cards. Banking services for the [Checking Account or Savings Account] are provided by Lineage Bank, Members FDIC while The Waya Debit Card is issued by Lineage Bank pursuant to a license from21 Mastercard Inc.

How Do I contact Waya?

Our Customer Service team is available to you anytime you need them. If you would like to get in touch with us for further questions, feel free to send an inquiry through our email at, or chat with us on the Waya app.

Banking that Focuses on You

All in one digital banking app for immigrants and the underserved
App Store
Google Play
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Sign up to Waya

Sign up and join other immigrants
enjoying the freedom of banking with Waya.

    News, updates, and the latest tips
    you need to know about Waya

    Visit Our Blog

    Join Waitlist

    We're currently on a Private Beta. Register below and be the first to know when we open Waya to the public.