Real-time spending insights, instant virtual cards, and tools that adapt to how you actually spend — not the other way around.
Bank-grade infrastructure with biometric login, tokenized card numbers, and transfers that settle in seconds, not days.
Your funds are FDIC-insured up to $250,000, with 24/7 fraud monitoring and one-tap card freezing built in.
Accounts opened worldwide
Processed in transfers last year
Countries supported
Average app store rating
No monthly fees, no minimum balance, and instant notifications every time you spend or get paid.
Earn up to 3% back on every purchase, with zero foreign transaction fees.
Build a portfolio in minutes with automated, low-fee investing tuned to your goals.
We built Jovard after getting tired of hidden fees, slow support, and apps that feel like they were designed a decade ago. Every decision starts with one question: does this make banking simpler?
Every product is built around one idea — banking should get out of your way. Fewer forms, faster answers, and a team on call when something needs a human.
Accounts built around real spending habits
Payroll, invoicing, and expense cards in one place
Forecasts and nudges that keep you ahead
"Moved my business account over in a week. Payroll runs itself now and support actually picks up the phone."
"The instant transfer notifications alone changed how I manage cash flow. No more logging in five times a day to check."
"Froze a stolen card from the airport lounge in about ten seconds. Had a replacement virtual card before I landed."