A friendlier kind of bank Real people, one tap away

Banking that fits
real life.

Clear tools, honest answers, and real people who pick up — built around the way you actually live.

Real people, real answers. Branch, phone, or app — we’ll meet you there.

A little less clicking.
A lot more living.
Need a hand? Chat with our team — no bots.
What we offer

One place for
everyday money.

From daily spending to bigger plans — clear tools, kind support, and no jargon.

Not sure where to start? Talk it through with a real person.
Start here

Everyday banking

Easy spending, no monthly costs, and a clear view of where your money goes.

Explore everyday banking

Business banking

Practical tools to get paid, stay organised, and grow without the paperwork.

Explore business

Banking on your phone

Check in, pay a bill, or send money from wherever you happen to be.

Explore the app

Savings that grow

Put a little aside and watch it build, with no minimum to get started.

Explore savings

Borrowing, without the fuss

Clear terms for homes, cars, and the moments that matter.

Explore loans

Cards that give back

Everyday, travel, or virtual — with rewards you’ll actually use.

Explore cards
For everyday life

Money that fits
your life.

No two lives look the same. So our everyday tools stay flexible — for the home you’re saving towards, the plans you’re making, or the week you’re just trying to keep tidy.

Everyday spending

No monthly costs, fee-free cash machines, and a clear view of where it goes.

Savings that build

Earn up to 4.50% a year, start with any amount, and dip in when you need to.

Watching out for you

If something looks off, we’ll flag it — day or night.

A hand with the planning

Free tools and plain-English guidance to help you budget with confidence.

Your plans What you’re working towards
On track
A place to call home $24,300 saved of $40,000
61%
A little time away $2,850 saved of $4,000
71%
Rainy-day fund $6,200 saved of $8,000
78%
Your money, your pace.
Want a hand with your plans? Book a free chat with a real person.
For your business

Room to grow,
your way.

From your first sale to your next big step, we give you practical tools, breathing room, and a real person who knows your name.

Everyday business tools

Built for more than one currency, with a real person on your side.

Support that flexes

From $10K to $5M, on terms shaped around your business.

Team cards

Set limits, track spending, and keep everything in one place.

Selling abroad

Pay and get paid across borders with less paperwork.

Cashflow This month
Healthy
Left over after everything $16,750 Up from last month
Last 6 monthsIncome
12 invoices paidStraight to your account
Payroll sortedYour team is all set
A real person on your side.
Invoice paid +$4,800

Everyday money, in one app

Pay a bill on the bus, check your balance at lunch, send money from the sofa. It’s all in one app.

The app

Quick sign-in, instant alerts, and cheque capture from your phone.

Online banking

A calm, simple home for bills, statements, and the bigger picture.

Send money

Move money to 200+ countries in 40+ currencies, with clear rates.

Tap to pay

Apple Pay, Google Pay, or your EqualBank virtual card — wherever you are.

Explore digital banking
9:41 Good morning Alex Morgan AVAILABLE NOW $124,580 ↗ Send ↓ Receive ⟳ Exchange
Security & trust

Watching out
for you.

Strong encryption, 24/7 monitoring, and alerts that reach you early. And if something does go wrong, you won’t be left holding the bill.

Locked down

Enterprise-grade encryption, end to end.

Watching, always

We keep an eye on things, day and night.

Sign in your way

Face or fingerprint, in a moment.

You’re covered

Zero liability if something goes wrong.

Learn about our security We'll never ask for your PIN or password.
Your security Everything looks good
Protected
Sign-in verifiedFace ID · just now
New device blockedWe let you know straight away
Card protectedFrozen when not in use
A real person is on it.
Sign-in verified · just now
Our products

Choose what
suits you.

Simple ways to spend, save, and grow. Choose what suits you — and change it whenever life does.

Everyday savings

Savings That Work

4.50% a year

Somewhere calm for the money you want to keep close, and watch build.

  • No minimum to open
  • Growth added every day
  • Protected up to $250,000
  • No monthly costs
Explore savings
Most loved

Platinum Rewards

2% back

A little back on the things you already buy, plus cover for the unexpected.

  • 2% back on everything
  • No annual cost (first year)
  • Built-in travel and purchase cover
  • 0% for 18 months
Apply Now
For later

Set Aside & Grow

5.75% a year

A steady rate for money you won’t need for a while, quietly getting on with it.

  • 1 to 5 year terms
  • Growth you can count on
  • Auto-renewal options
  • Access it if you need to
Explore fixed terms

Still weighing it up? We’ll help you choose, without the sales pitch.

Talk it through
5M+
People banking with us
3,200+
Branches and counting
25+
Years of listening
150+
Awards we’re proud of
Why EqualBank

A few things we do
differently.

Fair prices, real people, and tools that stay out of your way.

01

Quick to start

Open an account in minutes, send money in seconds, and get answers the same day.

02

Clear prices

No surprises at the end. What you see is what you pay.

03

Real people, any hour

No bots, no hold music. Most chats get a reply within two minutes.

04

Money that travels

Spend in 40+ currencies across 200+ countries.

05

A greener footprint

We run on clean energy and back green projects — since 2023.

06

Recognised, not noisy

Named "Best Digital Service 2025" by Global Finance Magazine.

Still deciding? We’ll help you find the right starting point.

Talk it through

A few notes from real people

What it’s actually like to bank with EqualBank.

"

"Switching to EqualBank made my week feel lighter. The app is clear, the rates are fair, and someone always answers when I need help."

SJ
Sarah Johnson
Small Business Owner
"

"EqualBank has taken a lot of friction out of running the business. One place for every currency, and far less fuss when we trade overseas."

MR
Michael Rodriguez
CEO, TechVentures Inc.
"

"I've banked with EqualBank for over ten years. Buying my home was explained in plain English, and their team helped me think about the years ahead."

EP
Emily Parker
Healthcare Professional
Insights

Good ideas,
plainly put.

Short reads and practical guides for everyday money.

Visit the journal

Straight answers, no jargon

Short answers to the things people ask us most.

It takes about five minutes. Choose what suits you on our site or in the app, add a few details, and you’re set. There’s no minimum to get started.

Yes. Your money is protected up to $250,000. We use strong encryption, extra sign-in checks, and monitoring around the clock — and if something goes wrong, you’re not left to pay for it.

Our savings account pays 4.50% a year, with no minimum to open and growth added daily. Rates can move with the market, so check our pricing page for the latest figure.

Yes. Use your card in 40+ currencies across 200+ countries, with no extra charges on premium plans. You can also send money abroad from the app.

Call us on , start a live chat, or email [email protected]. Most chats get a reply within two minutes.
Mobile access

Your bank,
in your pocket.

The EqualBank app for iOS and Android. Quick to open, easy to use, and built for real days.

  • Open an account in minutes
  • Add a cheque with your camera
  • See exactly where it goes
  • Sign in with face or fingerprint
  • Pay bills on your schedule
  • Keep track of what you’re building
  • Send money in a moment
  • Talk to a real person, any hour
Loved by 10M+ people · 125K+ reviews
Quietly secure
9:41
Good morning, Alex Here's your week at a glance.
Everyday balance $2,840.60 A little more than last week
Send
Save
Pay
This weekSee all
Coffee with SamToday · Everyday
-$4.20
Weekly shopYesterday · Everyday
-$84.10
PaydayFriday · Income
+$2,340
Need a hand? A real person is a tap away.
4.8 · 125K reviews

Let’s get you started.

Join five million people who bank with us. It takes minutes to start — and a real person is there if you’d rather talk first.