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Avo Spending

Tap into fee-free banking.

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Spend.

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Send.

Pay physically with your Avo card or digitally with

QR, Apple Pay®, Google Pay™, and more. 

Send, transfer and receive your money in seconds to and from your Avo and non-Avo accounts.

How to open an Avo Account.

1. 

Use our physical or digital onboarding channel.

Use our app or onboarding machines at nearby stores to enter some basic information, like your name and date of birth, in order to verify your identity.

2. 

Download the Avo app from the App Store or Google Play.


From our mobile app, you’ll be able to manage your account, deposit money, view your balance, and more.

3. 

Connect third party accounts and add money.


Once you’ve connected your outside accounts and added money, you’ll be able to manage your outside money directly from the Avo app.

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NEW

Centralized view of all your money.
We support the nation's largest financial institutions to auto sync your balances and transactions. 

Stay on top of spending. 

We help you stay on top of your spending by categorizing your transactions and letting you filter, search, and edit any of them. Avo Intelligence learns from your changes and automatically adjusts your budget to fit your needs.

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Track all accounts 🏦 

We support the largest bank to auto sync your balances and transactions.

Edit transactions ✏️

Easily edit transaction names, categories, amounts, and other details.

Cash flow 📊

See your cash flow to track spending and see where your money’s going.

Customizable dashboard 🧑‍💻

Chart your spending by custom merchants and create rules to help you manage your transactions.

Net worth 💲

Track your net worth across all your financial accounts and assets.

Search, filter, sort 🔎

Sort and filter by merchant, category, timeframe, and account to organize your spending.

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Security at top of mind.

Avo prioritizes your safety and security by embedding advanced fraud protection, robust security measures, and 24/7 in-app customer support.

FAQ - Frequently Asked Questions

Does Avo have any fees? No, we do not charge any recurring fees—no minimum balance fees, no monthly fees, no maintenance fees, no overdraft fees. Avo does not charge in-network ATM fees, but third-party ATM operator fees may apply.

How do I sign-up for an Avo account? Signing up for an Avo account takes less than five minutes. 1. Go to an Avo onboarding machine or download the Avo app. 2. Fill out basic details—needing only your identification card and fingerprint. 3. Download the app if you haven't already and connect your external accounts. 4. Add money and enjoy fee-free banking! Add your debit card to Apple Pay or Google Pay.

What is Avo Savings? Avo Savings is a free savings account designed to help you automate savings, goals, and organizing your future—while earning a competitive rate. Seamlessly integrated with your Avo spending account, it lets you automatically allocate funds as well as transfer money to your spending account for free—all in one app. Easily direct your savings into goals (like “bills,” “travel,” or “gifts”), giving you a clear view of progress toward each goal. With no monthly fees, no minimum balance to open, and interest compounding daily, Avo Savings supports your financial future with smart automation and flexibility.

Is Avo a bank? Avo, Inc. is a financial services company, not a bank. Avo is provided by our bank partner Member DIV.

© 2025 by Avo. Designed and developed by Avocado.

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