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About Wave Money

Wave Money is the first no-fee business banking account that manages your bookkeeping for you. Take control of your finances with Wave and see everything in one place.

For now, Wave Money is available by invite only for existing Wave customers. Visit to sign up and reserve your spot.


When we say Wave Money is a no-fee bank account, we mean it.

No monthly account fees
No account minimums
No money transfer fees
No transaction fees
No ATM withdrawal fees
No bookkeeping fees


Free doesn’t mean fewer features. In your Wave Money app you’ll be able to do everything you need to run your business:

Send email money transfers
Send and receive ACH transfers
Add your debit card to Android wallet
Set up pre-authorized debit payments
Connect to 3rd-party payment processors
Find local free ATMs
Deposit checks (coming soon)
Pay bills (coming soon)


Wave Money is more than a bank account. It’s powered by built-in bookkeeping to save you time by taking manual admin tasks like categorizing and reconciling off your to-do list.

You’ll also get free Instant Payouts so you can access your funds immediately when customers pay you through Wave Payments.


Wave Money seamlessly connects to the rest of the Wave ecosystem. Get a full 360° view of your business finances. Track income and expenses, manage customer invoices, accept online payments, and pay your team when you need to.


Signing up only takes a few minutes and is completely free with zero long-term commitments.

I'm waiting for more features (like mobile check deposits), but the onboarding experience was great and I love how it integrates with other wave solutions.
Paul Roark