No Hidden Fees: Transparent and Customer-Centric

At Bivo, we believe in complete transparency. That means no hidden fees, no surprise charges, and no unnecessary costs. Our platform is designed to provide exceptional value with clear, straightforward pricing so you can focus on growing your business.

Key Features

No Minimum Balance

Enjoy the freedom to manage your cash without worrying about maintaining a minimum balance.
Ideal for individuals, joint account holders and businesses of all sizes, from startups to large enterprises.

No Monthly Fees

Access Bivo’s full suite of features with no monthly subscription or maintenance fees.

No ACH, Wire or Instant Pay Fees

Benefit from free ACH transfers and domestic wire payments.
Take advantage of real-time payments (RTP) and FedNOW at no additional cost.

Transparent Fee Structure

FDIC Insured

Fee: Bivo does not charge a fee to customers. The bank partners share a small portion of the fees with Bivo.
Benefit: Enhanced FDIC coverage by distributing cash across multiple bank partners.

Liquid Treasury Bills

Fee: 0.01% per month, applied only to the portion of funds in liquid Treasury Bills.
Benefit: Backed by the U.S. government, Treasury Bills offer security and high yields. No state income tax.

Money Market

Fee: Bivo does not charge a fee to customers. The money market funds share a small portion of their fees with Bivo.
Benefit: High-yield, secured by treasury and government securities.

Why Choose Bivo for Transparent Pricing?

Cost Efficiency

Eliminate unnecessary charges with our no-fee ACH, wire, and payment services.

Enjoy maximum security and returns.

Peace of Mind

Know exactly what you’re paying for with no hidden charges or surprise fees.

Value for All Businesses

Whether you’re a individual, startup or a large enterprise, our transparent pricing ensures that you get the most value from our platform.

Frequently Asked Questions

1. Are there any account maintenance fees?

No. Bivo does not charge monthly maintenance or subscription fees.

2. What happens if my balance is low?

There are no penalties or charges for maintaining a low balance in your Bivo account.

3. Do ACH or wire transfers incur fees?

No. All ACH transfers and domestic wire payments are completely free on the Bivo platform.

4. How is the fee for liquid Treasury Bills calculated?

The 0.10% annual fee is calculated based on the amount of funds you have in liquid Treasury Bills. This fee is prorated and applied monthly.

5. Are there hidden fees for money market funds?

No. There are no direct fees for customers. A small portion of the fund’s fees is shared with Bivo by the funds.

6. How does FDIC insured fee-sharing work?

Customers are not charged for the FDIC insured option feature. Fees are shared between Bivo and our partner banks.

Resources

Call Us

(844) 322-6462

Write to Us

support@bivocash.com

Investing in securities products involves risk and you could lose money.

Bivo Cash Plus Accounts are offered by Bivo Financial LLC, (“Bivo”) a broker-dealer registered with the Securities and Exchange Commission (SEC). Bivo is a member of the Financial Industry Regulatory Authority (FINRA), and Securities Investor Protection Corporation (SIPC).

1. Bivo provides Cash Plus Accounts with the following high-yield options (i) FDIC insured with partner banks, (ii) U.S. Treasury Bills, or (iii) money market funds.

* Rates as of 4/11/25. The FDIC insured option offers a 4.60% APY for the first three months for new customers, followed by a competitive 4.30% APY thereafter—one of the best rates available today.

Cash Plus Accounts with FDIC insured option, backed by the full faith and credit of the US Government through partner banks.

Liquid Treasury Bills option offers 4.40% APY and up to 5.67% APY effective yield with state income tax savings and is based on 37% Federal income tax and 13.30% state income tax. Please use the calculator provided to calculate your effective APY. Bivo does not provide legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

Cash Plus Accounts with Liquid Treasury Bills option backed by the full faith and credit of the US Government.

Money market options offer high yield of up to 4.30% APY.

Annual percentage yield (APY) is variable and subject to change. The national average savings account interest rate is reported by the FDIC (as of December 16, 2024) as the average annual percentage yield (APY) for savings accounts.

SIPC currently protects the assets in securities accounts at Bivo up to $500,000 (including $250,000 for claims for cash). Please see https://www.sipc.org/ for more information. Funds in FDIC insured option are not subject to SIPC protection, and eligible for FDIC insurance, backed by the full faith and credit of the US Government, through partner banks.

Money Market Fund Disclosure: Although the Fund seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

Commission-free trading refers to $0 commissions charged on trades of US listed registered securities placed during the US Markets Regular Trading Hours in self-directed brokerage accounts offered by Bivo. Keep in mind that other fees such as regulatory fees, trade fees, auto investment fee, and paper statement fees may apply to your account. Please see Fee Schedule to learn more.

2. Certain payment services including international payments may be provided by Bivo Inc. (NMLS #2572288). Bivo Inc. is a licensed money transmitter and an affiliate of Bivo.