Reliable & Free Payments & Transfers

Bivo provides businesses with a powerful platform to manage payments and transfers effortlessly. From free ACH, wires, and instant payments to reliable fund movement, Bivo ensures that your cash earns high yields from the moment they arrive until you need them for payments.

Key Features

Free Transfers

ACH Transfers: Enjoy unlimited free ACH transfers for seamless fund movement.
Money Domestic Wires: Receive & send domestic wire transfers at no cost.
Instant Payments: Benefit from real-time payments through RTP and FedNOW for same-day fund availability.

High Yield from Day One

Your cash starts earning high yields as soon as they are received by Bivo.
No idle time—ensure your cash is working for you until the exact moment it is needed for payments.

Reliable Fund Movement

Move cash confidently with end-to-end encryption and robust security protocols.
Real-time transaction monitoring ensures your cash is safeguarded at every step.
Granular user permissions allow you to control who can initiate or approve transactions.

International Payment

Send money to over 100 countries with competitive foreign exchange rates.
Bivo’s systems are designed to instantly move large amounts in local currency.

Why Choose Bivo for Payments?

Cost Efficiency

Eliminate unnecessary fees with free ACH, wire transfers, and instant pay.
Save on FX conversions with some of the most competitive rates in the industry.

Flexibility and Speed

Schedule payments in advance or initiate them instantly as needed.
Real-time processing ensures your payments are completed without delays.

Enhanced Security

Dual control and approval workflows safeguard against unauthorized transactions.
Two-factor authentication adds an extra layer of safeguard for sensitive transfers.

How It Works

Fund Your Account

Transfer cash into your Bivo account to start earning high yields immediately.

Schedule or Initiate Payments

Use the platform to schedule payments or make transfers instantly as required.

Fund Your Account

Your cash continue earning high yields until the moment it is used for payments.

Frequently Asked Questions

1. Are all domestic payment types free?

Yes. ACH transfers, domestic wires, and instant RTP/FedNOW payments are all free of charge with Bivo.

2. How reliable are fund transfers with Bivo?

Bivo employs industry-leading security measures, including end-to-end encryption, real-time transaction monitoring, and two-factor authentication, to ensure the safety of your cash.

3. Can I automate recurring payments?

Absolutely. Bivo allows you to schedule recurring payments, ensuring timely disbursements without manual intervention.

4. Do funds earn yields while waiting for payments?

Yes. All cash in your Bivo account earn high yields from the day cash is received until it is used for payments.

5. What options are available for international payments?

Bivo supports international payments to over 100 countries. Bivo’s systems are designed to instantly move large amounts in local currency. Competitive FX rates ensure cost-effective transfers.

Get Started Today

Tired of how long it takes to open an account? Bivo has simplified the process — it takes less than a minute to get started.

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.