The operating account
for fast-moving teams.
Banking, spend controls, treasury at 4.31% APY, and accounting — finally in one account. Built for founders, finance teams, and the operators between them.
Trusted by 24,000+ teams from seed to series F
Every financial workflow,
in one operating account.
Stop stitching together five tools and two banks. Vault is the system of record for everything that touches your money.
One account, every flow
Operating, savings, and treasury balances under a single login. Move funds in seconds, not three business days.
Spend controls that scale
Issue virtual or physical cards with policy baked in. Per-vendor limits, category locks, automatic receipts.
Treasury that earns
Idle cash sweeps into a 4.31% APY treasury account. SIPC-protected up to $125M through partner network.
Accounting, automated
Two-way sync with QuickBooks, Xero, and NetSuite. Categorize, code, and close the month a week earlier.
Security, by design
SOC 2 Type II, hardware-key SSO, and step-up auth on every wire. Zero-trust under the hood.
API-first, end to end
Every account, card, and ledger entry is a REST resource. Webhooks for everything that matters.
A look at the product.
Real screens, real data shapes — no stock illustrations. Click through to see what a finance team actually does in here.
| Description | Category | When | Amount |
|---|---|---|---|
SStripe Payouts | Revenue | Today, 9:14 AM | +$184,320.55 |
AAWS | Infra | Today, 7:02 AM | −$38,214.92 |
GGusto Payroll | Payroll | Yesterday | −$428,913.10 |
LLinework Inc. | Customer | Yesterday | +$24,000.00 |
NNotion Labs | Software | 2d ago | −$1,240.00 |
VTreasury sweep | Internal | 3d ago | −$2,000,000.00 |
Operating account with no minimums, no monthly fees, and instant payments to anyone on Vault.
The companies you compete with
already moved.
We replaced four tools with Vault on day one. Closing the books used to take eight days. Now it’s under two.
The treasury yield alone paid for our Series B legal fees. The actual product is somehow even better.
I issue cards in Slack. My controller approves wires from her phone. Our auditor said it was the cleanest GL she’d ever seen.
Vault’s API is the first time a bank felt like a developer tool. We built our entire AP automation against it in a weekend.
Switched from a top-3 bank. Better support, better rates, better software. There is no version of this where we go back.
The card controls are uncanny. It’s like the policies were designed by someone who has actually run a finance team.
No platform fees. No minimums.
No surprises.
For founders who just incorporated.
- Operating account, no minimums
- Up to 5 virtual cards
- ACH & domestic wires
- QuickBooks sync
- Email support
For teams scaling past their first finance hire.
- Everything in Starter
- Unlimited cards with policies
- Treasury at 4.31% APY
- Approvals & multi-entity
- Priority support, 4h SLA
For finance teams running on Vault.
- Everything in Growth
- Dedicated account manager
- SSO, SCIM, audit logs
- NetSuite & custom GL sync
- Custom rates & FX
Everything else
you’re wondering.
Don’t see your question? Write to support@vault.com — you’ll hear back from a human in under an hour.
Ready to bank like
it’s 2026?
Open an account in under 10 minutes. Move your first dollar today.