Universal

Smarter spending. Easy saving. Real rewards.
Take control of your money with Percapita—the all-in-one app for spending, saving, budgeting, and building financial wellness.
- No hidden fees. No hoops.
No minimum balance.
No monthly fees.
No overdraft penalties.
Just real tools for real people.
- Your money is safe and secure
Eligible for up to $250,000 in FDIC insurance through Sutton Bank, Member FDIC2
Percapita Visa® Debit Card you can use everywhere Visa is accepted*
Full data encryption and multi-factor authentication (2FA)
- Get paid when you need it3
Access up to $1,000 of your earned wages before payday3
No credit checks, no hassle
- Save automatically with Penny Jar4
Every debit card purchase rounds up to the nearest dollar
Build savings without even thinking about it
- Build your credit with rent payments
Get rewarded for the rent you already pay5
Powered by Rock the Score
- Earn cash back rewards
Spend $300/month, get $25 cash back—up to $300/year¹
- Send money internationally
Fast, affordable transfers to 75+ countries6
- Budget smarter. Plan ahead. Stress less.
Create needs-based and goal-based budgeting accounts
Set budgets that fit your life, not someone else’s
- Real human support.
US-based, bilingual customer service
A convenient in-app chat Why Percapita?
Because your money should work for you—not against you.
Download Percapita today and start spending smarter, saving easier, and building the financial freedom you deserve.
Start for free. Stay for free.
Your money. Your way.
Disclosures
Percapita is not a bank. We are a digital company that provides access to financial services. The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The Percapita Visa® Debit Card is issued by Sutton Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa debit cards are accepted.
1 Restrictions apply. See full promotional details at http://percapita.com/earn300
2 The Percapita Cash Account is provided by Sutton Bank, Member FDIC. The funds in your deposit accounts are eligible for FDIC insurance up to $250,000 on a pass-through basis. The availability of FDIC insurance is contingent upon Percapita maintaining accurate records and deter- minations of the FDIC as receiver at the time of a receivership if Sutton Bank should fail. Such coverage is subject to aggregation of all of your deposits held at Sutton Bank. For further information about deposit insurance generally, you may write to the FDIC at 550 17th Street, N.W., Washington D.C. 20429, telephone the FDIC’s toll-free hotline at 877-275-3342, or visit its website at FDIC: Federal Deposit Insurance Corporation | http://www.fdic.gov.
3 Early wage access powered by Immediate Solutions, Inc.; terms and limits apply.
4 Penny Jar is an optional program provided by Percapita, not Sutton Bank.
5 Rent reporting and credit building powered by Rock the Score, LLC; eligibility applies.
6 International transfer services provided through Brightwell Payments Inc., and Bancorp. Brightwell Payments Inc. is a technology provider and not a bank or other regulated financial insti-tution. All regulated international transfer services associated with ReadyRemit® are provided by The Bancorp Bank N.A. Terms and conditions apply. Verification times vary and may delay the delivery of funds to the receiver. Restrictions may apply. See transfer terms and conditions for details.