Start Making Your Money Work For You
Save, spend, invest, and manage your finances with a banking experience designed to help you grow your wealth—not just store it.
AI Savings
+£328.40
+18%
saved this week
currency & crypto exchange
currency & crypto exchange
Personalized Insights
Personalized Insights
£37,124.60
+8.3%
Total Portfolio Value
40K+ users worldwide
ARCWAY
kerra
NIVORA
valeon
MORROW
ARCWAY
kerra
NIVORA
valeon
MORROW
Features
Smarter Banking Starts Here.
Smart Portfolio Wallet
Manage GBP, EUR, USD and BTC all in one place
Smart Portfolio Wallet
Manage GBP, EUR, USD and BTC all in one place
Smart Portfolio Wallet
Manage GBP, EUR, USD and BTC all in one place
AI Advisor
Your personal finance co-pilot
AI Advisor
Your personal finance co-pilot
AI Advisor
Your personal finance co-pilot
Global Payments
Move money anywhere globally in seconds
Global Payments
Move money anywhere globally in seconds
Global Payments
Move money anywhere globally in seconds
Smart Spending Insights
Understand where every single penny goes
Smart Spending Insights
Understand where every single penny goes
Smart Spending Insights
Understand where every single penny goes
Auto Save
Save money without even thinking about it
Auto Save
Save money without even thinking about it
Auto Save
Save money without even thinking about it
Get more out of your OffBank.
Get more out of your OffBank.
Get more out of your OffBank.
Your wallet, everywhere.
Add your OffBank debit card to Apple Wallet and pay securely online, in apps, or in-store with Face ID. Your virtual card is available instantly while your physical card is on its way, giving you seamless access to your money wherever you are.
✓ Instant Apple Wallet setup
✓ Virtual & physical debit card
✓ Contactless payments worldwide
Security
Your Money. Protected by Design
Security
Your Money. Protected by Design
01
Bank-Grade Encryption
Every payment and piece of personal data is protected with advanced 256-bit encryption.
01
Bank-Grade Encryption
Every payment and piece of personal data is protected with advanced 256-bit encryption.
02
Fraud Detection
AI continuously monitors transactions and instantly flags unusual activity.
02
Fraud Detection
AI continuously monitors transactions and instantly flags unusual activity.
03
Instant Card Controls
Freeze, unfreeze, or replace your debit card instantly from the OffBank app.
03
Instant Card Controls
Freeze, unfreeze, or replace your debit card instantly from the OffBank app.
Pricing
Choose The Plan That's Right For You
Essential
£0
/ mo
Perfect for everyday banking
UK Current Account
Virtual Debit Card
Apple & Google Wallet
AI Spending Insights
Multi-currency Wallet
Essential
£0
/ mo
Perfect for everyday banking
UK Current Account
Virtual Debit Card
Apple & Google Wallet
AI Spending Insights
Multi-currency Wallet
Essential
£0
/ mo
Perfect for everyday banking
UK Current Account
Virtual Debit Card
Apple & Google Wallet
AI Spending Insights
Multi-currency Wallet
Best Deal
Plus
£14.99
/ mo
Everything in Essential, plus premium features.
Unlimited Virtual Cards
Advanced AI Advisor
International Payments
Travel Insurance
Cashback
Best Deal
Plus
£14.99
/ mo
Everything in Essential, plus premium features.
Unlimited Virtual Cards
Advanced AI Advisor
International Payments
Travel Insurance
Cashback
Best Deal
Plus
£14.99
/ mo
Everything in Essential, plus premium features.
Unlimited Virtual Cards
Advanced AI Advisor
International Payments
Travel Insurance
Cashback
Business
£29.99
/ mo
Built for freelancers, startups, and growing businesses.
Business Current Account
Multi-use Access and Permissions
Tax Estimates & VAT Tracking
Accounting Integrations
Analytics Dashbaord
Business
£29.99
/ mo
Built for freelancers, startups, and growing businesses.
Business Current Account
Multi-use Access and Permissions
Tax Estimates & VAT Tracking
Accounting Integrations
Analytics Dashbaord
Business
£29.99
/ mo
Built for freelancers, startups, and growing businesses.
Business Current Account
Multi-use Access and Permissions
Tax Estimates & VAT Tracking
Accounting Integrations
Analytics Dashbaord
Why People Choose OffBank
Discover why people choose OffBank for smarter banking, effortless spending, and complete financial control.
James Carter
Product Designer
The Smartest Bank I've Used
"I've tried a few digital banks over the years, but OffBank is the first one that genuinely helps me stay on top of my finances. The AI insights have changed the way I save."
Emily Foster
Marketing Manager
Apple Wallet Intergration is a Game-Changer!
"Adding my OffBank card to Apple Wallet took seconds, and I've barely reached for my physical wallet since. Everything just works exactly as you'd expect."
Daniel Hughes
Software Engineer
All My Money Finally In One Place
"The Smart Portfolio Wallet gives me one place to track my cash, foreign currencies, and Bitcoin. It's clean, fast, and surprisingly intuitive."
Sophia Bennett
Creative Director
Business Banking Without The Complexity
"As a freelancer, the Business plan has made invoicing, expense tracking, and managing client payments so much easier. It feels like a bank built for modern businesses."
James Carter
Product Designer
The Smartest Bank I've Used
"I've tried a few digital banks over the years, but OffBank is the first one that genuinely helps me stay on top of my finances. The AI insights have changed the way I save."
Emily Foster
Marketing Manager
Apple Wallet Intergration is a Game-Changer!
"Adding my OffBank card to Apple Wallet took seconds, and I've barely reached for my physical wallet since. Everything just works exactly as you'd expect."
Daniel Hughes
Software Engineer
All My Money Finally In One Place
"The Smart Portfolio Wallet gives me one place to track my cash, foreign currencies, and Bitcoin. It's clean, fast, and surprisingly intuitive."
Sophia Bennett
Creative Director
Business Banking Without The Complexity
"As a freelancer, the Business plan has made invoicing, expense tracking, and managing client payments so much easier. It feels like a bank built for modern businesses."
James Carter
Product Designer
The Smartest Bank I've Used
"I've tried a few digital banks over the years, but OffBank is the first one that genuinely helps me stay on top of my finances. The AI insights have changed the way I save."
Emily Foster
Marketing Manager
Apple Wallet Intergration is a Game-Changer!
"Adding my OffBank card to Apple Wallet took seconds, and I've barely reached for my physical wallet since. Everything just works exactly as you'd expect."
Daniel Hughes
Software Engineer
All My Money Finally In One Place
"The Smart Portfolio Wallet gives me one place to track my cash, foreign currencies, and Bitcoin. It's clean, fast, and surprisingly intuitive."
Sophia Bennett
Creative Director
Business Banking Without The Complexity
"As a freelancer, the Business plan has made invoicing, expense tracking, and managing client payments so much easier. It feels like a bank built for modern businesses."
£0M
£0M
Annual Savings Generated
0.0%
0.0%
Customer Retention
£0M+
£0M+
Monthly Card Transactions
FAQ
Got Questions? We've got Answers
Everything you need to know about banking with OffBank—all in one place.
What is OffBank?
Is my money safe with OffBank?
How do I open an OffBank account?
Are there any hidden fees?
How can I contact OffBank support?
Insights
Smarter Money Starts Here
Insights
Smarter Money Starts Here
Why Banking Should Feel Invisible in 2026
Talk about how modern banking is moving away from branches and paperwork toward instant payments, AI insights, budgeting, and global access.
Why Banking Should Feel Invisible in 2026
Talk about how modern banking is moving away from branches and paperwork toward instant payments, AI insights, budgeting, and global access.
Why Banking Should Feel Invisible in 2026
Talk about how modern banking is moving away from branches and paperwork toward instant payments, AI insights, budgeting, and global access.
Five Money Habits Every Day Trader Should Build
Discover five essential money habits that every day trader should master. From managing risk and protecting your capital to building long-term financial discipline, these practical tips can help you trade smarter and stay focused in any market.
Five Money Habits Every Day Trader Should Build
Discover five essential money habits that every day trader should master. From managing risk and protecting your capital to building long-term financial discipline, these practical tips can help you trade smarter and stay focused in any market.
Five Money Habits Every Day Trader Should Build
Discover five essential money habits that every day trader should master. From managing risk and protecting your capital to building long-term financial discipline, these practical tips can help you trade smarter and stay focused in any market.
Everything You Need to Know Before Opening Your First Bank Account
Opening your first bank account doesn't have to be complicated. Learn the essentials of modern banking, discover the features that matter most, and find out how to choose an account that helps you manage your money with confidence.
Everything You Need to Know Before Opening Your First Bank Account
Opening your first bank account doesn't have to be complicated. Learn the essentials of modern banking, discover the features that matter most, and find out how to choose an account that helps you manage your money with confidence.
Everything You Need to Know Before Opening Your First Bank Account
Opening your first bank account doesn't have to be complicated. Learn the essentials of modern banking, discover the features that matter most, and find out how to choose an account that helps you manage your money with confidence.