Your Business Financial Account | Shopify Balance - Shopify USA

Holistic view of your store’s financial health

Manage your money where you make it with comprehensive dashboards, filters, and reports.

Make in-store and online business purchases to earn cashback and exclusive rewards.

Download Shopify Balance mobile appto get the best of Shopify Balance—whenever, wherever.

Not a bank account. Better.

Make better money moves for the long-term health of your business.

Skip the fees

No monthly fees, transfer fees, ATM fees, or minimum balance.¹

Get paid faster

Receive money from your Shopify sales up to 7 days earlier than a bank.

Organize your revenue

Open up to five extra accounts to allocate funds for bills, tax season, inventory, and more.

Transfer money easily

Transfer funds in or out, between Balance accounts, or through your favoritefinancial apps.

Simplify your taxes

Make tax season easier with direct integrations to Quickbooks, Freshbooks, Bench and more.

Earn cashback for spending

Get a free spending card and earn automatic cashback on eligible purchases.²

Get the Shopify Balance mobile app

Stay on top of your finances anytime, anywhere.

Move money in or out
Check your balance
View transaction history
And so much more

QR Code to install Shopify Balance mobile app

Scan to download the Balance app

Download Shopify Balance mobile app on the iOS Apple store

Download Shopify Balance mobile app on the Google play store

A caucasian woman's hand holding her mobile device while the screen shows her Shopify Balance account balance, recent transactions, with a button that says

Keep your money secure

Rest easy knowing your Balance account is eligible for FDIC insurance, protected through two-step authentication and card control.

Shopify Balance account card settings on mobile

Stay in control of your spending card

Lock and unlock your card directly from your store’s admin to protect your money at all times.

Pay with peace of mind

Your Balance account is eligible for FDIC insurance up to $250,000.

Support you need, when you need it

Reach out to our support team via live chat 24/7.

Spend your money, your way

Use your spending card to make online and in-store business purchases.

Two latino males named Sergio and Jesus, owners of Gay Pride Apparel, stand smiling with their arms crossed wearing khakis and yellow checkered shirts.

Get your own business spending card

Order a free physical card with your business name on it and instantly receive a virtual card. No personal credit check required.

Use your card wherever Visa® is accepted

Pay bills, make business purchases, and withdraw cash at thousands of ATMs worldwide.¹

Take advantage of Visa® benefits

Access exclusive签证的好处, including collision damage for rental cars, travel and emergency assistance service, and more.

Make easy, contactless payments

Add your Shopify Balance card to your mobile wallet and pay for all your business expenses—right from your phone.

Earn rewards that matter

A woman's hand holding her spending card with the business name

2% cashback on must-haves for your business

No points to redeem, just real money to earn. Your rewards never go to waste with automatic cashback.²

10% cashback from the Experts Marketplace

雇佣信任设计师、开发人员和顾问s to help build or level up your business.

Exclusive partner perks you can’t say “no” to

Unlock exclusive offers from Google, Snapchat, and other industry-leading partners to help run and market your business.

Get more with Shopify Balance

Shopify Balance

No monthly, account, or transfer fees
No minimum balance
$0 ATM fees charged by Shopify¹
$0 overdraft fees
Skip the paperwork and sign up online in minutes
Get paid as fast as the next business day
Manage your money and business in one place
Earn up to $2,000 cashback every year
FDIC insurance eligible up to $250,000

Traditional banks³

$10+ average monthly fees
Up to $5,000 minimum balance
Up to $5 ATM, plus ATM provider fees
Up to $35 per item in overdraft fees
In-person application that can take weeks to approve
Get paid up to 7 days later
Finances and business managed on multiple platforms
Limited or no rewards program available
FDIC insurance eligible up to $250,000

A black female business owner smiles while holding her spending card and standing next to her co-owner, a latino male. — Michelle & Mag

Owners, Maranta Plant Shop

Resources

Shopify Balance

Learn more about managing your business finances with Shopify Balance.

Visit the help center

Separate business expenses

Get expert tips on how to keep expenses separate and prepare for tax season.

Read the post

Support

Reach out to Shopify’s dedicated team and get the support you need.

Contact support

Recommended for you

Shopify Bill Pay

Easily pay, schedule, and manage expenses from the same platform you run your business—free.⁴

Shopify Credit

Turn everyday business purchases to even more cashback rewards with the pay in full card designed for entrepreneurs.

Shopify Capital

Apply for founder-friendly capital to power your business. Keep bestsellers in stock, amplify your marketing, and more.

Shopify Balance

Easier. Faster. More rewarding.

Get started

Frequently asked questions

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Shopify Balance is not a bank account—it’s better. Our business financial account allows you to get paid faster and skip the fees by managing your money and business in one place.
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Currently, Balance is available to US merchants who use Shopify Payments.Check out all the requirementsfor opening a Balance account.
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No. There are no sign-up fees, monthly fees, or any other hidden fees. Shopify Balance also doesn’t charge you any ATM withdrawal fees.¹
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Earn 2% cashbackwhen you spend on eligible Shopify purchases using your Balance card.Get 10% cashbackto hire designers and freelancers in the Expert Marketplace. Plus, take advantage ofexclusive offersfrom Google and other industry-leading partners.
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Instantly move money between your Balance accounts without limits. Transfer funds in and out of Balance manually by entering your account and routing numbers, orconnect to popular appslike Venmo, Wise, and more through our Plaid integration.

Shopify partners with Stripe, Inc. and affiliated companies, and financial institution partners including Evolve Bank & Trust, Member FDIC & Celtic Bank, to offer money transmission, banking & issuing services, respectively.
¹Shopify Balance doesn’t charge you any ATM withdrawal fees, but you may be charged by an ATM provider.
²Earn a maximum of $2,000 cashback on all eligible purchases per calendar year. This cashback limit may not apply in the case of some Balance Partner Rewards. Visit theHelp Centerto learn more.
³Traditional bank accounts are comprised of publicly available data from select business bank accounts of the top three (3) largest U.S. banks by assets.

Shopify Balance

Zero fees.Faster payouts.