3–4% APY on your balance.
0.5–1% back on purchases.
$0 fees.
The ACK card is a Visa/Mastercard debit card that accepts any currency or stablecoin, with 0% FX markup anywhere in the world. Digital or physical — your choice.
What you get
- $0 card feeNo issuing, monthly or annual fee
- 3–4% APYAnnual interest on your entire balance, every day
- 0.5–1% cashbackOn everything you buy
- No minimumsNo minimum balance. No minimum spend.
- 0% foreign-exchange markupYou pay the network’s wholesale rate. ACK adds nothing.
- $0 ATM markup from ACKAny ATM in the world. You pay only the ATM owner’s fee, if any. ACK adds no cost.
- Fund it your wayDollars, stablecoin or any currency
- Spend anywhereAny country, any currency
- Tap to payApple Pay, Google Wallet and Samsung Wallet. Or tap the contactless card.
Join the waitlist
We’ll email you when the ACK card opens. First in, first access.
Questions
What does the card cost?
$0. No issuing fee, no monthly fee, no annual fee.
How does my money earn?
Your entire balance earns 3–4% APY, every day, and every purchase earns 0.5–1% cashback.
Is there a minimum?
No. No minimum balance to earn, no minimum spend to earn cashback.
Is my money safe?
Yes. Your money is held at an FDIC-insured partner bank or in a U.S. Treasury money-market sweep — two of the safest places money can sit: a government-insured bank account, or U.S. government securities.
Is ACK a bank?
No. ACK Fintech Inc. is a financial technology company. Accounts and cards are provided by a partner bank.
Where is ACK based?
ACK Fintech Inc. is a Delaware corporation. The ACK card is available digitally across the United States, with ACK physical locations to follow across the US.
Who can get the ACK card?
Anyone 18 or older living in the United States, with a US address and a Social Security number or ITIN, verified with standard KYC documents.
Can I use it in the US and abroad?
Yes. In the US and anywhere in the world, in any currency. You pay the network’s wholesale exchange rate; ACK adds no markup.
Can I use ATMs?
Yes, any ATM in the world. ACK adds no markup. The ATM owner may charge its own fee.
How do I fund it?
Bank or brokerage transfer (ACH or wire) in any currency, direct deposit from your employer, or stablecoin from your wallet or exchange.
Digital or physical?
Both. Your choice.
Does it work with Apple Pay and Google Wallet?
Yes. Add the ACK card to Apple Pay, Google Wallet or Samsung Wallet and tap to pay with your phone or watch, or tap the contactless card itself. You can also add it to PayPal, Venmo and Cash App. More
How do I get the ACK card?
Join the waitlist with your email. When the ACK card opens, we’ll email you; you open your account online, verify your identity, and choose digital, physical or both.
When does it open?
Join the waitlist and we’ll email you when the ACK card opens. First in, first access.
Who is behind ACK?
The ACK card is built by a founder who spent ten years taking one company from its first year to its stock-exchange listing in 2025 — running finance and general management across several countries, and leading the IPO itself end to end.
How do I reach you?
Join the waitlist
We’ll email you when the ACK card opens. First in, first access.