Pulse — Banking Reimagined

Now available — v3.0 with AI Insights

Pulse brings together your accounts, spending, investments, and payments in one beautifully designed app. Built for people who move fast.

Download Free Watch Demo

2M+ Users

4.9 Rating

Bank-grade Security

9:41

Good morning, Alex

Tuesday, March 18

Total Balance

$0.00

+$2,140 this month

Send

Request

Invest

Spending this week -18%

Recent

Netflix

Entertainment

-$15.99

Salary

Direct Deposit

+$4,200.00

Starbucks

Food & Drink

-$6.40

Amazon

Shopping

-$34.50

Freelance

Income

+$850.00

Trusted by teams at

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Everything you need

Powerful features,
simple experience

Built for the way modern people think about money. Tap any card to learn more.

Instant Transfers

Send money anywhere in seconds. No fees, no delays — just fast, reliable transfers worldwide.

Our peer-to-peer transfer network settles transactions in under 3 seconds on average, with zero cross-border fees for Pulse Pro members.

Smart Budgeting

AI-powered spending categories, real-time alerts, and visual breakdowns keep you in control.

Machine learning analyzes 12 months of spending patterns and automatically builds a personalized budget that adapts as your life changes.

Crypto Trading

Buy, sell, and hold 40+ cryptocurrencies with competitive rates and zero commission fees.

Access spot markets, set limit orders, and earn up to 6.5% APY on stablecoin holdings — all within the same app as your bank account.

Bill Splitting

Split dinner, rent, or any expense effortlessly. Request and track payments from friends in one tap.

Create shared expense groups, set recurring splits, and get automatic reminders sent on your behalf so you never chase payments again.

Virtual Cards

Generate disposable card numbers for online purchases. Full control, zero fraud risk.

Create unlimited single-use or merchant-locked virtual cards. Set spending limits per card and delete them instantly after use — your real card never exposed.

AI Insights

Personalized financial advice powered by GPT-4. Your AI money coach, available 24/7.

Get proactive nudges when you're overspending, weekly savings tips tailored to your goals, and plain-English explanations of every transaction.

See every screen

Four apps in one

Every view is a fully interactive experience — built with real HTML, not mockups.

Click the tabs and interact with each screen

9:41

Good morning, Alex

Tuesday, March 18

Total Balance

$12,847.50

+$2,140 this month

Send

Request

Invest

Recent

Netflix

Entertainment

-$15.99

Salary

Direct Deposit

+$4,200.00

Starbucks

Food & Drink

-$6.40

Amazon

Shopping

-$34.50

Freelance

Income

+$850.00

Dashboard

9:41

My Cards

•••• •••• •••• 4829

Freeze Card

Temporarily lock this card

68%

of $2,000 limit used

Card transactions

Apple Store

Electronics

-$129.00

Uber Eats

Food & Drink

-$22.40

H&M

Shopping

-$67.90

Cards

9:41

Analytics

March 2026

Spending — last 30 days

Housing42%

Food23%

Transport15%

Entertainment12%

Compared to last month: -12% spending. Great work!

Analytics

9:41

Send Money

Search recipients...

Sarah

Jake

Anna

Ryan

$250.00

Note: Dinner split

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Try it yourself

See it in action

This is a live demo. Scroll the transaction list, tap quick actions to switch screens, use the bottom nav.

Tap the quick actions and bottom nav to navigate between screens

Active Users

Processed Monthly

Uptime SLA

Countries Supported

Built to protect

Your money,
your security

We've built a security framework that meets or exceeds the standards of the largest financial institutions in the world.

End-to-End Encryption

Every transaction and piece of data is encrypted with AES-256 before it ever leaves your device.

Biometric Authentication

Face ID and fingerprint unlock. Your identity is verified, not just your password.

Fraud Detection

Our AI monitors every transaction in real time and flags suspicious activity before it affects you.

What people say

Loved by 2 million people

"I switched from three different apps to Pulse and now I have everything in one place. The AI budgeting actually changed how I think about spending."

Sarah Chen

Product Designer, SF

"Virtual cards are a game-changer for someone who shops online as much as I do. I've had zero fraud incidents since switching to Pulse."

Marcus Webb

Freelance Developer, NYC

"Splitting rent and bills with my roommates used to be a nightmare. Pulse's group payments feature is so slick — everyone just gets a notification and pays in seconds."

Jasmine Park

Marketing Lead, London

Simple pricing

Start free, upgrade when ready

Monthly Annual Save 20%

Free

forever free

1 linked bank account
Basic spending overview
P2P transfers (up to $500/mo)
1 virtual card
AI Insights
Crypto trading

Get Started Free

FAQ

Is Pulse a real bank?

Pulse is a financial technology company, not a chartered bank. Banking services are provided by our partner banks, which are FDIC-insured. Your deposits are protected up to $250,000.

How long do transfers take?

Pulse-to-Pulse transfers are instant. Bank transfers typically settle within minutes using our real-time rails, and up to 1 business day for international wires.

What countries does Pulse support?

Pulse is available in 150+ countries. Full banking features (direct deposit, virtual cards) are available in the US, UK, EU, Canada, and Australia. More regions launching soon.

Can I cancel my subscription at any time?

Yes. Cancel anytime from your account settings with no cancellation fee. You keep Pro/Premium features until the end of your current billing period.

How does the AI budget coach work?

Our AI analyzes your spending history and financial goals to provide personalized recommendations, weekly summaries, and real-time nudges when you're approaching a budget limit.

Ready when you are