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Spectre
Accounts · Cards · Payments · Investing

Banking that works as hard as you do.

Hold three currencies, spend with your card, move money anywhere, invest and borrow — all from one secure app.

Open an accountSee what it does
  • Three currenciesLocal details for USD, GBP and CHF
  • Cards in minutesVirtual now, physical by post
  • InvestUS stocks and ETFs, fractional shares
  • Open APIScoped keys and signed webhooks
  • USD · GBP · CHF accounts
  • Add money from your bank
  • Withdraw any time
  • Direct deposit
  • Real-time notifications
  • Search every transaction
  • Export to CSV
  • Report a problem in two taps
  • Passkey sign-in
  • Two-factor security
  • New-device alerts

Everything your money does, in one app

From everyday spending to paying the people you work with — one account, one login, one place to see it all.

  • Accounts in three currencies

    USD, GBP and CHF side by side, each with local account details and one total.

  • Cards

    A virtual card in minutes, a physical one by post. Freeze, limits and PIN in the app.

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  • Pay and get paid

    Send and request between members, bank transfers and international wires.

  • Invest

    US stocks and ETFs in fractional shares, IPO subscriptions and bonds.

  • Security built in

    Passkeys, an authenticator app and a quick check before every sensitive step.

  • Analytics

    Spending by category, monthly budgets with alerts and downloadable statements.

  • Loans

    Home equity lines and education loans, with statements and auto-pay.

  • ATMs nearby

    Find Spectre ATMs on a map or in a list, with opening hours.

  • Open API

    Scoped API keys and signed webhooks, so your own tools can see and move your money.

    For developers

Securing what matters most

  • Passkey sign-in
  • Two-factor codes
  • Confirm it’s you
  • New-device alerts
  • Dispute support

Made for real lives.

Examples of how people use Spectre every day.

  • Invoices land in the GBP account, rent leaves from USD — both visible on one Home screen.
    The freelancerExamplePaid in pounds, rent in dollars
  • Shares routing and account numbers with payroll and gets a notification the moment pay arrives.
    The new hireExampleFirst paycheck, zero hassle
  • Searches a year of transactions, spots a forgotten subscription and exports it all to CSV.
    The budgeterExampleKnows where every dollar went
  • Signs in with a passkey and gets an alert whenever a new device signs in.
    The careful oneExampleSecurity without passwords

Build with Spectre

A documented REST API with scoped keys, idempotent money movement and signed webhooks — so your product can work with Spectre accounts.

curl $SPECTRE_API/v1/accounts \
  -H "Authorization: Bearer $API_KEY"

// 200 OK
{
  "data": [
    {
      "currency": "USD",
      "available": "4286.40"
    }
  ]
}

Frequently asked questions

Answers to the most common questions about accounts, payments and security.

Is Spectre a bank?

Spectre is a financial technology company, not a chartered bank.

How long does opening an account take?

A few minutes: sign up, secure your sign-in, then verify your identity. Most decisions take minutes.

Which devices can I use?

Any modern phone or computer. Install Spectre to your home screen for an app-like experience.

Ready when you are.

Open an account in minutes.

Open an account