Faster in. Smarter out. Meet Spend Accounts.

At Fluz, we’ve always believed that managing your money shouldn’t slow you down. Today, we’re taking that belief further with Spend Accounts, the foundation for faster, smarter, and more controlled payments across Fluz.

One balance no longer fits all

Traditional digital wallets lump every transaction into a single pot. Spend Accounts flip that model on its head. You can now create dedicated balances by purpose, person, or project so every dollar you move has clear intent.

Whether you’re funding a personal “Lunch Budget,” managing a family subscription pool, or giving your team access to shared Fluz benefits, Spend Accounts help you define who can spend, how much, and where, in real time.

Instant deposits

Forget the settlement lag. Deposits hit instantly, letting you move money and put it to work right away. You can fund your accounts through ACH, card, PayPal, or digital wallets, with zero processing fees on ACH and flexible options when speed matters most.

Every transfer, top-up, and payment updates instantly, giving you live visibility into balances and activity.

Share freely. Manage securely. (Coming soon)

Spend Accounts are the foundation for collaborative spending on Fluz. Soon, you’ll be able to invite friends, family, or teammates to share that control. Each invite creates an authorized user with access scoped to the accounts you choose, not your entire balance.

They’ll be able to buy gift cards, pay bills, or fund purchases only within the precise limits you set, and every action is surfaced in real time. No hidden movements. No guesswork.

Each shared Spend Account acts like its own permissioned micro-budget, giving you fine-grained oversight into who spends, how much, and where.

Built to fund everything on Fluz

Spend Accounts power every experience inside Fluz and unify them under one control center.

• Gift cards: Buy digital gift cards, earn instant cashback, and stay within budget.
• Virtual cards: Issue cards tied to specific accounts to control spend across merchants.
• Bill payments: Schedule or send payments to over 70,000 billers across the U.S.

Each transaction draws from the Spend Account you choose, so your budgets stay intact and your funds stay organized.

Security that runs deep

Your money and data are protected by industry-grade encryption, multi-layer authentication, and real-time alerts the moment any payment moves. Funds are held by regulated banking partners and insured up to $250,000 FDIC, ensuring your balance is protected even in the rarest scenarios.

Confidence isn’t a feature. It’s the foundation.

Why it matters

Spend Accounts aren’t just a new way to pay. They’re a smarter way to think about money movement. It’s spending redesigned for real life, shareable, instantaneous, and always within your control.

For individuals, it means instant clarity over budgets and shared spending.

For teams and businesses, it’s the infrastructure for controlled collaboration and transparent expense management, all within the Fluz ecosystem.