Flexible solutions to add money movement at scale to your platform.

Spend accounts

Freedom to share. Power to control.

Create spend accounts to manage money on Fluz with flexibility and control. Open and close accounts on demand, fund instantly, set budgets, and share access with others.

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Your money, ready the moment your are

Add funds instantly with the flexibility to deposit how and when you want. Your balance is available immediately, ready to power your next move on Fluz.

Instant access to your funds

Forget settlement delays. Get real-time access the moment you deposit, so you can put your money to work right away.

Flexible funding, fewer fees

Deposit through ACH to avoid processing fees, or use card, PayPal, and digital wallets for added flexibility when you need it.

Every dollar, exactly where it belongs.

Create accounts for anything—trips, projects, kids, side hustles. Move money between them with a click. Share with anyone, and set exactly how much they can spend.

Create and close accounts on demand.

Open dedicated Spend Accounts in seconds, and shift funds between them to fine-tune budgets, control spending, and keep your money organized by purpose.

Share them with friends, family or teammates.

Control who can view, fund, or spend from each account. Assign permissions in a few clicks and keep oversight simple, secure, and centralized.

Use them to budget how much others can spend across Fluz.

Define access and set budget limits for others across Fluz features—from gift cards to virtual cards and bill payments.

Virtual account numbers.

Money in. Organized by client, friend, or project.

A spend account's details showing its dedicated routing and account number.

Every spend account gets its own bank details.

A real routing and account number that belong to that account alone, issued through our partner bank network.

A transfer details letter with everything a sender needs to route ACH and domestic wires.

Get paid by ACH or domestic wire.

Clients, platforms, and payroll can pay you directly — funds land straight in the linked spend account.

Creating a nicknamed spend account with its own account number.

Money arrives already assigned.

Create an account per client, vendor, or project, and every deposit lands in the account you built for it.

The ACH debit toggle controlling whether an account number can be debited.

You decide whether money can move out.

A simple toggle controls whether billers can pull payments. Switch it off and debit attempts are declined.

Every spend account gets its own bank details.

A real routing and account number that belong to that account alone, issued through our partner bank network.

Everything, accounted for

See every balance, transaction, and shared action in one place. Know exactly who spent what, the moment it happens.

Export-ready statements

Download a clean statement for any account, anytime. Each one only shows what belongs to that account.

Real-time visibility built in

Balances, transactions, and shared activity—all in one feed. Know who did what, the moment they do it.

Trust runs deep.

Every layer of Fluz is built for security, speed, and transparency.

FDIC insured up to $10M

Spend account funds are held through the Austin Capital Bank Deposit Program and are eligible for pass-through FDIC insurance up to $10,000,000.

Disclaimer

*Fluz is a financial technology company, not an FDIC-insured bank. Spend account funds are placed through the Deposit Program offered by Austin Capital Bank, Member FDIC, which acts as custodian and deposits funds at one or more FDIC-insured Program Banks. FDIC insurance only covers the failure of an FDIC-insured bank. Pass-through coverage up to $10,000,000 is available only if certain conditions are met. There may be a risk that FDIC insurance is not available because conditions have not been satisfied. In such cases, funds may not be fully insured in the event the insured depository institution where the funds have been deposited were to fail. Coverage is governed by the Deposit Program Custodial Agreement. Rewards and cashback are not FDIC insured.

Locks on your money and data

Your Spend Accounts are protected by industry-grade encryption and secure protocols to keep your funds and data safe.

Real-time alerts

Stay in control with instant notifications the moment a payment is made, received, or scheduled—so there are never surprises in your balance or activity.

Spend accounts

Freedom to share. Power to control.

Your money, ready the moment your are

Instant access to your funds

Flexible funding, fewer fees

Every dollar, exactly where it belongs.

Create and close accounts on demand.

Share them with friends, family or teammates.

Use them to budget how much others can spend across Fluz.

Virtual account numbers.

Every spend account gets its own bank details.

Get paid by ACH or domestic wire.

Money arrives already assigned.

You decide whether money can move out.

Every spend account gets its own bank details.

Everything, accounted for

Export-ready statements

Real-time visibility built in

Trust runs deep.

FDIC insured up to $10M

Disclaimer

Locks on your money and data

Real-time alerts

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