The card built for the night economy
Umbra is a debit card that moves at the speed of your life — instant issuance, zero FX fees, and cashback that lands before the receipt prints.
Why Umbra
Everything a card should have done years ago
We rebuilt the debit card from the chip up — no legacy rails, no legacy thinking.
Issued in ninety seconds
Open an account, verify once, and a virtual Umbra lands in your wallet before the kettle boils. The metal card follows in two days.
Zero FX. Anywhere.
Interbank rates on 54 currencies, around the clock. No weekend markups, no hidden spread, no asterisks.
Cashback that compounds
Up to 3% back on every swipe, paid daily and auto-swept into a 4.1% APY vault if you never want to think about it.
Night mode limits
Set spending curfews that lock categories after midnight. Your future self says thank you.
Instant everything
Freeze, unfreeze, reissue, rotate card numbers per merchant — all from the app, all in one tap.
No monthly minimums
Keep a dollar or a million in the account. The core card stays free either way, forever.
The app
Your money, legible at a glance
A home screen that answers the only question that matters: where does it all go?
Available
$8,214.06
•••• 4417
A. Okonkwo — Nocturne
Spend this week
Security
Paranoid by design, calm by default
You should never have to think about card security. So we think about it obsessively, for you.
- Per-merchant virtual numbers
Every subscription gets its own card number. One leaks, you burn one — not your whole account.
- Biometric-gated transfers
Anything above your threshold needs your face or fingerprint. Passwords alone move nothing.
- Anomaly radar
On-device models learn your rhythm and flag the swipe in Lisbon while you are asleep in Lagos.
- FDIC-insured reserves
Deposits held with partner banks, insured up to $250,000. Boring where it counts.
Pricing
Pick your shade of dark
Start free. Upgrade when the perks pay for themselves.
Everyday
Core
$0 / forever
- Virtual + physical card
- 1% cashback on everything
- Zero FX on 54 currencies
- Instant freeze & reissue
Most popular
Nocturne
$9 / month
- Everything in Core
- 3% cashback, paid daily
- 4.1% APY auto-vault
- Airport lounge passes ×4 / yr
- Metal card, matte black
For founders
Umbra Black
$29 / month
- Everything in Nocturne
- Dedicated concierge line
- Unlimited lounge access
- 5 sub-cards for your team
Get started
Ninety seconds from now, you have a better card
No credit check for the core account. No paperwork. Just a phone, a face, and a slightly dramatic sense of style.
Claim your Umbra