1. Compare
Choose the plan that fits your nights.
Banking, after dark
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.
1.2M+Cardholders
54Currencies with zero FX
90sTo first swipe
Your journey from application to first swipe.
Five clear checkpoints. Your progress is saved locally in this interactive portfolio prototype.
2. Eligibility
Quick check with no impact on credit.
3. Identity
Verify in minutes from your phone.
4. Fund
Add money in your currency, instantly.
5. Activate
Your card is ready. Tap, insert, swipe.
Total control.
Right from the app.
9:41● ◒ ▮
umbra•••• 7984
Available balance2,560.00 USD
❄Freeze cardOff
☾Night mode360 USD limit
✈Travel noticeOff
♢Transaction alertsOn
↔Instant transfersReady
Benefits that hit different.
Zero FX fees
Spend in 54 currencies at real exchange rates.
Cashback that lands fast
Earn up to 3% cashback on nights out.
No monthly minimums
No hidden fees. No minimum balance. Ever.
Instant issuance
Get your virtual card in 90 seconds.
Pick your night. We’ve got a plan.
Lite
Perfect for getting started.
0 USD / mo
- Zero FX fees
- 1% cashback on nights out
- Instant virtual card
Plus
More rewards. More perks.
5 USD / mo
- Zero FX fees
- 2% cashback on nights out
- Airport lounge access
- Priority support
Max
Unlimited nights. Maximum perks.
15 USD / mo
- Zero FX fees
- 3% cashback on nights out
- Global lounge access
- Concierge support