Banking for people who build things.
Personal, business and corporate accounts with clear terms, every major currency, and an advisor who actually picks up the phone.
Rated 4.9 by 12,400+ clients
Business · USD
$84,560.42
Invoice paid
+$8,450.00 · just now
1989
Founded
250k+
Clients served
$4.2B
Moved each year
< 2 min
Average time to a human
Who we bank
One bank, every stage of your finances.
From a first paycheck to a multi-entity treasury — the same people, the same standards.
PersonalEveryday banking, done properly
Multi-currency accounts, cards and savings — with a named advisor a phone call away.
BusinessFor owners who wear every hat
Invoicing, payroll, multi-user access and cross-border payments in one place.
CorporateTreasury with a direct line
Liquidity, FX and structured finance, handled by a dedicated relationship team.
The Harbor app
Every account. One calm screen.
See USD, EUR, GBP and CAD side by side, send money with a PIN, freeze a card in a tap, and message your advisor without leaving the app.
Instant transfers
Between Harbor accounts in seconds
Virtual cards
Issue, freeze and limit in a tap
PIN-confirmed
Every payment verified by you
Real advisors
Message a person, not a bot
Good morning
Amara.
USD Everyday
Available balance
$442,971.00
Karen Bishop
Your advisor · available now
The Harbor difference
A name, a number, and someone who knows your story.
Talk to a real person
No phone trees or bots. Call or message your advisor directly.
One account, every currency
Hold and spend in USD, EUR, GBP and more, with clear rates.
Terms in plain English
Transparent pricing and statements you can actually read.
Lending
Capital for what comes next.
Personal, business and agricultural loans — underwritten by people who read your whole story.
Multi-currency
Ready wherever you land.
Spend abroad in local currency with fair, transparent exchange rates — no surprise fees.
Security first
Your money is safe, and it stays yours.
FDIC insured
Eligible deposits are protected up to $250,000 per depositor.
Bank-grade encryption
Your data is secured in transit and at rest, 24/7.
PIN-confirmed transfers
Every payment you send is confirmed with your private PIN.
Fraud monitoring
We watch for unusual activity and alert you the moment it matters.
Our people
Meet the people behind your money.
Real advisors, based in the US, ready to help you personally.
Karen Bishop
Personal Banking
Michael Reyes
Corporate Relationships
Adaeze Okafor
Business Banking
Thomas Wright
Wealth & Lending
Client stories
People who made the switch.
“After 30 years with a big bank, switching felt daunting. Harbor made it simple and I actually reach a human when I call.”
Robert Hammond
Retired engineer
“I invoice clients in three currencies. Having it all in one clean account — and knowing it's insured — gives me real peace of mind.”
Linda Marsh
Studio owner
“The app is refreshingly straightforward. No gimmicks, no clutter. My transfers arrive when they say they will.”
David Tran
Consultant
“Our treasury moved over in a week. When I had a question, my relationship manager picked up the phone himself.”
Susan Delacroix
Finance director
“Getting paid used to mean waiting days. Now the money's there and I can see exactly where every dollar goes.”
Gregory Pearson
Restaurant owner
“It feels like a bank that's actually on my side. Clear statements, no surprise fees, and my savings finally earn something.”
Margaret Cole
Architect
Open your account today.
It takes about five minutes. No branch visit, no paperwork, no pressure.