Switch: Move Money Your Way

Switch is the ultimate all-in-one payment app designed for you and your friends. Whether you’re splitting rent, planning a group trip, or organizing a charity event, Switch makes managing money together easy and hassle-free. Join over 100,000 college students and 1,000 Greek organizations who trust Switch to simplify their money and make something happen.

Key Features

Shared Bank Accounts & Debit Cards:
- Create shared bank accounts with friends.
- Instantly issue virtual and physical VISA debit cards to anyone.
- Set spending limits, receive real-time notifications, and freeze or unfreeze cards with a tap.

MoneyPools for Group Collections:
- Easily collect money as a group with MoneyPools.
- See who paid and who hasn’t in real-time.
- Set collection goals, send out text blasts, and track contributions in real-time.
- Enjoy seamless contributions via Apple Pay—no app download required for participants.
- Perfect for events, weekend trips, rent, dinners and more.

No Hidden Fees:
- Enjoy a fee-free experience with no per-member, overdraft, account creation, or minimum balance fees.
- Access 42,000+ fee-free ATMs at popular locations like Target, 7-Eleven, Walgreens, and more.
- Transfer payments into Switch by bank (free), debit (1%), or credit (3%).

Cash Back Rewards & Exclusive Perks:
- Earn cash back rewards and enjoy exclusive offers at hundreds of retailers.

Create business accounts for fraternities, sororities, and clubs
- Create an account in less than two minutes.
- Create spending accounts for every committee: social, brotherhood/sisterhood, meals, etc, each with their own permissions and controls.
- Collect money faster with MoneyPools for philanthropies, dues, social events, formals, and merch drops.
- Integrate with QuickBooks to simplify budgeting and accounting tasks.
- Transfer account to new leadership super fast.

Switch is the only free, organized way to manage group money—making it easier than ever to move money your way. Download Switch today and join the movement toward smarter, simpler financial management!


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PRIVACY AND SAFETY are our top priority. We're the most secure and HIPAA, SOC 2, & GDPR-ready chat out there. Regarding payments, we use Transport Layer Security (TLS) bank-grade encryption using 256-bit keys to keep your money safe.

*Switch is a financial technology company and is not a bank. Banking services are provided by Thread Bank, Member FDIC. The Switch Visa Debit Card is issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the term and conditions of the sweep program at https://thread.bank/sweep-disclosure and a list of program banks at https://thread.bank/program-banks. Please contact customerservice@thread.bank with questions regarding the sweep program. Pass-through insurance coverage is subject to conditions.