Symphony: Save & Earn

Save money. Earn rewards. Travel more.

Credit cards reward spending. Symphony rewards saving.

Earn 5% APY in cash, points, or a mix of both that can be transferred to leading airline and hotel loyalty programs. Every dollar you save helps you grow your money and get closer to your next trip.

Whether you’re building an emergency fund, saving for your next vacation, or simply making your money work harder, Symphony helps every dollar go further.

Earn in cash, points, or both.

Unlike traditional savings accounts, Symphony lets you choose how your rewards are paid.

100% cash interest
100% travel points
Or any mix of both

Change your rewards allocation anytime to match your goals.

Turn savings into travel

Your points can be transferred to participating airline and hotel loyalty programs, helping you book flights, hotel stays, upgrades, and unforgettable experiences.

Instead of earning rewards by spending more, earn them simply by saving.

Why people use Symphony

Earn a fixed 5% APY on your savings
Earn points on every dollar you save
Transfer points to airline and hotel partners
Choose cash, points, or both
Fast deposits and withdrawals
No fees or minimum balance requirements

Built with security in mind.

Your money is protected through multiple layers of institutional-grade security, independent custody partners, smart contract coverage, and additional reserve protections designed to help safeguard customer assets.

Limited Time Offer: New Member Welcome Bonus

New members can unlock +100,000 bonus points when they start saving.

Download Symphony today and discover a better way to save.

Terms and eligibility requirements apply. See symphony.io for more details.