higherMark

The easiest neobank on the web. Futureproofed, with the best customer service.

Sign up free and start todaySign up right away and see your dashboard ↓
Total balance
$12,480.00
▲ 4.2% this month
DepositSendLightningWithdraw
USD$9,980.00
Bitcoin0.0381 BTC
LightningInstant
  • Instant transfer received+$250.00
  • Bitcoin purchase−$500.00
  • ACH deposit+$1,200.00

Cards

Spend anywhere Visa is accepted.

A virtual card that spends your higherMark balance. Add it to Apple Pay or Google Wallet and tap to pay.

higherMark
•••• •••• •••• 4242
CARDHOLDERYOUR NAME
EXP12/29
VISA
  1. Sign upOpen your account in seconds.
  2. VerifyConfirm your identity as an individual or a business.
  3. Get your cardA virtual card is issued once you are approved.
  4. Fund itYour balance funds the card, and new payments are spendable right away, before they settle.
  5. SpendAdd it to Apple Pay or Google Wallet and use it anywhere Visa is accepted, online or in store.
FUND

Your balance, your card

Money in your account funds the card. Fresh payments are spendable before they settle, so you never wait on a bank.

WALLET

Tap to pay

Add the card to Apple Pay or Google Wallet in seconds and use it in store or online anywhere Visa is accepted.

CONTROL

Limits and teams

Set spending limits per card. Businesses can issue cards to their team and keep every dollar in one place.

Select merchants such as Uber may earn cashback. Card approval requires identity verification, and availability varies by country and state. Foreign purchases may carry currency and cross-border fees.

Dashboard

See yours in seconds.

Everything you see above opens the moment you sign up. Sample data shown.

Sign up and open my dashboard

Speed

Money at the speed of Lightning.

Settlement time, typical.

Lightning
~1 sec
Card
1–3 days
Wire
1–5 days
ACH
3–5 days

Features

Everything in one account.

Start the moment you sign in. Verify your identity to unlock more.

AFTER SIGN IN

Available right away

  • ACHMove money in and out over ACH.
  • Instant transfersSend in about a second over Lightning.
  • Lightning walletWavelength, free after you log in. You hold the keys.
  • ConvertSwap between balances.
  • Invoices and payment linksGet paid with hosted checkout.
  • Activity and reportsSee every movement clearly.
AFTER VERIFICATION

Unlocked when verified

  • WithdrawalsSend funds out to your bank.
  • CardsSpend your balance with a card.
  • Additional fintech productsNew products open to verified members first.

Verification

Verify once. Unlock more.

01

Sign up

Use your Whop account. It takes seconds.

02

Verify identity

Confirm who you are securely from your dashboard.

03

Unlock

Withdrawals, cards and new products open up.

Lightning

A wallet you hold. Free when you log in.

Spend from Wavelength, or from your Visa card. On-ramp and off-ramp, in the same account.

How Lightning works

Discounts

Members spend less.

Claim Umbrel hardware, streaming, AI credits and more. Your account is credited, and you spend it your way.

Streaming, AI, and moreUmbrel and desktopsBitrefill
See all discounts

Tiers

Start free. Upgrade once.

Paid tiers are one-time payments, never subscriptions.

FREE
$0
  • Every feature, right away
  • Minimal added fee on activity
PREMIUM
$21 one time
  • Reduced fees
  • Discounts and personal bonuses
  • Premium lifetime support by call, voicemail and text
Get Premium
PRIORITY
$100 one time
  • Lowest fees
  • Priority lifetime support
  • 1:1 sessions anytime
  • Discounts and personal bonuses
Get Priority
Suggestion boxWant a discount, an AI product, or something added to a tier? Submit a ticket and ask.

Support

We answer fast.

Open a ticket or message us. Every message is with a real person, and we reply within 24 hours.

Submit a ticketMessage us @highermarkxyz Discord

You can also message or @ us on X, or find us on Discord. Include your email, and keep personal details off social media. For anything sensitive, use a ticket.