FAQs

Ivella is a financial technology company building the best banking and savings products for couples.

You can find our mission statement here!

We’re based in sunny Santa Monica!

Yes, we’re always looking for driven and talented individuals to join our team. Please check out our open roles here.

The Split Account is an easy way for you and your partner to start sharing expenses. With the Split Account, you and your partner have individual accounts and balances, but you’re able to automatically split any transactions that you make using your Ivella Debit Card!

Whether you've been dating for six months or recently got engaged, we think you'll find value in trying Ivella. We’ve had couples sign up for Ivella as early as one month into their relationship.

When you connect with your partner, you’ll set your Split Ratio, which is the default way you want to split transactions (e.g. 50/50 or 70/30). Purchases made with your Ivella card will be automatically split based on this figure.

Yes, you and your partner can adjust your Split Ratio at any time, and this will be reflected once both parties agree to the change.

Yes, after a transaction has been made, both you and your partner have the ability to retroactively adjust the ratio of that specific transaction. Changes to the ratio of a transaction will result in instant changes between you and your partner’s balances.

No, the Split Account is entirely free to use! There are no initiation costs, account minimums, or overdraft fees.

You and your partner will both receive one (1) physical card and one (1) virtual card, so in total you’ll be given four (4) Ivella Visa debit cards. Your virtual cards will be available to use instantly, and your physical card should arrive in 5-7 business days.

Yes, you can send, receive, and request money from your partner in a few taps, for free.

Yes, you can send money from your Split Account to any bank account holder in the United States. All you’ll need is a name along with an account and routing number.

Yes, you have fee-free access to over 55,000 Allpoint ATMs across the world.

The Ivella Visa Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Yes, Ivella Split Accounts are FDIC Insured for up to $250,000 via our bank partner, Blue Ridge Bank N.A.; Member FDIC.

No, the Ivella Split Account functions like a checking account and has no impact on you or your partner’s credit.

When connecting to your partner you agree to share certain information with them regarding only your Ivella account, which includes account information, account balance(s), transaction information, and transfer information. Your partner will not have visibility into your external bank information.

If you and your partner break up, you can disconnect from one another by clicking their profile card on the dashboard. Alternatively, you can email our support team at support@ivella.com, and we’ll help you through the process. Upon disconnecting with your partner, you will retain each of your individual Ivella balances, which now function like completely independent accounts.

You and your partner legally co-own your Ivella Joint Account. That means that both of you can deposit, withdraw, and spend the money from your account.

No, you can open a joint account with whoever you’d like. However, the couples that most commonly open a joint account with Ivella are engaged, married, or living together. If you’re not yet ready for a joint account, consider the Split Account!

The Ivella Joint Account has no monthly maintenance fees, overdraft fees, or minimum account balances.

You and your partner will both receive one (1) physical card and one (1) virtual card, so in total you’ll be given four (4) Ivella Visa debit cards. Your virtual cards will be available to use instantly, and your physical card should arrive in 5-7 business days.

Yes, you can send money from your Joint Account to any bank account holder in the United States. All you’ll need is an account number, routing number, and name.

Yes, you have fee-free access to over 55,000 Allpoint ATMs across the world.

The Ivella Visa Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

Yes, Ivella Joint Accounts are FDIC Insured for up to $500,000 via our bank partner, Blue Ridge Bank N.A.; Member FDIC.

No, the Ivella Joint Account functions like a joint checking and savings account and has no impact on you or your partner’s credit.

You and your partner both have access to the money and decisions made with your joint account. Either you or your partner can close your account, and this process does not need approval from the other person.

In the event of a death, the assets of that account will belong to the remaining partner.

Savings Pods are a modern way for couples to save towards their goals. Each Savings Pod that you create is set up as a unique account, which means that you can clearly bucket your savings towards different goals and spend from them using a dedicated account & routing number.

When you open an Ivella Joint Account you’ll be given one Savings Pod automatically. If you upgrade to Pods+ you’ll be able to create up to 500 Savings Pods.

With Pods+ you’ll get the ability to create up to 500 Savings Pods, set a goal for every Pod, create up to 2 virtual cards just for that Pod, and earn the highest APY regardless of direct deposit status.

By default, you’ll earn 1% APY on your deposits. If you subscribe to Pods+ or add a direct deposit connection to your account, you’ll earn 4.9% APY across all of your Savings Pods.

APY is subject to change based on the Federal Funds Rate. In any case, we maximize your savings by paying you nearly all of what our banking partner pays us. We will always notify you of impending rate changes.

Interest is calculated daily based on the end-of-day Savings Pod balance.

Interest is accrued daily and paid at the beginning of the following month.

Pods+ is $5/month per couple.

You can try out Pods+ for 30 days risk-free. If you don’t like your experience, cancel within the first 30 days, and we’ll refund you for your entire first month, no questions asked.

You can transfer money directly from your Ivella Joint Checking or external bank accounts. You can also set recurring contributions for each Savings Pod.

Each Pod has its own independent deposit and transaction limit. Contributions into one Pod will not affect the limit of another.

Upon deleting a Pod, the money will be instantly transferred back into your joint checking account.

Yes, each Savings Pod has its own unique account & routing number.

Yes, your deposits in Savings Pods are FDIC insured for up to $500,000 by Blue Ridge Bank N.A.; Member FDIC.

If you’ve lost your card or need a new card you can order a new card through on your card page. There will be a $5 card replacement fee billed to your account when your new card is issued, and your new card should arrive in 5-7 business days.

Yes, Ivella includes built-in fraud protection with Visa’s Zero Liability¹ guarantee.

You can dispute a transaction by calling Visa at 1-833-333-0417.

Our dedicated member support team is available to you 18 hours a day from 6 AM to 12 AM PST. Email us at support@ivella.com or text us at (424) 381-0725 and we’ll get back to you within 24 hours.

No, you and your partner have the option to choose between the two, depending on what makes sense for your relationship. Many Ivella couples upgrade from their Split Account to a Joint Account once they are engaged or married!

The Split Account is meant primarily for splitting your expenses and does not come with Savings Pods. If you would like access to Savings Pods, you can do so by upgrading to a Joint Account.

Yes, all of your information is protected using AES-256 and TLS encryption.

Ivella is a financial technology company and is not a bank. Banking services are provided by Blue Ridge Bank N.A.; Member FDIC. The Ivella Visa Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.