Now in beta
Your money Grows the moment it arrives
Rail automatically splits every deposit into spending and long-term growth so you don't have to think about it.
Rail automatically splits every deposit into spending and long-term growth so you don't have to think about it.
The real cost
You're forced to split your life across a bank, a brokerage, and a dozen apps — each demanding decisions you shouldn't have to make. The result isn't empowerment. It's paralysis.
How it works
No daily decisions. No manual transfers. Rail runs in the background so your wealth builds while you live.
Your income lands in Rail. No extra steps. No behavior change. Just your money, arriving where it should.
More about Get paidEvery dollar is instantly divided — spend, save, invest — based on your rules. Set once, runs forever.
More about Split automaticallyYour invested money starts compounding immediately. No decisions. No timing. No effort. Just growth.
More about Grow silentlyWhy switch
| Banks | Neobanks | Robo-advisors | Rail ✦ | |
|---|---|---|---|---|
| Primary account | ✓ | ✓ | ✗ | ✓ |
| Automatic investing | ✗ | ✗ | ✓ | ✓ |
| Zero idle cash | ✗ | ✗ | ✗ | ✓ |
| Instant allocation | ✗ | ✗ | ✗ | ✓ |
| Spending + investing | ✗ | ✗ | ✗ | ✓ |
| Behavior gap eliminated | ✗ | ✗ | Partial | ✓ |
Your new primary account
Your Station
Your total balance, spending, stash, and investments — all visible at a glance. No switching between apps. No mental overhead.
Every deposit into Rail is instantly split — a portion goes to your spending balance, and the rest is automatically invested through our brokerage partner, Alpaca Securities. No manual steps required.
Rail doesn't hold your funds directly. Cash is held in FDIC-eligible accounts through Bridge, and investments are held at Alpaca Securities, an SEC-registered broker-dealer. All data is encrypted with AES-256.
Rail has no subscription fees, no trading fees, and no hidden charges. We believe your money should work for you, not for us.
Yes. Rail is a full primary account — you get a Visa debit card, direct deposit, and instant access to your spending balance. It works everywhere your current bank does.
Within seconds of your deposit clearing. There's no waiting period, no manual confirmation. Your allocation rules execute immediately.
Yes. Your spending balance is always available instantly. Invested funds can be withdrawn at any time — liquidation typically completes within one business day.
Rail currently supports users in Nigeria, United States and United Kingdom, with more regions coming soon. You'll need to pass identity verification (KYC) to get started.
Limited spots
The first 1,000 users get priority access. Set up takes 2 minutes. Your money starts working the same day.
Join the first 1,000