New: Meridian now offers 4.8% APY on savings — See rates →
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Meet Meridian.

Banking, reimagined for the modern world. Global accounts, AI-powered insights, and zero hidden fees — open in under three minutes. Banking. Built better.
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$48B+
Assets Managed
320K+
Active Clients
4.8%
APY on Savings
As seen on
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AI-Powered

Your money, with intelligent insights.

Explain your goals and risk concerns in natural language — Meridian AI analyzes your spending patterns, predicts cash flow gaps, and suggests moves that save you money.

Ask Meridian AI
U
I'd like a savings strategy that maximizes my idle cash.
C
Based on your patterns, you have $1,840 in idle cash in checking. Moving it to 4.8% APY savings earns +$88/month. Your subscription spend also increased 23% last quarter.
Idle Cash Found
$1,840
Monthly Gain
+$88
Annual Savings
$1,056
Your savings Without Meridian

Meridian AI is opt-in. Your data is never sold to third parties.

What people are saying

"I switched from Chase six months ago. The AI insights alone have saved me $2,300 in forgotten subscriptions and idle cash."

Sarah K. — Product Designer, NYC

"As someone who works across three continents, the multi-currency account is a game changer. Real rates, instant transfers, zero drama."

David M. — Founder, London

"The automated portfolio rebalancing is better than my old advisor who charged 1.5%. Meridian does it for 0.25%."

Jennifer L. — Software Engineer, SF

Frequently Asked Questions

Is my money safe with Meridian?
Yes. Your deposits are FDIC-insured up to $250,000 through our partner banks. We use bank-level 256-bit encryption, biometric authentication, and real-time fraud monitoring on every account.
How long does it take to open an account?
Most accounts are opened in under three minutes. You'll need a government-issued ID and your Social Security number. No paperwork, no branch visits.
Are there really no hidden fees?
None. No monthly maintenance fees, no minimum balance requirements, no overdraft fees, no foreign transaction fees. We make money from interchange fees on debit card transactions and optional Premium subscriptions.
Can I use Meridian if I'm not in the US?
Meridian is available in 40+ countries. You can hold and transfer in 15 currencies at the real exchange rate.
How does the AI insight feature work?
Meridian AI analyzes your spending patterns, income cycles, and savings opportunities — then sends actionable recommendations. It's opt-in, and your data is never sold to third parties.
What's the minimum to start investing?
You can start a portfolio with as little as $100. No minimum balance requirements, and you can withdraw anytime without penalties.

Banking. Built Better.

Open your account in under three minutes. No branches, no paperwork, no hidden fees.

Get started →