Banking Made Simple, Secure, and Smart
Experience the future of personal finance with Capital Digital. Open accounts in minutes, send money globally, save intelligently, and manage your finances from anywhere.
5 min
Account Opening
0%
Account Fees
24/7
Customer Support
Instant Transfers
0.3s averageSmart Savings
Up to 4.2% APYBank Security
256-bit SSLEverything You Need for Modern Banking
From everyday transactions to long-term savings, we've got you covered with our comprehensive suite of banking features.
Digital Payments
Make instant payments with our mobile app, Apple Pay, Google Pay, and contactless debit cards.
- Instant peer-to-peer transfers
- QR code payments
- Bill splitting with friends
- Recurring payment scheduling
Savings & Investments
Grow your money with high-yield savings accounts and automated investment tools.
- Up to 4.2% APY on savings
- Automated round-up savings
- Goal-based savings accounts
- Robo-advisor investment tools
Global Money Transfers
Send money worldwide with competitive exchange rates and low, transparent fees.
- Send to 150+ countries
- 45+ currencies supported
- Real-time exchange rates
- No hidden fees
Smart Budgeting
AI-powered insights help you understand your spending and save more effectively.
- Automatic spending categorization
- Custom budget categories
- Bill payment reminders
- Financial health scores
Digital Cards & Wallets
Virtual and physical cards with advanced security features and instant issuance.
- Virtual cards for online shopping
- Free ATM withdrawals worldwide
- Card freeze/unfreeze instantly
- Transaction notifications
Advanced Security
Bank-level security with biometric authentication and 24/7 fraud monitoring.
- Biometric login (Face ID/Touch ID)
- Two-factor authentication
- Real-time fraud alerts
- FDIC insurance up to $250,000
Choose Your Perfect Account
From basic checking to premium packages, find the account that matches your lifestyle.
Basic
For everyday banking
- Free checking account
- Virtual debit card
- Mobile banking app
- 2 free ATM withdrawals/month
- International transfers
- Premium customer support
- Travel insurance
Premium
For frequent travelers & global users
- Everything in Basic
- Unlimited international transfers
- Free physical debit card
- Unlimited ATM withdrawals
- Priority customer support
- Travel insurance included
- Higher FX discounts
Student
For students & young adults
- No monthly fees
- Virtual & physical debit card
- 5 free ATM withdrawals/month
- Budgeting tools for students
- International student transfers
- Travel insurance
- Priority support
All accounts include: 256-bit encryption • Real-time notifications • Mobile check deposit • No minimum balance • FDIC insurance
Banking That Fits in Your Pocket
Manage your finances anytime, anywhere with our award-winning mobile banking app.
Biometric Security
Secure your account with Face ID, Touch ID, or fingerprint authentication.
Real-time Alerts
Get instant notifications for transactions, deposits, and suspicious activities.
Mobile Check Deposit
Deposit checks instantly by taking a photo with your smartphone camera.
In-app Support
Chat with our support team 24/7 directly from the app.
Personal Loan Calculator
Estimate your monthly payments and interest for personal loans.
Calculate Your Loan
Your Estimate
Monthly Payment
AED 3,592
Total InterestAED 53,592
Total PaymentRates from 3.9% APR for eligible customers
No early repayment fees
Your Money is Safe with Us
We use bank-level security measures to protect your accounts and personal information.
Your deposits are protected up to $250,000 through our partner banks. We never share your personal information with third parties without your consent.
Real-time Monitoring
24/7 transaction surveillance
Instant Alerts
Notify you of suspicious activity
Trusted by 18.5 Million Customers
See how Capital Digital has transformed personal banking for people worldwide.
Sarah Johnson
Digital Nomad
"As someone who travels constantly, Capital Digital has been a game-changer. I can manage my finances from anywhere, exchange currencies instantly, and the customer support is always there when I need them."
Michael Chen
Freelance Designer
"The budgeting tools helped me save 30% more each month. Being able to categorize my expenses automatically and set savings goals has completely changed my financial habits."
Fatima Al-Mansoori
University Student
"The student account is perfect for me. No fees, easy international transfers to support my studies abroad, and the app is so intuitive. It's everything I need as a student managing my own finances."
Frequently Asked Questions
Get quick answers to common questions about personal banking with Capital Digital.
How do I open a personal account with Capital Digital?
Opening an account takes just 5 minutes! Download our app or visit our website, provide your basic information (name, email, phone number), verify your identity with a government-issued ID, and you're ready to go. No paperwork, no branch visits required.
Are there any monthly fees or minimum balance requirements?
Our Basic and Student accounts have no monthly fees and no minimum balance requirements. Our Premium account costs $9.99/month and includes additional features like unlimited international transfers, travel insurance, and priority support.
How do international transfers work and what are the fees?
International transfers are processed instantly through our platform. Fees are transparent: 0.5% for transfers under $1,000, 0.3% for $1,000-$10,000, and 0.1% for amounts above $10,000. Exchange rates are competitive with only a 0.3-0.5% margin above interbank rates.
What security measures are in place to protect my account?
We employ bank-level security including 256-bit SSL encryption, biometric authentication (Face ID/Touch ID), two-factor authentication, real-time fraud monitoring, and FDIC insurance up to $250,000. Your funds are held in segregated accounts with partner banks.
Can I get a physical debit card, and how long does it take to arrive?
Yes! All account types except Basic include a physical debit card. Cards are delivered within 5-7 business days in the UAE and 7-14 days internationally. You'll receive a virtual card immediately upon account opening that you can add to Apple Pay or Google Pay.
What happens if I lose my phone or debit card?
If you lose your phone, you can immediately freeze your account from any web browser. For lost cards, you can instantly freeze/unfreeze them in the app. Replacement cards are shipped within 24 hours of reporting. Your funds remain safe as transactions require additional authentication.
Still have questions? Our support team is here to help 24/7.
Contact Support TeamReady to Start Your Digital Banking Journey?
Join millions who have simplified their finances with Capital Digital. Open your account in minutes and experience banking made better.
Have questions before you start?