Send. Spend. Save.
Invest. All of it.
One app for every dollar in your life. Pay anyone with a $nitrotag, spend with the Nitro Card, earn 4.50% APY on savings, invest in stocks & Bitcoin from $1, and file your taxes free.
- FDIC-insuredup to $250k via partner banks
- Instant transfersbetween Nitro users, 24/7
- Freeno monthly fees, ever
Everything Cash App does. Built better.
Nitro Personal sits on the same global payments rails our businesses use — so your money moves faster, further, and with more behind it.
Send to $anyone, instantly
Pick a $nitrotag, drop a note, add an emoji. Money moves the moment you tap send — no fees between Nitro users.
Claim your $tagSpend like cash — with Boosts
Free Visa debit, virtual or matte-black metal. Tap one Boost and get instant cashback at coffee, gas, groceries, streaming and more.
Order a cardGet paid up to 2 days early
Your own routing & account number. Allocate a slice of every paycheck straight to Savings or Bitcoin — automatically.
Set up direct depositEarn 4.50% APY, round up the rest
High-yield savings on every dollar you hold. Turn on Round-Ups to sweep spare change from card spend into savings or BTC.
Start savingFractional stocks from $1
Buy a slice of any major stock. Set recurring buys weekly or monthly. Zero commission, no minimums.
Start investingBuy, sell, send BTC
Spot prices, Lightning withdrawals, recurring buys. Convert your paycheck into Bitcoin without lifting a finger.
Get BitcoinFile free, federal & state
Personal tax filing — federal and state — at zero cost. Imports W-2 and 1099 from Nitro automatically.
File this yearNitro vs. the other money apps
One $tag. One card. One bank.
Move money. Spend money. Grow money. The world's most complete personal finance app.
Get the app