Financial Inclusion
for Everyone

Beem is committed to making financial services accessible to those who need them the most. We understand the barriers people face when trying to access basic financial tools, and we are here to change that. Our goal is to create a simple, transparent platform for today’s needs: helping you build your credit, save, and protect your family, all from one app.

Trusted by

5 Million+

We’re Changing the Way People Manage Money

- Beem isn’t just another app. It’s a solution designed for people who’ve been left out or underserved by traditional banks—those living paycheck to paycheck, with non-traditional incomes, or limited credit history. With Beem, you get access to the financial services that matter to you: instant cash, secure deposits, a credit builder card, and much more. All of this, designed with your needs in mind.

Financial Empowerment for All

- At Beem, we believe in a future where everyone has access to fair, transparent, and empowering financial tools. Whether you’re building your credit, saving for your future, or protecting your family, Beem provides the resources you need to thrive, without the hurdles of traditional financial systems.

Why Beem?

Build Credit
Without Barriers

Start building credit from day one. No credit checks, no complicated applications, and no FICO score required. With Beem, your daily transactions, even ATM withdrawals, are automatically reported to credit bureaus to help you establish a solid financial foundation.

Instant Access
to Cash

Get up to $1,000 instantly via Everdraft™ whenever you need it. No interest, no credit checks, just fast access to your funds for emergencies or daily expenses.

Your AI-Powered
Financial Assistant

Powered by AI, Beem helps you track your spending, save smarter, find better deals, and even helps you find jobs—all personalized to your financial goals. It’s not just about banking, it’s about building a financial future that works for you.

Smart Spending,
Real Rewards

Earn cashback on everyday purchases: 3% on gas, 5% on groceries, and 10% on food, travel, and clothing. Every time you spend, Beem works harder for you.

Secure &
Transparent

Beem’s FDIC-insured wallet gives you peace of mind. Your funds are safe, and your financial information is secure. We provide an all-in-one platform that lets you manage your money easily and securely.

Financial Protection
Built-In

Access job loss protection, life insurance, and healthcare coverage, all bundled into your Beem subscription. When life throws you a curveball, Beem is here to help you stay on track.

Inclusive, Transparent,
and Simple

Get insights on where you need to cut costs
and where you can spend or invest more.

We’re Built for
the New World

Financial needs are evolving, and Beem is here to meet them. With an AI-driven platform and personalized support, we’re helping you navigate today’s financial challenges and create a path toward a brighter, more secure future.

Security You Can Trust

Get timely alerts and manage all bills & subscriptions in one place so you don’t miss any of it

The BEEM Team

- Led by Akshay K, a fintech veteran who understands the challenges faced by underserved communities, Beem is powered by a passionate team of experts. Our team includes professionals from PayPal, Revolut, Amazon, and more, combining industry-leading expertise with a deep understanding of what our users need. Together, we’re building a platform that is simple, effective, and transformational.