Business banking and payments, together on Stripe
Open a bank account1 in minutes with no minimums or monthly fees.
Fast access to settled funds and instant transfers on Stripe
Move money in minutes2% cashback on purchases and rewards on balances
Make your money work harderCash flow analysis, insights, and automated money movement
Integrate with your agentsCross-border money movement with fewer fees and less friction
Operate globally with easeThe opportunity
Stitching together multiple banks, card providers, FX tools, and payment processors means unnecessary fees, slow settlement, manual reconciliation, and limited visibility into cash flow. Instead of helping you grow, your financial stack becomes a bottleneck.
Stripe Treasury brings together banking, card spend, payouts, and more in one place. Hold funds where your revenue lands, earn rewards on spend, pay vendors globally, and run all of your financial operations from one platform.
Move your money faster for less.
Put funds to work instantly, send free transfers to Stripe businesses, and pay out to recipients globally.
Access settled funds right away
Skip the external bank transfer. Settled earnings from your payments balance can move directly into your Stripe Treasury account, ready to use the moment they arrive.
Pay other Stripe businesses instantly, for free
Add a Stripe profile to send and receive funds from other businesses on Stripe instantly, with zero transaction fees.
Send money to anyone, anywhere
Send one-time or recurring payouts to 160+ countries in minutes, and reduce FX costs by paying out in local currencies or stablecoins.
Make your money work harder.
Earn 2% cashback on daily spending and 1% back on your balance as credits toward Stripe fees.
Earn cashback on card spend
Earn 2% cashback on purchases wherever Mastercard is accepted—available for both physical and virtual Stripe cards. Set flexible spend controls and get real-time reporting.
Hold more, pay less
Every dollar you keep in Treasury lowers your Stripe payment processing fees. Earn 1% a year in credits on balances exceeding $2,000.
Automate financial operations with agents, within limits you set.
Let your agents analyze cash flow, pay vendors, and issue cards using Stripe’s Model Context Protocol (MCP).
Get real-time cash flow visibility
Ask your agent about balances across any account and currency, transaction history, and cash flow at any time.
Automate daily financial tasks
Use agents to pay invoices, set up vendors, move money, convert currencies, and issue cards with spending controls.
Stay in control of every dollar
Define what agents can do autonomously and what needs your sign-off.
Reduce FX costs and move money across borders faster
Hold balances in local currencies, convert only when needed, and send payouts to 160+ countries across traditional and stablecoin networks for faster settlements.
See availability
Before Stripe Treasury, every payday meant manually moving funds into Stripe and often hitting bank transfer limits. Now, we keep payouts in a dedicated financial account and handle everything from the Stripe Dashboard. We have more control over cash flow and spend less time on financial admin.Read the story
Treasury and the Stripe card gave us a practical way to centralize and track our spending within the same financial ecosystem already supporting our customer billing.Read the story
[With Treasury] we don’t need a traditional bank account at all. The money is already flowing through Stripe.Read the story
What’s included
- Instant access to Stripe payments balance
- Multicurrency settlement of payments balance
- Account and routing numbers
- Direct deposit
- Funding via ACH or wires
- Funding via stablecoins
- FDIC insurance2 on USD balances
- 1% Stripe processing fee credits
- Multicurrency balances (USD, OUSD, GBP, EUR)
- Instant currency conversion
- Xero and QuickBooks integrations
- Balance and transaction reporting
- Automated reconciliation
- Payouts to 160+ countries
- Instant, free transfers to Stripe businesses
- Scheduled payouts
- Instant payouts in stablecoins to wallets
- Instant payouts to cards
- Same-day ACH
- Domestic and international wires
- Virtual and physical debit card
- 2% cashback
- Card spending limits and reporting
- Real-time authorization controls
- Cardholder management
- Expense tracking and categorization
Run your banking and secure your funds on the platform that powers over 1.6% of global GDP
FDIC insurance
USD funds held in a Stripe Treasury bank account are FDIC-insured2 up to $250K.
Transaction approval routing
Rule-based routing sends every transaction to the right approver automatically—whether initiated by a human or an agent.
Use Treasury with Stripe products built for founders
Incorporate with Stripe Atlas.
Form a Delaware C corporation, get your EIN, and issue equity in a few clicks.
Fundraise with SAFEs.
Create, send, and track SAFEs right from the Dashboard.
Provision your app stack from the CLI.
Add hosting, databases, auth, AI, and more in one command.
Offer financial services directly in your platform
Give businesses a full suite of financial services. Treasury for platforms powers embedded accounts for companies like Shopify, Instacart, and Arc, so their merchants can hold funds, spend with cards, pay bills, and earn rewards.
Explore Treasury for platforms
Frequently asked questions
Learn more about Treasury.
What is Treasury and how do I know if it’s right for my business?
Stripe Treasury brings banking and payments together on Stripe, so you can receive, store, send, and spend funds in one place. It’s built for startups and growing businesses that want to simplify their financial stack, move money faster, and spend less time managing financial operations.
How does Stripe Treasury help businesses operate globally?
Stripe Treasury eliminates cross-border banking friction by offering multicurrency accounts with the ability to pay out across 160+ countries. Businesses can convert currencies instantly at mid-market rates, or expand their reach and reduce costs using dollar-backed stablecoins.
Can AI agents manage financial workflows with Treasury?
Yes, Treasury lets you delegate repetitive financial operations to agents and give them exact parameters. Businesses can automate tasks like paying invoices, converting currencies, and issuing cards.
New ways to turn global demand into revenue
Learn how to expand your global reach and boost cross-border revenue using Stripe’s new global tools.
Read moreIntroducing stablecoins for Treasury in 101 countries
Streamline global money management across 100+ countries using Treasury’s new fiat and stablecoin capabilities.
Read moreSimplify global currency management
Explore ways to reduce FX costs, manage multiple currencies, and streamline global money movement.
Read morePrepaid debit cards are issued by Cross River Bank and Lead Bank. Cash-like, high-risk resale, gambling, and government payments transactions are not eligible for cashback.
1 Stripe Treasury includes various distinct Stripe products. See stripe.com/legal/ssa for applicable product terms. Stripe is not a bank. Deposits are insured through Fifth Third Bank, National Association, Member FDIC. Checking accounts are provided exclusively by Fifth Third Bank.
2 Stripe is a financial technology company and not a FDIC-insured bank. Certain conditions must be satisfied for deposit insurance coverage to apply. Funds eligible for FDIC deposit insurance are held at Fifth Third Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC insured depository institution; and applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category.