Aurex Bank is a fully licensed digital-first bank founded in 2009, serving 2.4+ million customers in 140+ countries. We offer personal and business banking, premium credit cards, instant global transfers, investment products, and loan services - all through a secure, elegant digital platform.
Yes. Aurex Bank holds a full US banking charter and is insured by the FDIC up to $250,000 per depositor. We are subject to oversight by the Office of the Comptroller of the Currency (OCC) and comply with all applicable banking regulations.
Aurex Bank currently serves customers in 140+ countries. Our international wire system and multi-currency wallet support 35+ currencies. Some products, such as loans, may be limited to US residents at this time.
You can contact us via live chat (available in the app and website, 24/7), phone at +1 (800) 287-3900 (Mon-Fri 8AM-10PM EST), or email at support@aurexbank.com. Premium and Elite account holders receive a dedicated personal banker.
Our digital platform is available 24/7. Customer support by phone operates Monday-Friday 8AM-10PM EST and Saturday-Sunday 9AM-6PM EST. Live chat support is available around the clock.
Aurex Bank is primarily a digital bank, though we maintain our headquarters at 350 Fifth Avenue, New York, NY, for corporate meetings and special client appointments. Our entire product suite is accessible through our website and mobile app - no branch visits required.
Open an account in under 5 minutes online at aurexbank.com or through our mobile app. You'll need a valid government-issued ID, your Social Security Number or ITIN, and a valid email address. No minimum deposit is required to open an account.
We offer Personal Checking, High-Yield Savings (4.75% APY), Business Banking, Student Accounts, Youth Accounts (13-17 with parental consent), and Investment Accounts. Each account type is designed with zero hidden fees.
No. Aurex Bank does not require a minimum balance on any account tier. We believe in banking that works for everyone - there are no minimum balance fees, monthly maintenance fees, or dormancy fees.
Yes. You can hold multiple account types simultaneously under one Aurex Bank membership. Many customers maintain a checking account, high-yield savings account, and investment account - all accessible from one dashboard.
You can request account closure through the app settings or by contacting our support team. We'll ensure all pending transactions are settled and any remaining balance is transferred to your preferred external account within 2-3 business days.
Yes. You can add a joint account holder through the app or by contacting support. Both account holders will have equal rights to access and manage the account. Adding a joint holder requires their consent and verification.
We offer three card tiers: Classic Debit (free), Gold Credit ($99/year, waived first year), and Platinum Elite ($299/year, by invitation). All cards include zero fraud liability, contactless payments, virtual card capabilities, and real-time transaction alerts.
Existing Aurex Bank members can apply for a credit card through the app or website in under 3 minutes. New customers can apply during account registration. Credit decisions are typically made within minutes for most applications.
Virtual cards are digital versions of your physical card with a unique card number, expiry date, and CVV. You can create them instantly for secure online shopping. Virtual cards can be restricted to specific merchants, helping protect your main card details.
Classic Debit earns 1% cashback on all purchases. Gold Credit earns 3% on dining and travel, 2% on groceries, and 1% on everything else. Platinum Elite earns a flat 5% unlimited cashback on all purchases - with no caps or category restrictions.
Immediately freeze your card through the app (Settings > Cards > Freeze). This instantly blocks all transactions while keeping your account active. Report the loss to our 24/7 fraud team at +1 (800) 287-3900, and a replacement card will be shipped within 1-3 business days.
Classic Debit has a 1% foreign transaction fee. Gold Credit and Platinum Elite have zero foreign transaction fees. All Aurex cards use the real mid-market exchange rate when paying in foreign currencies.
We offer Home Loans (from 6.5% APR), Car Loans (from 7.9% APR), Personal Loans (from 10.5% APR), Business Loans (from 8.5% APR), Education Loans (from 5.5% APR), and Lines of Credit (from 9.9% APR).
Our minimum credit score is 580 for most personal loans. For premium interest rates on larger loans, a score of 640+ is recommended. We also evaluate income stability, employment history, and debt-to-income ratio in our comprehensive assessment.
No. You can pay off any Aurex Bank loan early at any time - partial or in full - with zero prepayment penalties. We believe in giving you the flexibility to manage your finances on your own timeline.
Personal and car loans are typically approved within 24 hours. Home loans generally require 3-5 business days for full underwriting. Business loans and lines of credit may require 5-7 business days depending on the loan size and documentation provided.
Yes. We offer competitive refinancing options for home loans, auto loans, student loans, and personal loans from other institutions. Many customers refinance with Aurex Bank to access lower rates and eliminate fees from their previous lenders.
We offer a 15-day grace period before a late fee is assessed. If you anticipate difficulty making a payment, contact us at least 5 days before your due date - we'll work with you on payment deferment, payment plans, or hardship assistance options.
Your deposits are FDIC insured up to $250,000. All data transmitted to and from Aurex Bank is protected by 256-bit AES encryption - the same standard used by military organizations. We maintain ISO 27001, PCI DSS Level 1, and SOC 2 Type II certifications.
Every login from a new device requires multi-factor authentication (MFA) via SMS, email, or our authenticator app integration. For high-security actions (such as large transfers or password changes), MFA is always required regardless of device trust status.
All Aurex Bank accounts and cards include zero fraud liability protection. If an unauthorized transaction occurs and is reported promptly, you will receive a full refund - typically within 5 business days while we investigate. Our AI fraud engine monitors all accounts in real time.
Yes. You can instantly freeze your entire account or individual cards through the app. This blocks all new transactions within seconds while keeping your account accessible to you. Contact our fraud team at +1 (800) 287-3900 for immediate assistance.
You can configure security alerts in the app for various events: logins from new devices, failed login attempts, large transactions, card-not-present purchases, international transactions, and account changes. Alerts are delivered via push notification, SMS, or email - your choice.
We never sell or share your personal data with advertising companies. Your data is used only to provide and improve our banking services. You can request a full copy of your data or request deletion (subject to regulatory retention requirements) at any time.
Open the app, tap "Send," enter the recipient's bank account details (IBAN, SWIFT, or routing number), select the amount and currency, and confirm. International transfers are processed using the real mid-market exchange rate with zero fees.
Most international transfers to major currencies (USD, EUR, GBP, CAD, AUD, JPY) arrive within minutes to a few hours. Transfers to less common currencies or regions may take 1-2 business days. Emergency transfers can be expedited for a small fee.
Standard accounts have a daily transfer limit of $25,000 and a monthly limit of $100,000. Premium accounts have $100,000/day limits. Platinum Elite accounts have custom limits set by your personal banker. Limits can be temporarily increased by contacting support.
Yes. You can set up one-time, daily, weekly, bi-weekly, monthly, or custom-schedule automatic transfers to any recipient. Scheduled transfers can be modified or cancelled at any time before the next scheduled execution date.
ACH transfers (within the US) are typically free and take 1-3 business days. Wire transfers are faster (same day or next day) and cost $15 for domestic wires ($0 for Platinum Elite members). International wire transfers are free for all Aurex Bank accounts.
To receive a wire, share your Aurex Bank routing number (021000021) and your account number. For international wires, use our SWIFT code: AURXUS33. You'll be notified instantly when funds are received and your balance will update in real time.
Our support team is available 24/7 and ready to help. Average response time is less than 2 minutes via live chat.