Shopify Balance

Zero fees. Faster payouts.

Manage your store’s finances whenever, wherever. Open your free Shopify Balance account in minutes.

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A spanish woman in bright, bohemian clothes smiles while looking at her Shopify Balance account on her mobile device.

Meet Shopify Balance

The free business financial account built right into your store’s admin.

A caucasian business owner's tattooed hands holding their spending card and using the Shopify Balance app on a mobile tablet

Holistic view of your store’s financial health

Manage your money where you make it with comprehensive dashboards, filters, and reports.

Physical and virtual business spending cards

Make in-store and online business purchases to earn cashback and exclusive rewards.

Freedom to make money moves on the go

Download Shopify Balance mobile app to get the best of Shopify Balance—whenever, wherever.

Not a bank account. Better.

Make better money moves for the long-term health of your business.

Skip the fees

No monthly fees, transfer fees, ATM fees, or minimum balance.¹

Get paid faster

Receive money from your Shopify sales up to 4 days earlier than a bank.

Organize your revenue

Open up to five extra accounts to allocate funds for bills, tax season, inventory, and more.

Transfer money easily

Transfer funds in or out, between Balance accounts, or through your favorite financial apps.

Simplify your taxes

Make tax season easier with direct integrations to Quickbooks, Freshbooks, Bench and more.

Earn cashback for spending

Get a free spending card and earn automatic cashback on eligible purchases.²
Log in to set up Shopify Balance

Get the Shopify Balance mobile app

Stay on top of your finances anytime, anywhere.
  • Move money in or out
  • Check your balance
  • View transaction history
  • And so much more
Download Shopify Balance mobile app on the iOS Apple storeDownload Shopify Balance mobile app on the Google play store
A caucasian woman's hand holding her mobile device while the screen shows her Shopify Balance account balance, recent transactions, with a button that says "move money."

Keep your money secure

Rest easy knowing your Balance account is eligible for FDIC insurance, protected through two-step authentication and card control.

Shopify Balance account card settings on mobile

Stay in control of your spending card

Lock and unlock your card directly from your store’s admin to protect your money at all times.

Pay with peace of mind

Your Balance account is eligible for FDIC insurance up to $250,000.

Support you need, when you need it

Get in touch with our support team by email, live chat, or phone 24/7.

Spend your money, your way

Use your spending card to make online and in-store business purchases.

Two latino males named Sergio and Jesus, owners of Gay Pride Apparel, stand smiling with their arms crossed wearing khakis and yellow checkered shirts.

Get your own business spending card

Order a free physical card with your business name on it and instantly receive a virtual card. No personal credit check required.

Use your card wherever Visa® is accepted

Pay bills, make business purchases, and withdraw cash at thousands of ATMs worldwide.¹

Take advantage of Visa® benefits

Access exclusive Visa benefits, including collision damage for rental cars, travel and emergency assistance service, and more.

Make easy, contactless payments

Add your Shopify Balance card to your mobile wallet and pay for all your business expenses—right from your phone.

Earn rewards that matter

A woman's hand holding her spending card with the business name "Maranta Plant Shop" on it. Business logos of companies where merchants can earn spending perks including Snapchat, Google, Instagram, Facebook, UPS, Pinterest, Apple, and Shopify.

2% cashback on must-haves for your business

No points to redeem, just real money to earn. Your rewards never go to waste with automatic cashback.²

10% cashback from the Experts Marketplace

Hire trusted designers, developers, and consultants to help build or level up your business.

Exclusive partner perks you can’t say “no” to

Unlock exclusive offers from Google, Snapchat, and other industry-leading partners to help run and market your business.

Get more with Shopify Balance

Shopify Balance

  • No monthly, account, or transfer fees
  • No minimum balance
  • $0 ATM fees charged by Shopify¹
  • $0 overdraft fees
  • Skip the paperwork and sign up online in minutes
  • Get paid the next business day
  • Manage your money and business in one place
  • Earn up to $2,000 cashback every year
  • FDIC insurance eligible up to $250,000

Traditional banks³

  • $10+ average monthly fees
  • Up to $5,000 minimum balance
  • Up to $5 ATM, plus ATM provider fees
  • Up to $35 per item in overdraft fees
  • In-person application that can take weeks to approve
  • Get paid up to 4 days later
  • Finances and business managed on multiple platforms
  • Limited or no rewards program available
  • FDIC insurance eligible up to $250,000

Most business accounts are not built for ecommerce stores. There are no fees with Shopify Balance. That makes a huge difference.

Michelle & Mag

Owners, Maranta Plant Shop

We’ve got your back

Help Center

Learn more about Shopify Balance.

Visit the help center

Blog

How to Separate Business and Personal Expenses—7 Easy Ways.

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Support

Reach out to our dedicated support team.

Contact support

Shopify Balance

Easier. Faster. More rewarding.

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Frequently asked questions

  • Shopify partners with Stripe, Inc. and affiliated companies, and financial institution partners including Evolve Bank & Trust, Member FDIC & Celtic Bank, to offer money transmission, banking & issuing services, respectively.
  • 1Shopify Balance doesn’t charge you any ATM withdrawal fees, but you may be charged by an ATM provider.
  • 2Earn a maximum of $2,000 cashback on all eligible purchases per calendar year. This cashback limit may not apply in the case of some Balance Partner Rewards. Visit the Help Center to learn more.
  • 3Traditional bank accounts are comprised of publicly available data from select business bank accounts of the top three (3) largest U.S. banks by assets.