Receive monthly UBI payments, access a full-featured bank account, and build credit—all with no fees, no minimum balance, and no credit check.
Join 8,400+ people already receiving UBI
ubi.cards combines Universal Basic Income with essential financial tools to help you thrive
Receive monthly UBI payments automatically deposited to your account. Funded by interest from our pooled savings program.
A complete banking experience with no monthly fees, no minimum balance, and no hidden charges.
Keep your family finances organized with up to four subaccounts. Each person gets their own debit card while you maintain spending control.
A revolutionary approach to Universal Basic Income powered by collective interest earnings
All ubi.cards accounts are backed by a collective interest-bearing savings pool. The interest earned is distributed equally among all active accounts each month, creating sustainable UBI payments without external funding.
Collective savings earn interest
Interest accumulates monthly
Equal distribution to all users
Sign up for your ubi.cards account and join the collective savings pool automatically.
Your account contributes to the collective pool that earns interest from secure investments.
The pooled funds earn interest through high-yield savings and conservative investments.
Monthly interest is divided equally among all active accounts as your UBI payment.
Thousands of people are already benefiting from ubi.cards
Sarah K.
UBI recipient
"The monthly UBI from interest earnings has been incredible. It's sustainable and grows as more people join. The banking features are simple and just work."
Marcus J.
Student & part-time worker
"As a student, the UBI payments help me focus on studies. Knowing it's funded by our collective interest makes it feel more secure than traditional programs."
Elena R.
Mother of two
"The subaccounts feature is perfect for our family. Each of my kids has their own card with spending limits, and I can track everything from one dashboard."
Everything you need to know about ubi.cards
Any US resident 18 or older with a valid Social Security Number can apply. Income requirements vary by region, but most working and middle-class individuals qualify.
You can create up to four subaccounts for family members. Each gets their own debit card, but you control spending limits, transaction types, and can monitor all activity from your main account.
Our UBI is funded through interest earned on the collective savings pool. All user accounts contribute to a shared fund that earns interest through high-yield savings and conservative investments.
No monthly fees, no minimum balance requirements, and no hidden charges. We make money through merchant transaction fees, not from our users.
Yes, you can create subaccounts for family members of any age. For minors, you maintain full control over spending limits and transaction approvals.
Yes, your ubi.cards debit card works worldwide wherever Visa/Mastercard is accepted, with no foreign transaction fees.
UBI amounts vary based on the total interest earned and number of active accounts. As the pool grows and earns more interest, payments can increase over time.
Yes, all funds are FDIC insured and invested in secure, low-risk instruments. You maintain full access to your account balance while contributing to the collective UBI pool.
Join thousands of people already receiving monthly UBI payments funded by collective interest earnings
Application takes less than 5 minutes