Your money.No SSN required.No hidden fees.
Vamo gives Latino workers direct access to their paycheck — with an FDIC-insured bank account, a debit card, and $1.99 money transfers. All through your employer's payroll.
$1.99 Money Transfers
Pay bills
ITIN or SSN Accepted
Zero check-cashing fees
Spanish-first experience
$1.99 Money Transfers
Pay bills
ITIN or SSN Accepted
Zero check-cashing fees
Spanish-first experience
BEFORE VAMO, AFTER VAMO
Stop paying to use your own money
Start banking with VAMO - through your employer.
Paper Checks are expensive
Lose 4%–25% of your paycheck just to cash it.
Get Paid Directly to Your VAMO Bank Account
Fast, secure direct deposit — plus mobile deposits. FDIC-insured.
Paying Bills is difficult
Money orders, long lines, and extra fees.
Pay Bills Easily
Pay bills electronically — instantly, no money orders.
Carrying Cash is risky
Lost or stolen cash is gone.
Your VAMO Card
Use anywhere Mastercard® is accepted. Surcharge-free ATMs in network. Fraud protected.
Sending Money is expensive and slow
High fees and delays sending money to family.
Share with Family
Transfer money instantly through the app — worldwide. Add up to 4 family cards.
WHY VAMO
Financial exclusion is a $5,000 tax on work.
Most banks require a Social Security number. VAMO accepts ITINs to open bank accounts.
Without bank accounts, workers are forced to pay thousands in fees just to use their own money.
VAMO changes that. Workers receive fully FDIC-insured bank accounts with direct deposit — just like any traditional bank.
ONE CARD. EVERYTHING YOU NEED
Put Thousands Back In Your Pocket
Every year, millions of Latino workers without bank accounts spend more than 10% of their income just to access and use their own money.*
Check-cashing fees, overpriced money transfers, ATM surcharges, and time lost waiting in line — it all adds up to $4,000–$8,000 per worker each year.
*Source: FDIC National Survey of Unbanked and Underbanked Households
Family Wallet
Add up to 4 cards for family members.
Move money between cards instantly. Use anywhere in the world or online.
Money Transfer
Send money home instantly for $1.99.
No hidden fees. Just $1.99 per transfer, even internationally.
Get Paid Directly
No fees. No waiting.
Your employer direct deposits your wages into your VAMO bank account. No paper checks. No check cashing lines.
Online & In-App Purchases
Pay anywhere online or in apps
Amazon, Uber, DoorDash, and more with your VAMO card.
Pay Your Bills
Pay your bills. Instantly.
Pay bills from your VAMO account — instantly, in the app or online. No more money orders.
Mobile Check Deposit
Get paid for other jobs.
Deposit checks directly into your Vamo account using your mobile device.
100% Fraud Protection
You are protected
Your Vamo card is protected against all unauthorized purchases, fraud, and accidental loss. Every time. Everywhere.
HOW IT WORKS
Set up in minutes. Save for years.
1
Your employer signs up
Your company connects Vamo to their existing payroll system. No new software. No disruption.
2
Get your bank account
Sign-up with your ITIN or SSN. No credit check. No ChexSystems. A card in your hands, ready to use.
3
Get paid directly
Paychecks get deposited into your Vamo account. Spend anywhere. Send money home. Pay bills. Save.
FOR EMPLOYERS
A workforce benefit
that costs you nothing.
Deploy Vamo across your team with zero upfront cost.
Reduce paper check overhead, simplify wage compliance, and give your workers a reason to stay.
Paperless & Compliant
Workers get a fully FDIC-insured VAMO bank account, making wage distribution simple and paperless.
A Retention Tool
Better pay access helps employees stay longer. VAMO gives workers the banking tools they need to stay on the job.
Zero Cost to Deploy
No setup fees. No licenses. No cost to your business to get started.
No more paper checks. ITIN accepted. No cost to employer.
Vamo is financial infrastructure designed for the Latino workforce. Culturally relevant, legally compliant and provided through fully licensed, FDIC-insured banking partners, with direct deposit just like any other bank account. No extra work required.
YOUR MONEY IS SAFE
Regulated. Secure. Yours.
Your personal information is never shared — it is used only to provide your banking services.
Your VAMO account is FDIC-insured up to $250,000, and your data is encrypted to protect your funds and identity.
Bank-Grade Security
256-bit encryption
FDIC-Insured
Up to $250,000
Real-time Monitoring
Instant fraud alerts
WHERE VAMO WORKS
Serving the industries thatkeep America running.
Hospitality
Agriculture
Construction
Logistics
Services
Your money. Your life.
Join the movement to end the hidden tax on work.
Ask your employer about Vamo — or sign up your team today.