Ivella

US couples fintech. Sunset. Team joined EarnIn. Historic partner was Blue Ridge Bank.

NeobankclosedUnited States
Closed 2025

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5.2Caution
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Our take

Desk verdict

Graveyard. Ivella sunset the couples account and joined EarnIn. The live homepage says so. Historic cash sat at a partner bank, not at the purple icon. EarnIn is not a successorSlug — it is not a checking product on this desk.

Santa Monica, YC-adjacent, $3.5m seed in 2022. Split pots for couples. Directories will scrape the App Store ghost. This desk writes the obituary so a 2022 roundup cannot pretend it is live.

Ivella lists Fintech. Not a bank. Historic BaaS at Blue Ridge Bank, N.A. under US partner bank (historic) in United States. On safeguarding we currently write: Was FDIC pass-through at the partner bank if records were in order. Product is gone. EarnIn is not a successor current account.. Holder / issuer line: Blue Ridge Bank, N.A. (historic). An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly Was app-priced — product gone; FX —; ATM —. This desk would open it for: Historical — couples-fintech case study.

What it does well: Clean sunset page; Named the join with EarnIn. What to watch: Closed; EarnIn is earned-wage access, not a current account; BaaS history. Desk score 5.2 / 10 (safety 4.4, fees 6.0, features 6.2, app 7.0). Last verified 2026-08-30. Headquartered in Santa Monica, United States; founded 2021. None of this is advice — it is a file so you can read the entity before the card colour.

Best for: Historical — couples-fintech case study.

Closed 2025

Product sunset. Founders joined EarnIn. Historic deposits sat at a partner bank (Blue Ridge Bank, N.A. in the live era).

Pros

  • +Clean sunset page
  • +Named the join with EarnIn

Cons

  • Closed
  • EarnIn is earned-wage access, not a current account
  • BaaS history

How it actually works

Custody
Insured bank deposit
Local rails
ACH / USD
Built for
Personal
Settlement
App-ledger instant; bank rails per corridor
Review risk
Closed — no new customers
Pay surface
visa · physical · virtual · Apple Pay

Safety

Was FDIC pass-through at the partner bank if records were in order. Product is gone. EarnIn is not a successor current account.

Holder / issuer: Blue Ridge Bank, N.A. (historic)

  • US partner bank (historic)Fintech. Not a bank. Historic BaaS at Blue Ridge Bank, N.A. · United States

Fees

Monthly
Was app-priced — product gone
FX markup
ATM

Features

  • IBAN
  • Fee-free core
  • Multi-currency
  • Apple Pay
  • Google Pay
  • Virtual card
  • Physical card
  • Metal card
  • Crypto
  • Stocks
  • Business
  • Kids
  • Halal
  • Was couples split-account checking
  • Partner-bank debit
  • Sunset 2025
  • Team to EarnIn

Score

Safety25%
4.4
Fees20%
6.0
Features15%
6.2
App15%
7.0
Global15%
2.4
Support10%
5.5

Change log

Full log
  1. Status

    Sunset. Team joined EarnIn

    Historic Blue Ridge Bank BaaS. EarnIn is not a successor current account.

Available in

FAQ

01

Is Ivella a bank?

Ivella is not a licensed deposit-taker in the classic sense. Money, if any, sits with Blue Ridge Bank, N.A. (historic).

02

How is money protected?

Was FDIC pass-through at the partner bank if records were in order. Product is gone. EarnIn is not a successor current account.

03

Where is Ivella available?

We list 1 market desk on the desk. Residency and onboarding rules still sit with Ivella.

04

Card and wallets?

visa · physical · virtual · Apple Pay

Ratings and reviews

No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.

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Used Ivella?

Stars plus a short note. We publish after a desk read. “Verified user” is our tick, not yours.

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