United States
activeFeaturedNeobankBroker
- HQ
- San Francisco
- Fee
- $0 on Checking and Savings
Ivella
US couples fintech. Sunset. Team joined EarnIn. Historic partner was Blue Ridge Bank.
Closed 2025
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5.2Caution
AlternativesFive questions
At a glance
Is it a bank?
No. Ivella is not a bank. The money sits with Blue Ridge Bank, N.A. (historic).
If it fails?
Was FDIC pass-through at the partner bank if records were in order. Product is gone. EarnIn is not a successor current account.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Was app-priced — product gone
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
5.2
/10 · Caution
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.
What it is
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.
Best for: Historical — couples-fintech case study.
Last checked 2026-08-30. Not advice.
Closed 2025
Product sunset. Founders joined EarnIn. Historic deposits sat at a partner bank (Blue Ridge Bank, N.A. in the live era).
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
Who holds the money
The account
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Personal
- Settlement
- App-ledger instant; bank rails per corridor
- Freeze risk
- Closed — no new customers
- Card
- Ivella lists a physical card and a virtual card on visa, plus Apple Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Was FDIC pass-through at the partner bank if records were in order. Product is gone. EarnIn is not a successor current account.
Who holds the money: 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 logStatus
Sunset. Team joined EarnIn
Historic Blue Ridge Bank BaaS. EarnIn is not a successor current account.
Available in
Straight answers
FAQ
01Is 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).
02How 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.
03Where is Ivella available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Ivella.
04Card and wallets?
Ivella lists a physical card and a virtual card on visa, plus Apple Pay. Confirm the live product in the app — a card is not a current account.
05Can I open Ivella remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
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