Beam Banking APK icon

Beam Banking apk

Download Beam Banking apk for free

Package Name: com.meetbeam.beamapp

Developer: Beam Financial

Category: Free Finance Apps

Publish Date:

Version: 3.0.14

Requirements: Android 21 and above

File Size: 74M

Beam Banking Screenshot
Beam Banking Screenshot
Beam Banking Screenshot
Beam Banking Screenshot
Beam Banking Screenshot

Beam Banking

Earn a steady 1.7–7% in your sleep, FDIC-insured. High interest bank account, now for the rest of us. Best paying bank account for all.


Did you know that U.S. banks today earn on average 4–8% a year on every dollar you deposit into your bank account, passing onto you just 0.01% a year in interest? Banks earned $240 billion in profit in 2018; they can do more for the rest of us.

Beam is a free, fun, high-interest mobile bank account that grows your cash in your sleep. Download the free app to earn 1.7–7% a year, 200x more than your 0.01% interest at Chase, Bank of America and Wells Fargo. The best part, you do not need to switch banks to use it. All funds are FDIC-insured up to $500,000.


Did you know that $100 during the Financial Crisis is now worth only $80? Because of inflation. Right now, with just 1 minute of your time, you can stop your idle cash from losing 2% a year to inflation, and help build a better America.

As featured on CNBC, The New York Post, Forbes, ABC, Techcrunch, Beam is a bank app that pays more cash, funds FDIC-insured, 0 fees (FREE!), no minimum, unlimited and anytime withdrawals. It takes just 1 minute to onboard, and you do not need to switch out your existing bank. Come join us on a mission to change banking for the better, and keep more in consumers’ pockets.


① Download Beam ② Verify your identity ③ Link your existing bank account(s) to fund Beam on your phone, with as little as $1 ④ Start earning 1.7–7% interest on your cash, funds FDIC-insured with unlimited withdrawals. ⑤ Invite friends to earn a higher interest, and earn more together.

BEAM = Because Earnings Always Matter, especially when it takes little to no effort. Access your funds and earn interests anytime, anywhere, as easy as a few taps. More possibilities and uses to come! Oh and don’t forget it’s FREE, forever.

BEAM = Banking as it should be. Because you matter, and the best possible rate matters.


A mobile banking app that gets you paid daily, in your sleep. Earn 1.7–7% interest*, more than 200x your 0.01% interest at Chase, Bank of America and Wells Fargo.


No asterisk. Zero fees means absolutely FREE, in any possible way you can think of.


Safety and security is our top priority. SSL protected, 256-bit encryption. All funds FDIC-insured up to $500,000.


Get 24/7 access to your funds. Easily and securely move funds into/out-of your Beam account. No minimum balance.

FAQ #1 - How is Beam able to pay more?

Traditional banks often earn 4–8% a year on your money but only give you an average of 0.01% a year. These banks often have many costs—excessive executive bonuses, large advertising budgets, and costly downtown bank branches, etc. Without these costs Beam is able to pass on greater savings to you.

FAQ #2 - Where is my cash?

Your Beam account is a bank account, NOT an investment account. Funds are placed at several large, publicly-traded FDIC-insured banks Beam works with.

FAQ #3 - How does 1.7–7% work?

With cash deposited into Beam, you begin earning a minimum 1.7% Base Rate interest and can boost the interest to as high as 7% each day by collecting and using interest boosts (called a “Billie”). You can effortlessly collect a free Billie each day, and if you invite a friend to subscribe to the mailing list here on this website, you each earn 5 Billies that can be saved and used later. The more you invite, the more you earn. You heard it right. It’s just that simple.

Furthermore, when your friends begin to use Beam, you can permanently unlock higher Base Rates (e.g. up to a minimum 3% a year!).

FAQ #4 - Why Beam if I can invest?

Choose to invest only when you see an opportunity. Before you invest, keep your cash at a liquid, FDIC-insured, high-interest bank account like Beam. After you invest, if the market crashes, Beam is where you can fall back on.

* Accurate as of 9.23.2019; may change.
Editor's Note

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  • user Timothy Choe apkdeer profile image
    1 week ago Timothy Choe

    This app is not ready for prod. I hope they have a functioning website. The app consistently lags then crashes. \"Dragging\" the gold bar in the tutorial is almost non-functional. Trying to access the app menu after the tutorial just crashes the app. I honestly don't find this experience reassuring enough to trust them right now for banking and all the sensitive information and account connections it requires.

  • user Fedorick George apkdeer profile image
    1 week ago Fedorick George

    Very nice. i highly recommend.

  • user Francisco Sanchez Jr. apkdeer profile image
    1 week ago Francisco Sanchez Jr.

    The app would lag/freeze a lot at first but the recent updates have helped speed things up. Connecting my bank was easy enough. I will be doing some trial deposits soon to see how using the billies works. I am excited to continue with this project as it develops further. thank you beam!

  • user Ted Heron apkdeer profile image
    1 week ago Ted Heron

    Slow, buggy, freezes, can't stop the tutorial, can't stop the annoying sound effect, but I'll see if you work to get 4+% rate.

  • user Grace Lin apkdeer profile image
    2 weeks ago Grace Lin

    Great for getting a higher interest rate especially if you refer your friends. It is a cool concept to be able to get the highest interest rate out there by finding the highest interest rate paying banks. Great that the money is fdic insured as well!

  • user Jason William apkdeer profile image
    2 weeks ago Jason William

    App crashes constantly, stalls when navigating between views. Current 1.7% interest isn't very good. I have accounts that are over 2.25% and aren't setup like a pyramid scheme for better rates. This may have been a good idea a couple years ago but it took too long to actually come to market. Uninstalled.

  • user Michael Redmond apkdeer profile image
    2 weeks ago Michael Redmond

    App is essentially broken and unusable. Unstable, crashes constantly, and doesn't respond to user input. I'll update this review once it's fixed.

  • user Grover Thompson apkdeer profile image
    2 weeks ago Grover Thompson

    Went through the initial setup and transferred a test amount then it launches into a tutorial that is extremely laggy and eventually just hangs. Restart it and it just goes right back to the tutorial and hangs again. Useless app though they get my info and initial transfer so I guess it served its purpose as far as they are concerned.

  • user James Eastham apkdeer profile image
    2 weeks ago James Eastham

    very laggy and slow. doesn't even work....?

  • user Walter George Kealey apkdeer profile image
    2 weeks ago Walter George Kealey

    Disappointing. I waited over a year for this and the result is a buggy app that doesn't have competitive rates. Several errors meant I couldn't even add funds. You have to link your account, no option to ach deposit with account info. Great idea with poor execution.