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 Nick Manieri apkdeer profile image
    1 week ago Nick Manieri

    I wanted to like this app, but it fell short. The rate is 1.5 unless you boost it by recruiting your friends, which you really don't want to do because then they start at 1.5, not the much higher rates originally advertised. Second, the app is really buggy. I didn't get any daily Billies most days, and now I try to withdraw all my money and it won't give my most of the interest I earned. Update: I requested to close over a week ago and they still have my money and kept it open.

  • user Jackie B apkdeer profile image
    1 week ago Jackie B

    Nevermind that in my opinion their interest rate advertisement is misleading- it has now been almost two months of trying to close my account. there is no help or responses coming from either of the addresses I was given to contact beam. Fortunately the account is empty ;all I need to do is close it. The app directs me back to the email which gets me nowhere. I would avoid setting this up at all costs.

  • user Connor Ohlhorst apkdeer profile image
    2 weeks ago Connor Ohlhorst

    The first Billie I used when I got my account with no money in it gave a 4% interest boost. I saved up billies for 2 months and then put money in the account and now each Billie gives 0.04%. Bait and switch. The app is also plagued with problems of text not displaying properly, billies not appearing, etc. I emailed support about billies not appearing and never got a response. I am worried about getting my money back out after reading the other reviews!

  • user Jacob Lau apkdeer profile image
    2 weeks ago Jacob Lau

    Now STAY AWAY FROM THIS! This app is a scam and they don't tell you things upfront! They also are not very honest and cause a lot of inconvenience and time wastage! Seriously, if you still use it, use at your own risk!

  • user Paul Chen apkdeer profile image
    3 weeks ago Paul Chen

    Very buggy. Clicking on the daily notices to earn your Billie take you to the app but often times the app bugs out so you don't earn the Billie (Billies boost your base interest rate). Another bug is it takes me through the intro setup steps at least once a week. Base interest rates are also pretty low. Daily interest deposits are nice but overall not really worth the hassle until they fix bugs and improve interest rates. Haven't tried transferring money out of the app.

  • user Srinath Gnanassegarane apkdeer profile image
    3 weeks ago Srinath Gnanassegarane

    App is stuck at loading. Can neither add funds nor view rates. Though the app claims to give an higher rate currently it's useless especially for a banking app.

  • user Christine Proietti apkdeer profile image
    1 month ago Christine Proietti

    DO NOT USE! I waited on the wait list forever and when it finally came available I downloaded and transferred money. After seeing the pitiful interest rate that's \"standard\" I transferred my money back to Capital One. That was the 13th... still dont have my money back in my account! Where is my money??? Customer service hasn't responded and now I cant even get the app to log me in! I keep getting an error code. Absolutely unacceptable!

  • user junwen chen apkdeer profile image
    1 month ago junwen chen

    WARNING: They withhold your money for days at a time if you try to withdraw and then don't contact you about it. Do not trust.

  • user Leah Sobel apkdeer profile image
    1 month ago Leah Sobel

    Long process to withdraw money and you can't withdraw any of the interest

  • user Michelle Moore apkdeer profile image
    1 month ago Michelle Moore

    I was a part of the wait list an finally installed the app. I've emailed the Beam Team multiple times and they have not responded. App seemed like a good idea but it did not live up to the expectation. This is my second review I've left as my first one mysteriously did not make it up here. I will be uninstalling.