# Ivella - Banking for Couples — Spend & save with 5.15% APY > Joint and individual banking for couples with high-yield savings. (iPhone/iPad app by Ivella, Inc..) - Source: https://appshunter.io/ios/app/ivella-banking-for-couples/id1527883924 (this page in markdown: same URL + `.md`) - Developer: [Ivella, Inc.](https://appshunter.io/developer/1527884196) - Category: Finance - Price: Free - Rating: 4.55/5 from 659 App Store ratings · 120 written reviews indexed - Age rating: 4+ - Requires: iOS 16.0 · 149 MB - Languages: English - Released: 2022-04-19 - Data updated: 2026-06-10 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/ivella-banking-for-couples/id1527883924/reviews.md ## What is Ivella? Banking and savings products that are designed for couples, no matter where you are in your relationship. The Split Account: Individual accounts & balances, but automatically split transactions. FDIC-insured for up to $250k. The Joint Account: One shared account and balance between you and your partner. FDIC-insured for up to $500k. The Personal Account: Your own individual checking account & savings pods. FDIC-insured for up to $250k. Savings Pods: The shared savings experience you've been dreaming of. Earn up to 5.15% APY*. Send & Receive Money: Send, receive, and request money from your partner in a few taps, for free. Pay Anyone: Send money to any bank account in the United States. Physical & Virtual Debit Cards: Get a physical and virtual Ivella Visa Debit Card that you can use instantly. Access 55,000+ ATMs: Get fee-free access to over 55,000 Allpoint ATMs across the world. No Fees: Ivella has no monthly maintenance fees, overdraft fees, or minimum account balances. Safe & Secure: All of your information is protected using AES-256 and TLS encryption. Instant Support Access: Get instant support access via email or text right within the Ivella app. Our member support team is around 18 hours a day from 6 AM to 12 AM PST. Ivella is a financial technology company and is not a bank. Banking services provided by Blue Ridge Bank N.A.; Member FDIC. The Ivella Visa Debit Card is issued by Blue Ridge Bank N.A. pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. *Annual Percentage Yield (APY) of 5.15% is effective as of 8/8/2023. This is a variable rate and may change after the account is opened. Fees may reduce earnings on the account. For member support, please email support@ivella.com or text (424) 381-0725. Learn more at www.ivella.com ## Key features - Split transactions automatically - Joint and individual accounts - High APY savings pods - Free money transfers - Physical and virtual debit cards - Fee-free ATM access - No monthly or overdraft fees ## What do users think of Ivella? Overall sentiment: mixed **Pros** - 🚀 Easy to use - 💡 Convenient for couples - 👍 Helpful for managing finances - 🚀 Seamless splitting of expenses - 👍 Great customer service **Cons** - 🐛 Account creation issues - 🐛 Delayed money transfers - 🐛 Lack of transparency on subscription fees - 🐛 Unresponsive customer support **Commonly reported bugs** - Unable to create account - Delayed money transfers - Inconsistent subscription fee information **Most requested features** - Option to order blank checks - Faster money transfers - Clearer subscription fee details ## Recent user reviews (10 of 120) All indexed reviews: https://appshunter.io/ios/app/ivella-banking-for-couples/id1527883924/reviews.md ### 1/5 — Error *2025-05-14, version 4.4.0* It won’t allow me to even create account. Says login and that’s it. Doesn’t make sense. ### 1/5 — Can’t even create an account *2025-01-04, version 4.4.0* That was short lived ### 2/5 — I need help *2024-12-10, version 4.4.0* I’m just now discovering this app and i downloaded it but when i opened it didn’t give me the option to create an account it just gave me the option to log in even though this is my first on the app ### 1/5 — Can’t even sign up *2024-11-02, version 4.4.0* I downloaded the app thinking I would sign up for a joint account but all I saw was a log in button and can’t find anywhere to go to actually sign up for account… worst experience ever ### 1/5 — Closed my account with no explanation with months of no reply from support. *2024-09-28, version 4.4.0* I tried to sign in and it just says my account was closed, to contact support. I have emailed multiple times over half a year or more and have never received an explanation, or help, or any acknowledgment at all. Are they even still an operating company?? Was a great app while it lasted… ### 1/5 — Cannot create an account *2024-09-22, version 4.4.0* Inhave tried to create an account ### 1/5 — No way to sign up? *2024-09-05, version 4.4.0* Downloaded, but no way to sign up. ### 3/5 — Can’t create account. *2024-08-05, version 4.4.0* It doesn’t give me the option to create an account. ### 1/5 — Yikes! *2024-06-25, version 4.4.0* Unfortunately, this app doesn’t open up for me anymore. I am just glad that I never had any money on me and my husbands account. I don’t think we will be banking with you guys until this problem is issued. Thanks ### 5/5 — Bummed! *2024-05-16, version 4.4.0* Never been so sad to see an app go! I hope one day it will come back, even if it’s something else. It’s been awesome to use, me & my boyfriend loved it. Thank you for everything Ivella Team, especially the wonderful customer service. It will be missed! ## Frequently asked questions about Ivella ### What is Ivella? Ivella is a financial technology company offering banking and savings products designed for couples. It provides various account types, including individual, joint, and split accounts, along with shared savings pods that offer a high Annual Percentage Yield (APY). The app aims to simplify financial management for partners. ### What are the key features of Ivella? Key features include individual and joint accounts, automatic transaction splitting for couples, shared savings pods with up to 5.15% APY, free money transfers between partners, the ability to pay anyone with a US bank account, physical and virtual debit cards, and fee-free access to over 55,000 ATMs. The app also boasts no monthly maintenance or overdraft fees. ### How much does Ivella cost? Ivella is free to use, with no monthly maintenance fees, overdraft fees, or minimum account balances required. While the app itself is free, it is a financial technology company and banking services are provided by Blue Ridge Bank N.A., Member FDIC. Any potential fees that could reduce earnings on savings accounts are subject to the terms of the account. ### Is Ivella safe and secure? Yes, Ivella prioritizes safety and security. All user information is protected using AES-256 and TLS encryption. Banking services are provided by Blue Ridge Bank N.A., which is a Member FDIC, ensuring deposit insurance for up to $250,000 for individual accounts and up to $500,000 for joint accounts. ### Who is Ivella designed for? Ivella is specifically designed for couples who want to manage their finances together. This includes couples who want to keep their finances separate but split transactions, those who prefer a fully joint account, or individuals who want their own checking and savings pods while still having shared savings options. ## Version history (last 5 releases) ### 4.4.0 — 2024-05-14 Our final update. Thanks, Ivella Team. ### 4.3.0 — 2024-04-02 What’s new on Ivella: • General bug fixes & improvements ### 4.2.0 — 2023-12-20 What’s new on Ivella: • General bug fixes & improvements ### 4.1.0 — 2023-12-01 Introducing Milestones on Ivella! You can now earn points by completing various achievements with your partner all while getting to explore all of our features. Love it? Hate it? Have a feature request? We’d love to hear any feedback you may have for us. Reach out over email or text us through the Ivella app. Thank you for your support! ### 4.0.5 — 2023-10-26 What’s new on Ivella: • General bug fixes & improvements ## Apps similar to Ivella | App | Rating | Price | Category | | --- | --- | --- | --- | | [Gazelle App](https://appshunter.io/ios/app/gazelle-app/id1585881610) | 3.0 (166) | Free | Finance | | [CapWay: More Than Banking](https://appshunter.io/ios/app/capway-more-than-banking/id1217543033) | 3.9 (40) | Free | Finance | | [FutureCard: Cashback Debit](https://appshunter.io/ios/app/futurecard-cashback-debit/id1639711310) | 4.6 (2,018) | Free | Finance | | [Mine (formerly Fizz): MoneyGPT](https://appshunter.io/ios/app/mine-formerly-fizz-moneygpt/id1629069157) | 4.8 (12,186) | Free | Finance | | [OmniMoney by Boost Mobile](https://appshunter.io/ios/app/omnimoney-by-boost-mobile/id1603488754) | 4.6 (41) | Free | Finance | | [Grind24 - Mobile Banking](https://appshunter.io/ios/app/grind24-mobile-banking/id1599201404) | 2.9 (20) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*