# Onyx Private: Bank & Invest — Modern Private Banking > Unified personal and business financial management for small business owners. (iPhone/iPad app by Onyx Card, LLC.) - Source: https://appshunter.io/ios/app/onyx-private-bank-and-invest/id1601866737 (this page in markdown: same URL + `.md`) - Developer: [Onyx Card, LLC](https://appshunter.io/developer/1601865524) - Category: Finance, Lifestyle - Price: Free - Rating: 4.30/5 from 69 App Store ratings · 36 written reviews indexed - Age rating: 4+ - Requires: iOS 14.0 · 76 MB - Languages: American English, French (France), European Spanish - Released: 2022-02-17 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/onyx-private-bank-and-invest/id1601866737/reviews.md ## What is Onyx Private? Onyx Private - One app, Dual Power Empowering Small Business Owners to Thrive and Grow with a Unified Personal and Business App that Simplifies Financial Management. ● High-yield FDIC insured 2.01% Annual Percentage Yield (APY)*** checking accounts ● Instantly Debit Card Funding ● High-limits free money movement (Business Wires, ACH, ATMs, international transactions with zero fees) ● Free Joint Accounts for up to 4 members ● 17g Metal Debit Card and multiple virtual cards. High transaction spend limits on each card ($15k daily limit) ● 1%-5% cashback**** on personal card spending and 1.5% on business ● 1% on credit card bill payments ● Free Personalized Robo-advisory with direct indexing and tax-loss harvesting ● 4-5% Money Market Account and T-Bills Yield ● Premium Financial Advisors AI-enhanced ● Other exclusive member benefits like Lounge Access, Estate Planning, Mortgage Loans, Fitness discounts and more... * (1) Onyx is not a bank. Banking services provided by i3 Bank, Member FDIC. ** (2) The Onyx Visa® Debit Card is issued by i3 Bank pursuant to a license from Visa U.S.A. Inc. *** (3) Annual Percentage Yield ("APY") of 2.01% is variable and subject to change after account opening. APY is effective as of 12/13/2023. Fees could affect earnings on the account. **** (4) Additional terms and conditions apply to cashback rewards. ## Key features - Unified personal and business accounts - High-yield checking and money market accounts - Fee-free money movement (wires, ACH, ATMs) - Cashback rewards on spending - Personalized robo-advisory - Premium financial advisor services ## Recent user reviews (10 of 36) All indexed reviews: https://appshunter.io/ios/app/onyx-private-bank-and-invest/id1601866737/reviews.md ### 1/5 — App not working *2024-01-02* This app had an updated today, and is not working is keep crashing everytime it opens, also very disappointed not all features not working, but keep charging full membership, I don’t think if your product is not working you shouldn’t charge consumers for something that is not working at 100 percent **Developer response:** We sincerely apologize for any inconvenience you faced due to the app issue. Our team identified and promptly fixed a bug on that day. Regarding your membership, we understand your concern, and we assure you that we're actively working to make things right. If you have any specific issues or if there's anything else we can assist you with, please reach out to our customer support team at support@onyxprivate.com. We appreciate your patience and understanding. ### 5/5 — Onyx Private, The Bank you’ll ever need. *2023-11-18* Hi there, With some amazing features you can do a lot! I discovered Onyx while looking for a new bank account while I was staying in the usa and a bank that gives benefits and some perks that people never known them I waited couple of months until I got approved, since then its history, I still have some issues with transffering money since its the first time I use ACH but the rest is amazing, Priority Pass, cashbacks and reimburse abroad if there are atm fees. There is a huge thing when it comes to banking, especially with benefits that cost a fortune. Onyx have it all with only 50$ a month as someone who fly a lot around the world Priority Pass helps me a lot, I can tell that Onyx got the best benefits, after I found Onyx, I want that Onyx will be the main bank in the future, I have the debit metal card and it’s gorgeous! Thank You Onyx, May I will always be your customer, in the usa and abroad! (i can pay my applecare+ in peace🥲) **Developer response:** Thank you so much for your fantastic review. We're thrilled to hear that you've discovered and enjoyed the many features and benefits Onyx has to offer. We're here to assist with any questions you may have. Thank you for being a part of our community, and we look forward to continuing to provide you with top-notch service wherever your travels take you. ### 5/5 — Onyx Private, The Bank you’ll ever need. *2023-11-13* Hi there, an Israeli guy is here. With some amazing features you can do a lot! I discovered Onyx while looking for a new bank account while I was staying in the usa and a bank that gives benefits and some perks that people never known them I waited couple of months until I got approved, since then its history, I still have some issues with transffering money since its the first time I use ACH but the rest is amazing, Priority Pass, cashbacks and reimburse abroad if there are atm fees. There is a huge thing when it comes to banking, especially with benefits that cost a fortune. Onyx have it all with only 50$ a month as someone who fly a lot around the world Priority Pass helps me a lot, I can tell that Onyx got the best benefits, after I found Onyx, I want that Onyx will be the main bank in the future, I have the debit metal card and it’s gorgeous! Thank You Onyx, May I will always be your customer, in the usa and abroad! (i can pay my applecare+ in peace🥲) ### 1/5 — Account Closed Next Day *2023-09-29* I was approved for Onyx and excited to begin using their services, only to be told the following day that my account was permanently closed with no recourse. I’m an UHNW individual with various other private banks, and the extremely poor experience I’ve had here would lead me to never recommend Onyx’s services to anyone. This is what you get from a FinTech that hides behind their partner bank. Anybody with actual needs for a private bank should seek out an actual private bank with a physical location and bankers than you can speak with rather than this sham operation. **Developer response:** Thank you for taking the time to share your experience. Your feedback is taken seriously, and we will investigate this matter thoroughly to understand what transpired. We would appreciate the opportunity to discuss your situation in detail and see if there's any way we can address your concerns. Please feel free to reach out to support@onyxprivate.com. ### 5/5 — Onyx: Best banking and customer service *2023-09-22* I've been working with Bank of America for years and decided to try a new digital bank and couldn't be happier by choosing Onyx. Onyx banking experience is much better than BofA, i can make all transactions and investments in just one place and the concierge is fantastic. In addition, they have a top notch customer service, with fast and attentive response, much superior than any alleging branch service I had before **Developer response:** Thank you so much for sharing your experience with us. Our commitment to top-notch customer service is a priority, and we're grateful for your kind words about our fast and attentive responses. We aim to provide a seamless and superior banking experience for our customers, and your feedback is greatly appreciated. If you ever have any questions or need assistance in the future, please don't hesitate to reach out. Thank you for choosing Onyx. ### 5/5 — Still waiting… *2023-09-22* No indication of how long the wait list is or how long it takes to get an account. I applied more than a month ago and received a bot response that I would get on boarding instructions soon. But nothing so far… The wait is worth it. The app is good and the bank is good. **Developer response:** Hi there, we're truly sorry for the inconvenience you've faced. We greatly value your interest in Onyx Private and your time invested in the application process. Onyx provides an exclusive private membership and has a thorough review process. Unfortunately, we are unable to approve your application if you do not receive an email for the next steps. If you have any questions please contact support@onyxprivate.com. ### 5/5 — Thank you Onyx! *2023-09-20* I love the sleek interface and the UI, the banking features are great and I’d highly recommend. Hopefully I can use this for a while. **Developer response:** Hi there, thank you so much for your positive review. We're thrilled to hear that you love the sleek interface and UI of our app and that you find the banking features to be great. We strive to provide our users with a seamless and user-friendly experience, and it's wonderful to know that we've met your expectations. If you ever have any questions or need assistance with anything, please don't hesitate to reach out to our support team. ### 1/5 — Still waiting… *2023-09-14* No indication of how long the wait list is or how long it takes to get an account. I applied more than a month ago and received a bot response that I would get on boarding instructions soon. But nothing so far… ### 5/5 — Great app with top notch offerings and service *2023-09-01* Onyx has been my primary banking service since Jan of 2023. Their support is amazing and the premier tier is well worth it with best in class concierge. The app is filled with great features and investment options. Service is amazing and customer centric. Looking forward to long term success for the app. **Developer response:** Hi there, thank you for entrusting Onyx as your primary banking service since January 2023. We're thrilled to hear that you've had an amazing experience with our support team and are enjoying the benefits of our concierge service. We're fully committed to providing customer-centric service and ensuring your long-term success with our platform. If you ever have questions, require assistance, or want to explore more of what Onyx has to offer, please feel free to get in touch. We look forward to continuing to serve you and being part of your financial journey. ### 5/5 — Onyx is the bank (and more) for me *2023-08-31* Countless features you'd never see at a traditional bank with solid and responsive customer service makes Onyx shine. **Developer response:** Hi there, thank you for your thoughtful review. We're delighted to hear that you've found value in the unique features we offer at Onyx. Providing a distinctive and responsive banking experience is at the core of our mission, and your positive feedback reinforces our commitment. Should you have any further questions, need assistance, or wish to explore more of our offerings, please don't hesitate to reach out. ## Frequently asked questions about Onyx Private ### What does Onyx Private do? Onyx Private is a financial management app designed for small business owners. It unifies personal and business accounts, offering features like high-yield checking, fee-free money movement, cashback rewards, and AI-enhanced financial advisory services. ### What are the key features of Onyx Private? Key features include high-yield FDIC insured checking accounts, instant debit card funding, free high-limit money movement (wires, ACH, ATMs, international), cashback rewards on personal and business spending, a money market account, T-Bills yield, personalized robo-advisory, and premium financial advisor services. ### Is Onyx Private free to use? Based on the provided information, the app itself is free to use. Banking services are provided by i3 Bank, Member FDIC. While the app is free, account earnings may be affected by fees, and additional terms apply to cashback rewards. ### Who is Onyx Private for? This app is specifically designed for small business owners who want to streamline their financial management by combining their personal and business finances into one platform. It aims to help them thrive and grow. ### What kind of accounts can I open with Onyx Private? You can open high-yield FDIC insured checking accounts with a 2.01% APY and a 4-5% yield money market account. The app also facilitates free joint accounts for up to 4 members and offers both personal and business debit cards with high spending limits. ## Version history (last 5 releases) ### 5.11.0 — 2024-02-12 Onyx 5.11 ● New signup and onboarding flow without invitation code, simpler, faster, better! ● Mobile Check Deposits and Send Checks now live. ● Update to 2FA logic tied to device to enhance security. ● Spoiler: Investment account coming soon to Business Users, stay tuned! ### 5.10.1 — 2024-01-28 Onyx 5.10 is out! ● Business Accounts now live to all users, with 2.01% checking APY, 1.5% debit card spending cashback, business perks and more. ● Mobile Check Deposits and Send Checks now live for Business and Personal users. Of course, we’ve fortified security and tackled bugs. ### 5.10.0 — 2024-01-23 Onyx 5.10 is out! ● Business Accounts now live to all users, with 2.01% checking APY, 1.5% debit card spending cashback, business perks and more. ● Mobile Check Deposits and Send Checks now live for Business and Personal users. Of course, we’ve fortified security and tackled bugs. ### 5.9.1 — 2024-01-02 Exciting Updates in Onyx 5.9! ● New merchant information in your transaction details for a more insightful view of your payments. ● All-new waitlist feature with seamless and accelerated analysis flow. ● Experience smoother check deposit uploads with our latest fix. Of course, we've squashed bugs and fortified security. ### 5.9.0 — 2024-01-02 Exciting Updates in Onyx 5.9! ● New merchant information in your transaction details for a more insightful view of your payments. ● All-new waitlist feature with seamless and accelerated analysis flow. ● Experience smoother check deposit uploads with our latest fix. 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Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*