Shopify Balance

Manage funds.
Earn rewards.
Simplify your finances.

Shopify Balance is the all-in-one financial account built to support your business. Spend, save, transfer, receive, and earn with ease.
The hands of a person with tanned or light brown skin hold a green Visa card while using a laptop. The screen displays financial transactions, including a Shopify payout of $1,325.87, a card purchase of $875.28, and an external transfer of $400.00.
Earn APY rewards on every dollar in your Balance account1
Get payouts as fast as the next business day2
Skip the monthly and transfer fees, and minimum balance3
Organize your finances with up to 6 free accounts

Financial management

The business account optimized for commerce

Balance has features and rewards designed to help your business stay ahead.
Rewards & growth
Business finances
Shopify payout notifications displayed vertically. The top card shows a payout amount of $2,578.23, and the bottom card shows $4,890.77.

Get paid faster

Receive store payouts up to 7 days faster than a bank.2
Account summary view displaying two sections. The top account labeled "Sales tax" shows a balance of $1,457.40. The bottom section account labeled "Receivables" shows a balance of $120.55.

Simplify taxes

Easily set aside sales tax and sync accounting software.

Skip the fees

No monthly or transfer fees, and no minimum balance.3

APY Rewards

Multiply your profits

All the money in your Balance account earns an annual percentage yield (APY)* reward that compounds over time‚ no minimum or maximum limits on your account balance.

2.29%

Basic, Grow, and Advanced plans

3.32%

Plus plan

The calculator is for illustrative purposes only. It assumes no rate changes and that your account balance at year 1 and all APY accrued remains in Shopify Balance.

Manage your money where you make it

A white woman, wearing a light-colored knitted top and with light hair in a ponytail, is focused on her smartphone. In the foreground, an account summary card displays three accounts: "Main" with a balance of $127,438.15, "Expenses" with $3,458.14, and "Sales tax" with $1,457.40.

Open up to 6 free accounts

Organize your earnings, spending, savings, sales tax, and more—all in one place.

Make money moves

Deposit and withdraw funds, transfer money between accounts, and pay business expenses.

Understand your finances

Get a comprehensive view of your business finances with dashboards, filters, and reports right in your admin.
Open an account
“Before Shopify Balance, my finances were all over the place. Shopify Balance helps streamline everything and keep my finances organized.”
Kristi Tu, Owner – Boba Bao Slimes

Safeguard your earnings

Trust your finances to the same partner that helps your business thrive.

Peace-of-mind coverage

Your Balance account is eligible for pass-through FDIC insurance up to $250,000.4

Instant access to card locking

Lock and unlock your cards from your admin or the Shopify mobile app.

Support when you need it

Reach out to our support team via live chat 24/7.

Spend with Balance

Smart spending for your business

Power purchases with Balance Visa®—the only spending card directly connected to your store.

Earn rewards for your business

Get 2% cashback on business must-haves and exclusive partner perks to make every dollar go further.5

Put payouts in your pocket

When a payout is deposited, your Balance Visa® card is ready to spend—no transfers, no waiting.

Spend wherever Visa® is accepted

Pay bills, make business purchases, and withdraw cash at thousands of ATMs worldwide.3

Get more with Shopify Balance

Shopify Balance

  • $0 monthly fees or minimum balance3
  • $0 transfer fees3
  • 2.29% or higher APY reward with no limits1
  • Get paid as fast as the next business day2
  • Quick and easy online application

Traditional Banks6

  • $20 monthly fees or $3K minimum balance on average
  • $25 transfer fees on average
  • 0.01% or higher APY with possible limits
  • Payouts may take up to 7 more business days
  • May require in-person application

Exclusive features for Shopify Plus plans

Balance adds even more value to your business when you’re on Shopify Plus.

3.32% APY reward

All your funds in Balance—including deposits—earn a reward of 3.32% annual percentage yield.1

Up to $1M transfers

Get daily transfer limits customized to your business, up to $1,000,000.7

A close-up of a Black person's hand holding a smartphone displaying the Shopify Finance interface. The screen shows total sales over time, with a graph and various account balances, including "Receivables," "Main," "Sales tax," "Capital," and "Credit."

Shopify Balance

The account that keeps up with your business

Open an account

Resources

Get started with Shopify Balance

Learn how to manage your Shopify Balance account, card, and mobile app.
Visit Help Center 

Maximize cash flow with Shopify Finance

Here's how to get the most value out of your built-in finance suite.
Read post 

5 tips for business money management

Get expert tips on streamlining money management for your business.
Read post 

More from Shopify Finance

Designed to work with Balance

Shopify Credit 

A pay-in-full Visa® business card with up to 3% cashback on eligible expenses and 10 months to pay your statement balance.8

Shopify Bill Pay 

An efficient way to schedule, pay, and manage business expenses without subscription fees.9

Shopify Tax 

Automated calculations, nexus tracking, and filing to take the stress out of sales taxes.

Frequently asked questions

  • Shopify partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank N.A., Members FDIC. Shopify Balance Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.
  • 1.Shopify provides a reward in the form of an annual percentage yield (APY) on the money you hold in Shopify Balance, and it is not interest. The rate is variable, subject to change without notice, and accurate as of January 29, 2026. The reward accrues daily, and is compounded and paid monthly in the form of a credit to your Balance account.
  • 2.Shopify Payments Payouts are deposited in your Balance account within 5 business days, but most merchants will receive payouts within 1-3 business days. Payout speed may be subject to change without notice.
  • 3.Shopify Balance has no monthly or transfer fees. Shopify doesn't charge ATM withdrawal fees, but you may be charged by an ATM provider.
  • 4.Shopify Balance accounts are eligible for FDIC pass-through deposit insurance if they meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied.The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category. Neither Stripe nor Shopify are an FDIC insured institution and the FDIC’s deposit insurance coverage only protects against the failure of an FDIC insured depository institution.
  • 5.Earn up to $2,000 USD cashback on all eligible purchases per calendar year. This cashback limit may not apply to Shopify Partner offers. Learn more about cashback rewards in the Shopify Help Center.
  • 6.Traditional bank accounts are comprised of publicly available data from select business bank accounts of the top three largest US banks by assets.
  • 7.Transfer limits are subject to change without notice.
  • 8.Shopify Credit Visa® Commercial Credit cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc. See Issuing Bank Terms and Shopify Credit Program Terms.
  • 9.Shopify Bill Pay has no subscription fees. Other transaction fees may apply.