BRO / 01
No queues
Your money shouldn't come with a waiting room. Everything online, wherever you are.
🇨🇦 Canada · 🇺🇸 US — early access
Bank of Real Opportunities.
Free cards, CAD and USD in one place, and money to friends in seconds — by nickname, phone or BRO card number.
BROUSD
•••• 4242VISA
BROCAD
$2,480.50
•••• 1337VISA
Your money.
More opportunities.
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No hold music
Skip the phone queue. Our goal: help right inside the app, without the wait.
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Instant payments
Send by nickname, phone or BRO card number. No arbitrary caps — send whatever you want, as long as it's in your balance.
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You're in. In 60 seconds.
Our sign-up goal: 60 seconds, all from your phone. Identity checks and card issuance follow.
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24/7, on your side
Planned around-the-clock support from real people, including weekends and holidays.
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Your personal AI assistant
Planned, free money guidance: understand spending, find opportunities to save and get answers any time.
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Security first
Bank-grade encryption, instant card freeze, spending limits and real-time alerts on every payment.
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Two currencies. One card.
CAD or USD, your card follows the store's currency. Freeze it instantly when you need to.
Why not just a regular bank?
The big banks were built for branches and paperwork. BRO is built for your phone.
Big banks
BRO
Monthly fee
$4–$30 / month
$0
Opening an account
Branch visit, days of paperwork
60-second sign-up goal, from your phone
Shopping in USD
~2.5% FX fee on every purchase
One card spends CAD or USD directly
Paying a friend
e-Transfer, wait, security questions
Nickname, phone or BRO card number
Card lost?
Call, wait on hold
Freeze in one tap
Investing
Separate brokerage account
Stocks & crypto in the same app
Saving
One savings account
Unlimited goal jars, shared with friends
Cards
One card per account
Up to 5 cards, each spending CAD and USD
Support
Business hours, phone queues
24/7 in-app, humans + free AI assistant
Branches
Visit to sign papers
Never visit a branch. It doesn't exist.
Send your way
Pay a BRO customer by @nickname, phone number or BRO card number. Email works too.
CAD ⇄ USD
Hold both currencies and swap at fair rates.
One card, two currencies
A single card pays in CAD or USD — whatever the store charges — with instant freeze and limits.
Savings jars
Save for goals together, split bills in a tap.
Stocks & crypto
Invest from the same app, starting with a few dollars.
Go global
International transfers without the bank fees.