Manage your money, risk-free

Risq is your all-in-one solution: a bank account, credit and debit card, advisor, and loan provider. It helps you build your credit score on autopilot and get more cash in your pocket, all interest-free

It's your bank account, card and everything financial you need in one app.

All accounts are FDIC insured and secured
Get 2% Cashback to build better Credit.

With the Risq card, you earn a generous 2% cashback on your purchases. This means every time you spend, you save more and build credit automatically.

Interest Free Loans

Take as many interest free loans as you want of up to $100 - limited to one loans at a time. No fees or interest. You can just give the amount back.

Increase Purchase power

Risq boosts purchasing power with cash back and ends interest-free loans to the government, empowering financial freedom.

Manage with an advisor with no fees or interest

Manage your money with an advisor - risq offers one free advisory session every quarter

Get the most out of your money

Simplicity of a debit card but perks of a credit card

Earn 2% back on all transactions and boost your credit score automatically and never pay interest and build credit doing so.

Grow & Keep your cash

Automatically adjust your W-4 form to stop giving interest-free loans to the government and get interest free loans whenever you need it

Grow your money your money with an advisor.

Keep your wallet with you and at your fingertips

Instantly see transactions and manage your finances seamlessly, giving you real-time control and peace of mind

No Fees ever - Keep your money with you

Enjoy a banking experience with no fees ever—no overdraft fees, no interest charges, no admin fees, and no hidden costs. Experience complete financial freedom and transparency, ensuring that every penny you earn stays with you

More money, in your hands

Cash Back is real $$

Risq offers straightforward cash back with no shady points conversion. The card becomes free by only spending $600 monthly and then you can earn 2% on every transaction. Enjoy transparency rewards for your spending.

Pay from the watch

PayNOW

Risq's PayNow feature on your watch operates without an active wireless connection or internet, ensuring seamless and secure transactions

Easily pay from your smartwatch securely, making transactions safer and more convenie

Pick a plan that's right for you

I guess there is only one!

REGULAR CREDIT CARD

$95

Per member, per month , when you pay fees , interest and affect your credit.

STANDARD

$15

Per member, per month

REGULAR DEBIT CARD

$40

Per member, per month , lost when you don't receive cash back

REGULAR CREDIT CARD

$95

Per member, per month , when you pay fees , interest and affect your credit.

That's it

$12

Per member, per month

REGULAR DEBIT CARD

$40

Per member, per month , lost when you don't receive cash back

Manage your money, risk-free

Important Update

Risq is no longer active.

Despite serving over 107,000 users, we were unable to create a sustainable business model to continue operations.

We are currently working on something better and more sustainable for the future.

For any operational issues or questions, please contact us at: