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.
No account fees or minimum balance required1
2% cashback on eligible Balance Visa® purchases2
2.29% daily earnings rate on every dollar3
FDIC pass through insurance eligibility up to $250,0004

Features & rewards

The account optimized for commerce growth

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.

Faster payouts

Receive store payouts up to 7 days faster than a bank.5
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 same-day ACH transfer fees.1

daily earnings rate³

Watch your earnings grow

All accounts earn a cash incentive on their daily closing balance, even on weekends.

2.29%

Basic, Grow, and Advanced plans

3.32%

Plus plan

This calculator is for illustrative purposes only. It assumes no rate changes and that the account balance and all accrued earnings remain in Shopify Balance from year 1.

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.

Stay organized

Use up to 6 free dedicated accounts to manage your business earnings, expenses, and savings—all in one place.

Move money—on a dime

Send free same-day ACH (by 1 pm ET), and budget like a pro with auto-transfer rules that split your payouts for you.

Understand your finances

Get a comprehensive view of your financial health with dashboards, filters, and reports.
Open your free 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.

FDIC

All Balance accounts are eligible for pass-through FDIC insurance up to $250,000.4

Instant access to card locking

Lock and unlock your cards on Shopify from your desktop browser or mobile app.

SMS fraud alerts

Receive SMS alerts to confirm or deny flagged transactions.

Have questions about your account?

Chat live with a support advisor at any time in the Help Center.

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.2

Put payouts in your pocket

Keep your business moving with a Balance Visa® card that's 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.1

Get more with Shopify Balance

Shopify Balance

  • No monthly or same-day ACH transfer fees1
  • No minimum balance
  • Sign up online in minutes
  • Get paid as fast as the next business day5
  • Automatically set aside sales tax

Traditional banks6

  • $10+ average monthly fees
  • Minimum balance may be as high as $5,000
  • In-person application that can take weeks to approve
  • Payouts may take up to 7 business days
  • Manual, complex tax integrations

Exclusive features for Shopify Plus plans

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

3.32% Earnings rate

Every dollar in a Balance account earns 3.32% seven days a week.3

Next-day payouts

Access store profits in one business day by default, so you can start earning or spending ASAP.5

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 your free account

Resources

Get started with Shopify Balance

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

How Shopify Finance supports growth

Learn how Shopify Finance can help solve your biggest money challenges.
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., Member FDIC. Shopify Balance Visa® Commercial cards are powered by Stripe and issued by Celtic Bank pursuant to a license from Visa U.S.A. Inc.
  • 1.Shopify Balance has no monthly, annual, or ACH transfer fees. Shopify doesn't charge any ATM withdrawal fees, but you may be charged by an ATM provider.
  • 2.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.
  • 3.The Balance earnings rate is a reward provided by Shopify on the money you hold in your Balance account(s) and 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. ACH limits may apply. See Reward Terms.
  • 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.For stores on the Basic, Shopify, or Advanced plans, Shopify Payments payouts are added to your Balance account within 5 business days, but most merchants will receive payouts within 1-3 business days. For stores on the Plus plan, payouts are added the next business day by default. Payout speed may be subject to change without notice.
  • 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.