Everything you’d expect from a modern money app, plus a real person when you need one, and answers when something’s on hold.
“Sent money to my mum in Lima in seconds. No fee, real rate.”
Diego, Miami“The pots are the first thing that got me saving every week.”
Priya, Toronto“Froze my card from the bus stop, found it in my coat. Unfroze it.”
Marcus, Chicago“Finally one app instead of four. The gold card is beautiful.”
Lucía, Buenos Aires“Splitting rent with my flatmates takes ten seconds now.”
Hannah, Vancouver“I invested my first $50 without feeling lost.”
Rafael, São Paulo“Notifications the second I pay. I always know where I stand.”
Ama, New York“Opening the account took five minutes on my lunch break.”
Camila, BogotáSign up from your phone with the ID you already have. No branch, no forms to print.
Get Locker 81 from the App Store or Google Play.
A photo of your ID and a quick selfie. We check it in minutes.
Your virtual card is ready now. Your gold card arrives in days.
Set money aside in pots, round up every purchase and earn interest while it waits.
More about saving01 · Save
02 · Send
03 · Spend
04 · Invest
Pay anywhere, see every payment the second it happens, and freeze your card in one tap.
More about spendingEvery payment in or out shows on your phone straight away, with who and how much.
Freeze and unfreeze your card from the app any time. Found it in your other bag? Unfreeze it just as fast.
Spending is sorted into categories automatically. Rename them, add your own.
You see the full cost before you confirm. No surprises on your statement.
Send across the US, Canada and South America at the real exchange rate.
More about sendingFrom New York to São Paulo, Toronto to Bogotá. The real exchange rate and no Locker 81 fee.
Sample rates. Try the converter
Convert between the currencies we support, or work out how fast a pot can grow.
Sample rates for this concept, not live rates.
The things people find hardest about money apps, handled in the open.
If we ever need to review your account, you’ll see what’s paused, what still works, what we need from you and how long it usually takes. Never just a locked screen.
A person is one tap away the whole time.
New phone? Sign in safely and pick up where you left off. App having a bad day? Use the web or call us.
Ask about your spending, freeze a card or find a payment by typing a question.
How much did I spend on food this month?
Locker 81 assistant · AI$412.10 on groceries and $96.40 eating out. That’s $38 less than last month.
Freeze my gold card
Locker 81 assistant · AIDone. Your card ending 8104 is frozen. Unfreeze it any time from Cards.
Need a person?Tap to talk to our team.
Held with a regulated partner bank*. Your deposits are protected up to the legal limit*. Bank-grade security on every login.
In a live service, Locker 81 would hold your money with a regulated partner bank and name it here. This concept site uses sample wording.
About 5 minutes in the app: download, verify your ID with a photo and a selfie, and your virtual card is ready.
The US, Canada and South America. You can send money between all of them, and spend with your card worldwide.
Opening an account and your virtual card are free, with no monthly fee. Sample pricing.
Freeze it in the app with one tap. If it is gone for good, order a new one from the same screen.
English is first. Spanish, French and Portuguese are on the way.
Open your locker in about 5 minutes. Free to start, with a gold card in days.
Scan with your phone's camera to get Locker 81. It takes about 5 minutes to open your locker.
Sample code. In the live site it opens the App Store or Google Play.