Question 1

Is Multicent a bank?

Accepted Answer

No. Multicent is a financial technology company registered as a broker-dealer, member firm of FINRA / SIPC. However, Multicent does partner with FDIC-insured banks to store your uninvested cash deposits.

Question 2

Is Multicent Cash a bank account?

Accepted Answer

Multicent Cash is not a bank account; it is a business cash management account offered by Multicent Treasury (a FINRA-registered broker-dealer) that functions very much like a business bank account. You can securely deposit checks via our mobile app; send and receive payments via ACH, check, and wire—even internationally; and manage spending for your company’s different users. All with no fees, minimums, or limits.

Your money can be stored with Multicent's partner banks (eligible for FDIC insurance up to $250,000) and/or government money market mutual fund. It's your choice! You'll also get unlimited corporate credit cards for secure spending, automatically paid daily like a debit card—while giving you cash back on every purchase and building your business credit.

With Multicent business account, you don’t need other bank accounts, cards, or accounting software. You get everything you need, all in one.

Question 3

Do my funds benefit from any protection?

Accepted Answer

Yes. Member of SIPC, which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). Explanatory brochure available upon request or at www.sipc.org.
Any deposits you maintain as uninvested cash will be placed into one of our partner banks. All funds in a Multicent partner banks will be covered by FDIC insurance up to $250,000 per partner bank. You can find the current list of our partner banks here. Your funds are automatically distributed among partner banks to ensure maximum coverage.
If you currently have an account at one of our partner banks, you may be already utilizing your maximum coverage from that bank, and wish to opt-out of that bank with Multicent Cash. To do that, please contact support@multicent.com.
For more information on Multicent Business Cash’s FDIC Sweep option, please review the Multicent Treasury FDIC-Insured Deposit Sweep Program Disclosure Statement.

Question 4

What fees do you charge?

Accepted Answer

Multicent does not charge transaction fees or account fees.

Multicent Treasury LLC is paid distribution fees directly from the money market fund (also known as 12b-1 fees) for the trade and placement of securities. Money market fund deposits bear fees and expenses. Please see the applicable fund prospectus for details. Wire transfers, both inbound and outbound, are free to send for Multicent Business Cash customers.

Multicent and our partner banks do not charge fees to send or receive international wires with Multicent Cash. However, when sending funds internationally, funds may be sent through third-party banks. Third-party banks may charge fees to cover their costs. In addition, the recipient’s bank may charge the recipient a fee to process the wire.For additional information, please refer to our rates & fees schedule.

Question 5

How is my yield paid out to me?

Accepted Answer

All deposits invested in money market funds will earn the same yield, with no minimum balance required. Yield is earned on a daily basis and distributed into your Multicent Business Cash account on a monthly basis.

To see the latest rates, please see our Rates & Fees schedule.

Escale con la tarjeta de crédito corporativa Multicent.

Obtenga una tarjeta de crédito corporativa que pueda mantenerse al día. Desbloquee límites más altos, las mejores recompensas en su clase y gestión de gastos integrada.

Descargar pronto en

8X en viajes compartidos

5x en viaje Brex

4x en restaurantes

1x en el resto

Gane puntos en todos los gastos de la tarjeta.

8X en viajes compartidos

5x en viaje Brex

4x en restaurantes

1x en el resto

Tarjetas para todo tu equipo.

Emita tarjetas ilimitadas con límites personalizados y realice un seguimiento de los gastos de su equipo.

Protección contra el fraude, responsabilidad cero.

Emita tarjetas ilimitadas con límites personalizados y realice un seguimiento de los gastos de su equipo.

Sin garantía personal.

Emita tarjetas ilimitadas con límites personalizados y realice un seguimiento de los gastos de su equipo.

Comience a generar crédito comercial con una tarjeta de crédito pagada diariamente.

Gane las mejores recompensas y establezca un historial de crédito con una tarjeta de crédito que se extrae de su saldo diariamente como una tarjeta de débito.

Vea lo que califica

Escale más rápido con nuestra tarjeta mensual

Escale más rápido con nuestra tarjeta mensual

Suba de nivel para límites más altos con una tarjeta de crédito pagada mensualmente.

¿Quiere límites entre 10 y 20 veces más altos que las tarjetas corporativas típicas y la facturación mensual? Solicite o crezca en esta tarjeta.

las tarjetas multicent crecen contigo.

He aquí por qué, Multicent es mejor que un banco

Cuenta bancaria comercial multicent

Otra cuenta comercial

Opciones de cobertura de la FDIC

Solicitud en línea fácil

Sin saldo mínimo

Sin comisiones de cuenta

Transferir ACH y en todo el mundo

Usuarios y tarjetas ilimitadas

Reciba pagos en criptomonedas

Ayudar a construir crédito comercial

Las mejores recompensas de su clase

Integraciones contables

Seguimiento de gastos

Conexión del comerciante de pago

Soporte vital

Multicent puede brindarle todo esto y más, incluidos pagos instantáneos y software de administración de gastos.

Multicent es una empresa de tecnología financiera, Multicent Treasury LLC no es un banco en su totalidad. Multicent Cash no es una cuenta bancaria.

Rastree fácilmente el gasto en equipos grandes.

Obtenga reembolsos en efectivo personalizados según su negocio y límites no garantizados en promedio entre $2,000,000 y $3,000,000 sin respaldo colateral, cheque FICO o garantía personal.

Obtenga acceso móvil a los mercados. invertir sin comisiones en empresas individuales o paquetes de inversión (ETFs)

Payment methods for international transfers

There are no hidden fees. You'll see all our fees upfront.

Send money to friends and family abroad

Pay for your transfer, Choose how you’d like to pay for your transfer: bank deposit, credit or debit card.

Learn more about how to remit

Comience a crecer con Multicent hoy.

Multicent cards grow with you.