Horizon World Bank
Horizon World Bank
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Platform Features

Everything you need to manage your finances

From everyday banking to advanced treasury tools — a complete financial operating system for individuals and businesses.

6

Core modules

4.50%

Max savings APY

<3s

Transfer speed

01

Multi-Currency Accounts

USD, GBP, EUR & BTC — one platform, live rates.

Explore 02

Instant Transfers

Free · Under 3 sec

 03

Virtual Cards

Visa · Mastercard

 04

Savings

Up to 4.50% APY

 05

Treasury

Teams & approvals
06 — Security

Enterprise-grade protection · SOC 2 Type II

Total balance

$48,291.40

  • $

    USD Account

    Primary

    $24,180.00

  • £

    GBP Account

    Live rate

    £12,400.00

  • €

    EUR Account

    Live rate

    €8,920.50

  • ₿

    BTC Wallet

    +2.4% 24h

    0.842 BTC

01 · 4 Currencies

Multi-Currency Accounts

Hold, convert, and spend across currencies without juggling multiple bank relationships.

Dedicated accounts for USD, GBP, and EUR — each with its own balance, transaction history, and deposit details — plus a BTC wallet for Bitcoin. Exchange between currencies at live mid-market rates with transparent spreads from 1.5%.

  • Real-time balance updates across all accounts
  • One-click currency conversion with rate lock
  • Fiat & crypto deposits — bank, card, gateway, or xPub
02 · Under 3 sec

Instant Transfers

Move money between accounts and beneficiaries without delays or surprise fees.

Internal transfers between UltraBank accounts settle in under three seconds and cost nothing. External transfers support saved beneficiaries, standing orders, and scheduled payments — with full audit trails for finance teams.

  • Free instant transfers to any UltraBank user
  • Beneficiary book with nickname and account labels
  • Standing & scheduled transfers with email alerts

Send money

Instant · Free

To

ClearWay Logistics

Amount

$8,500.00

Transfer completed in 1.8 seconds

HORIZON VISA

•••• •••• •••• 4829

Card holder

S. CHEN

Limit

$2,500 / day

Active
03 · Visa · Mastercard

Virtual Debit Cards

Issue cards in seconds, linked to any account, with controls that keep spending in check.

Create up to two virtual Visa or Mastercard cards per account. Each card draws from an account you choose, with per-transaction limits, merchant category blocks, and one-tap freeze.

  • Instant issuance — no physical card required
  • Per-transaction and daily spending caps
  • Freeze, unfreeze & real-time purchase alerts
04 · Up to 4.50% APY

Savings & Investments

Grow idle cash with competitive rates and curated investment products from one dashboard.

Choose flexible savings at 4.20% APY with daily interest accrual, or lock funds for 3–36 months at up to 4.50%. Investment notes range from conservative short-term reserves to longer fixed notes targeting 4.75–5.75% annual returns.

  • Flexible and fixed-term savings plans
  • Auto-save rules from incoming deposits
  • Interest paid daily, visible in analytics

Flexible savings

4.8% APY

30-day interest accrual

Earned this month +$184.20

Pending approvals

2
  • SC

    Payroll batch — Q1

    $42,800 · Awaiting you

  • MK

    Vendor payment — AWS

    $3,240 · Approved

3 team members · Role-based access
05 · Teams

Business Treasury

Tools built for finance teams managing cash across entities and currencies.

Invite team members with role-based permissions — view-only, approver, or admin. Run payroll batches, approve outbound transfers above threshold, and export transaction data for your accounting stack.

  • Multi-user access with approval workflows
  • Scheduled transfers and bulk payments
  • CSV & API exports for reconciliation
06 · SOC 2 Type II

Enterprise Security

Every account includes TOTP and email 2FA, transfer PINs, device session management, and login history. Our fraud engine monitors velocity, geography, and behavioural signals in real time.

  • 256-bit encryption in transit and at rest
  • FDIC-insured fiat balances via partner banks
  • KYC tier limits with upgrade path in-app
2FA enabled
Fraud scan OK

Get Started

Ready to put these tools to work?

Open a free account in under 5 minutes. No minimum deposit on personal accounts.

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