Being on the waitlist secures your place for early access to Tovo when it officially launches. This step does not open a bank account or establish a deposit relationship. You will receive an invitation to open an account once Tovo officially launches.

Anyone who is 18 years or older, a legal U.S. resident, and has a valid U.S. mobile number can join the waitlist. Simply enter your phone number to sign up, and we will notify you when it is your turn to join.

No. Joining the waitlist or verifying your phone number does not affect your credit score. We don’t perform any credit checks at this stage.

You can start with any amount. There’s no minimum balance or deposit requirement, and you’ll begin earning the base APY as soon as your account is opened.

Referral Boost adds 0.1% APY for every friend who joins Tovo through your referral link. Your friend also gets the same 0.1% APY increase. You can earn up to a total of 100% APY, including the base rate. Friends already on the waitlist aren’t eligible for the Referral Boost.

Each Referral Boost is guaranteed for six months from the date it’s earned. The boosted APY applies to balances up to $25,000; any amount above that earns the base APY. For more details, visit the Referral Terms & Conditions.

To stop receiving texts from Tovo, reply STOP to any message. To resume messages, reply START. For help, reply HELP or email us at help@tovo.global.

If you no longer want to stay on the waitlist or would like us to delete your information, click Cancel your waitlist and follow the instructions.

You can also email help@tovo.global with the subject line Remove from Waitlist. Our team will process your request and confirm once it’s complete

Tovo is expected to launch next year. We’ll share more updates once our FDIC partner bank is announced.

Yes. We use industry-standard encryption and security protocols to protect your data.

We’ll never share your personal information with third parties for marketing without your consent.

For more details, visit our Privacy Policy.