AI agentic banking — works with any agent

Banking that just works

Checking and savings accounts for you and your AI agents. Put your money to work by simply talking to it.

Move money, pay bills, invest, and more — from a single chat
Earn up to 5% cash back from your agents' purchases
Fee-free banking^* for both you and your agents

* Magnet is a fintech, not a bank. Banking services provided by our partner bank. Optional services and products may have fees or charges.

Hey Jordan — your paycheck just hit. How can I help?

Can you buy $500 worth of Apple stock, send $200 to Mom, and use $1000 to pay off my Amex?

Bought AAPL

Market order · executed

$500.00

Sent to Mom

Money sent instantly

$200.00

Paid American Express

Card •••• 1004

$1,000.00

Instantly done! What's next?

What Magnet does

One conversation. The whole bank.

Magnet replaces tabs, forms, and call centers with a single chat that understands your accounts.

Spending insights

“How am I doing this month?” returns a chart, top categories, and the trends that actually matter.

$1,240 spent · 55% under your pace

Move money

Transfer between Everyday, Rainy Day, Vacation, or Bills — confirmed inline, settled instantly.

“Move $500 to savings” → confirmed

Pay bills

See what's due, pay any of them from your Bills account, set up recurring rules — all without leaving chat.

ConEdison · Verizon · Renters Ins

Card controls

Freeze a missing card the second you notice. Unfreeze, change limits, or pause a merchant — just ask.

Everyday Debit · frozen ✓

Disputes

Flag a charge that wasn't you. Magnet opens the dispute with the receipt, transaction, and timeline attached.

Whole Foods · $82.13 · dispute opened

Send money

Pay anyone by name. Magnet pulls from the right account, picks the fastest rail, and confirms before sending.

“Send $40 to Alex for dinner”

Built for the way you actually budget

Four accounts. Zero friction between them.

Everyday spending. Rainy day savings. A vacation goal. Bills that auto-fund themselves. Magnet keeps each one separate, but moves money between them the instant you ask.

Checking · 4821

Everyday

$3,184.22

High-yield savings · 5.0% APY

Rainy Day

$24,803.10

Goal · Lisbon, August

Vacation

$1,612.40

Auto-funded · 3 due this week

Bills

$420.00

Security

An AI bank, but still a bank.

All the boring guarantees you'd want from a regulated institution — with none of the boring interfaces.

FDIC-insured up to $250,000

Deposits are held at our member-bank partner. Same protections as any bank you've used.

Every action confirmed

The agent proposes — you confirm. Transfers, sends, disputes, and card changes never happen without your tap.

Your data isn't training data

Conversations stay yours. We never sell, share, or train third-party models on your account activity.

Fraud monitoring, on-call

Unusual charges are flagged in chat the moment they hit — with a one-tap dispute and instant card freeze.

Early access

Open an account in the beta

Magnet is rolling out to a private group of testers. Drop your email and we'll send your invite when a spot opens up.