GalaxyOne review
Updated September 29, 2026 · VaultCue Editorial Team · Facts checked September 28, 2026
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Our verdict
GalaxyOne suits business teams based in the US who need local transfers through us ACH with support by email, phone and help centre through email, phone and help centre. The account charges a monthly fee of $25 with protection stated as FDIC up to USD 250,000, so weigh fixed cost against cash handling needs.
Key facts
- Best for
- US business teams needing local ACH transfers
- Monthly fee
- $25↗
- Deposit protection
- FDIC up to USD 250,000↗
- Currency conversion fee
- 1.3%↗
- Currencies
- 1↗
- Local account details
- Us-ACH↗
- Legal entity
- GalaxyOne Technology, Inc.↗
- Headquarters
- United States↗
- Founded
- 2018↗
- Support channels
- Email, Phone, Help-centre↗
- Audience
- Business
- Features
- Free ATM withdrawals
- Official website
- galaxy.app
Facts checked September 28, 2026, 6 sources
Pros and cons
Pros
- Local US transfers through us ACH for payroll and supplier payments.
- Support across email, phone and help centre via email, phone and help centre.
- Deposit protection stated as FDIC up to USD 250,000.
Cons
- Monthly fee of $25 adds fixed cost even in months with low activity.
- Holds 1 currency, which limits use for multi currency billing.
Ready to try GalaxyOne?
Scored 8.5 / 10 by VaultCue.
Who it suits
- US business teams using us ACH transfers, where Plazo covers different needs.
- Cash users wanting ATM access via free ATM, where bunq offers another setup.
Who should look elsewhere
- Teams needing several currencies may prefer bunq over holding 1 currency.
- Teams wanting to avoid fixed charges may prefer Plazo over paying $25.
Fees and currency costs
GalaxyOne charges a monthly fee of $25 for the business account. Card currency conversion carries a fee of 1.3%. That mix means fixed monthly cost plus a charge on card spending outside the home currency. If most payments stay domestic, conversion matters less, while frequent card use abroad raises total cost.
Safety of your money
Money is described with protection as FDIC up to USD 250,000. Oversight includes licensing from New York State Department of Financial Services under 1766787. Protection applies as stated, so read the current disclosures for eligibility and limits before keeping large balances for payroll or reserves.
How GalaxyOne compares
8.5 vs 8.7
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Where GalaxyOne is available
- Available
- United States
- Licence in United States
- FINRA, checked September 28, 2026
- Licence in United States
- New York State Department of Financial Services (1766787), checked September 28, 2026
Countries from the brand (Source, checked September 28, 2026)
Frequently asked questions
What monthly fee does GalaxyOne charge?+
GalaxyOne charges a monthly fee of $25 for the business account. The fee applies regardless of transaction volume, so assess expected balance and payment activity against that fixed cost before applying.
What is the currency conversion fee on card use?+
Card purchases in other currencies carry a fee of 1.3%. The charge adds to the card transaction amount, so domestic spending avoids it while frequent purchases abroad increase total account cost.
How many currencies can GalaxyOne hold?+
The account supports 1 currency for balances and payments. That structure suits domestic US activity, while businesses invoicing across several currencies may need a separate multi currency solution.
Is money in GalaxyOne protected?+
Balances are described with protection as FDIC up to USD 250,000. Cover applies as stated in current disclosures, so check eligibility, account titling and limits before keeping payroll or reserve funds in the account.
Who regulates GalaxyOne?+
Oversight includes the New York State Department of Financial Services under 1766787. The legal entity is GalaxyOne Technology, Inc., and current licence disclosures set out permissions and conditions.
How can customers contact GalaxyOne support?+
Support is available through email, phone and help centre. You can contact the team by email or phone, or search guidance in the help centre for account setup, transfers and card queries.
Does GalaxyOne support local US transfers?+
Local transfers use us ACH for US payments. That setup suits payroll, supplier payments and collections inside the US, while international transfers may require another provider or method.
Sources
- brokercheck.finra.org/firm/summary/316863 checked September 28, 2026
Backs: Deposit protection, Licences
- galaxy.app checked September 28, 2026
Backs: Headquarters
“Our U.S.-based team is here when you need help in GalaxyOne”
- galaxy.app/about checked September 28, 2026
Backs: Founded
“Founded by Mike Novogratz in 2018”
- galaxy.app/legal/galaxyone-mastercard-debit-card-agreemen... checked September 28, 2026
Backs: Currency conversion fee
“International Service Assessment charge equal to (1%) plus Currency Conversion Assessment 0.3% - GalaxyOne Debit Card”
- galaxy.app/legal/terms-of-use checked September 28, 2026
Backs: Audience, Currencies, Features, Local account details, Monthly fee, Support channels
“Business Accounts are available only to entities Organized or registered in the United States - GalaxyOne Cash”
- help.galaxy.app/hc/en-us checked September 28, 2026
Backs: Legal entity
“GalaxyOne App is owned and operated by GalaxyOne Technology, Inc.”
Compiled from 6 source pages, checked September 28, 2026. We did not open an account.
Not confirmed yet: Licence type.