Meow review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Meow suits US-registered businesses that want a cash management account with fees of $0 a month and no charge on domestic or international wires, ACH or checks. The trade-off is the balance you must keep: the minimum deposit is $100,000 and the rate is variable, so the headline moves.
Key facts
- Best for
- US businesses that will park real cash in a cash management account.
- Monthly fee
- $0↗
- Deposit protection
- FDIC up to USD 250,000↗
- Currencies
- 56 to 57↗
- Local account details
- Us-ACH↗
- Transfer fee
- No fees on domestic or international wires, ACH or checks↗
- Legal entity
- Meow Technologies, Inc.↗
- Headquarters
- United States↗
- Support channels
- Email, Help-centre↗
- Audience
- Business
- Pricing model
- No monthly fee
- Features
- No credit check
- Official website
- meow.com
Savings
Pros and cons
Pros
- A monthly fee of $0 on a cash management account built for company money.
- No fees on domestic or international wires, ACH or checks, so paying suppliers and staff costs nothing to send.
- Deposit protection of FDIC up to USD 250,000, with the balance sweeping into a network of insured banks.
- 56 to 57 currencies for international payments, well past the 4 typical of the business list.
Cons
- A minimum deposit of $100,000 sits above the €45.76 upper quartile among business accounts.
- Support runs on email and help centre only.
- The rate is variable, so the headline can fall with the policy rate.
Who it suits
- US-registered businesses that want a cash management account with a monthly fee of $0.
- Companies paying suppliers abroad, with 56 to 57 currencies and no charge on the wires.
Who should look elsewhere
- Plazo ES, if you would rather hold euros than US dollars, since Meow is for US-registered entities.
- Skrill, if you need wallet payouts rather than a bank account.
- PayPal Colombia, if the payment must reach a Colombian account, since Meow runs on us ach.
Rates and card terms
The headline rate is 3.68% to 3.92% and the rate type is variable, so the figure moves with the policy rate rather than being fixed for a term. It is a balance rate, which means the money has to sit in the account to earn it. Readers shopping on headline numbers should read the rate type alongside them, since a variable rate can move either way.
Deposit protection
Balances are held at partner banks and sweep into a network of insured banks, with FDIC up to USD 250,000 covering the cash. The scheme sits with the deposit banks rather than with Meow itself, so the limit applies per bank in the network. For a business this is protection for operating cash, not a savings guarantee.
How Meow compares
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9.2 vs 9.0Skrill also has a monthly fee of €0 and suits readers who want a wallet rather than Meow's bank payouts.
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9.2 vs 9.2
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9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
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9.2 vs 8.2
9.2 vs 8.1- 9.2 vs 8.1
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 8.0
9.2 vs 9.1
Where Meow is available
- Available
- Aland Islands, Albania, American Samoa, Andorra, Anguilla, Antarctica, Antigua and Barbuda, Argentina, Armenia, Aruba, Australia, Austria, Azerbaijan, Bahamas, Bahrain, Barbados, Belgium, Belize, Benin, Bermuda, Bhutan, Bolivia, Bonaire, Sint Eustatius and Saba, Bosnia and Herzegovina, Botswana, Bouvet Island, Brazil, British Indian Ocean Territory, Brunei, Bulgaria, Burkina Faso, Cabo Verde, Cambodia, Cameroon, Canada, Central African Republic, Chad, Chile, Christmas Island, Cocos Islands, Colombia, Comoros, Congo, Cook Islands, Costa Rica, Côte d'Ivoire, Croatia, Cyprus, Czechia, Denmark, Djibouti, Dominica, Dominican Republic, Ecuador, Egypt, El Salvador, Equatorial Guinea, Eritrea, Estonia, Eswatini, Ethiopia, Falkland Islands, Faroe Islands, Fiji, Finland, France, French Guiana, French Polynesia, French Southern Territories, Gabon, Gambia, Georgia, Germany, Ghana, Gibraltar, Greece, Greenland, Grenada, Guadeloupe, Guam, Guatemala, Guernsey, Guinea, Guinea-Bissau, Guyana, Heard Island and McDonald Islands, Honduras, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Jamaica, Jersey, Jordan, Kazakhstan, Kenya, Kiribati, Kuwait, Kyrgyzstan, Laos, Latvia, Lesotho, Liberia, Liechtenstein, Lithuania, Luxembourg, Macao, Madagascar, Malawi, Malaysia, Maldives, Mali, Malta, Marshall Islands, Martinique, Mauritania, Mauritius, Mayotte, Mexico, Micronesia, Moldova, Monaco, Mongolia, Montenegro, Montserrat, Namibia, Nauru, Netherlands, New Caledonia, New Zealand, Nicaragua, Niger, Nigeria, Niue, Norfolk Island, Northern Mariana Islands, Norway, Oman, Palau, Panama, Papua New Guinea, Paraguay, Peru, Philippines, Pitcairn Islands, Poland, Portugal, Puerto Rico, Reunion, Romania, Rwanda, Saint Barthélemy, Saint Helena, Ascension and Tristan da Cunha, Saint Kitts and Nevis, Saint Lucia, Saint Martin (French Part), Saint Pierre And Miquelon, Saint Vincent and the Grenadines, Samoa, San Marino, São Tomé and Príncipe, Saudi Arabia, Senegal, Serbia, Seychelles, Sierra Leone, Singapore, Sint Maarten, Slovakia, Slovenia, Solomon Islands, Somalia, South Africa, South Georgia and the South Sandwich Islands, South Korea, Spain, Sri Lanka, Suriname, Svalbard and Jan Mayen, Sweden, Switzerland, Taiwan, Tajikistan, Tanzania, Thailand, Timor-Leste, Togo, Tokelau, Tonga, Trinidad and Tobago, Turkey, Turkmenistan, Turks and Caicos Islands, Tuvalu, Uganda, Ukraine, United Arab Emirates, United Kingdom, United States, United States Minor Outlying Islands, Uruguay, Uzbekistan, Vanuatu, Vatican City, Vietnam, Virgin Islands, British, Virgin Islands, U.S., Wallis and Futuna, Western Sahara, Zambia, Zimbabwe
- Licence in United States
- U.S. Securities and Exchange Commission (registered investment adviser), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Meow cost to run?+
The monthly fee is $0, and the transfer fee is $0 on domestic and international wires, ACH and checks. That keeps running costs low for a cash management account. The number to weigh is the $100,000 minimum deposit before the account earns anything.
Is my business money protected?+
Deposits carry FDIC up to USD 250,000 and are held at partner banks, with the balance sweeping into a network of FDIC-insured banks. The scheme covers cash at those banks rather than anything held with Meow. Business owners should read it as protection for operating cash, not a savings guarantee.
Who can open a Meow account?+
Meow is aimed at companies, with a business audience and terms that limit sign-ups to US-registered entities and adults. A personal current account sits outside the offer, and so does an unregistered business. The product is built for company money rather than household savings.
What does the balance earn?+
The headline rate is 3.68% to 3.92% and it is a variable rate, so the figure rises and falls with the policy rate. Nothing is locked for a term. For a business holding operating cash that flexibility is the point; for someone chasing a known return, it is a drawback.
How many currencies can I hold?+
Meow supports 56 to 57 currencies, a wide spread for a business account and useful for paying overseas suppliers in local money. Conversion happens on the same cash management balance rather than a separate wallet. The count is the number of currencies available, not the number of accounts.
How long do payments take?+
ACH and wire settlement runs to 3 business days, so treat that as the working window for incoming and outgoing payments. Payouts go to a bank account, which suits companies already paid into a business account. A payment with a deadline attached needs to leave well ahead of it.
Who regulates Meow?+
Meow Technologies, Inc. is registered with the U.S. Securities and Exchange Commission as a registered investment adviser. The deposit side works differently: money sits at partner banks, and FDIC up to USD 250,000 applies to what those banks hold. Two separate arrangements, so it is worth checking which one covers a given balance.
Sources
- meow.com checked September 26, 2026
Backs: Account kind, Audience, Features, Headline rate, Headquarters, Legal entity, Local account details, Minimum deposit, Pricing model, Rate type, Support channels, Transfer fee, Fee to send 1,000
“Earn up to 3.68-3.92% yield on idle cash with a Commercial Paper Account”
- meow.com/about checked September 26, 2026
Backs: Deposit protection, Licences
- meow.com/business-checking checked September 26, 2026
Backs: Monthly fee, Payout methods
“Zero transaction fees - Say goodbye to wire, ACH, and account maintenance fees”
- meow.com/legal/terms-of-service checked September 26, 2026
Backs: Access terms
“Business Checking account is opened at a partner Bank; deposits sweep across a network of FDIC-insured banks, up to the current SMDIA of $250,000 per eligible depositor per destination institution”
- support.meow.com/articles/1630488945-understanding-ach-an... checked September 26, 2026
Backs: Delivery time
“International Wire Transfers: Usually settle within three business days”
- support.meow.com/articles/5736367150-international-paymen... checked September 26, 2026
Backs: Currencies
“Which currencies can I make international payments with? (56 non-USD currencies listed, plus USD)”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Currency conversion fee.