Personal Finance

Move your money.
Not someone else's.

OwnFlow is the first transfer app built exclusively for moving money between your own bank accounts. Instantly. For less.

Try the Demo
<1%
Transfer fee target
Seconds
Not days
1 user
You. That's it.
The Problem

You have money in Bank A. You need it in Bank B. Every app makes you pretend you're paying someone else. You're not. It's your money. You just want it in a different place.

Zelle
Free*
*If both banks support it. Users report getting banned for self-transfers.
PayPal
1.75%
"Send to yourself" is buried four menus deep.
Cash App
1.75%
Requires separate email handles per account. A workaround, not a feature.
Venmo
1.75%
Includes a social feed. For moving your own money. Why.
How OwnFlow Works
1

Link your accounts

Connect the bank accounts you own. Securely, through Plaid. OwnFlow verifies they belong to the same person.

2

Pick source and destination

Select where the money is and where it needs to go. One screen. No social features, no chat, no feed.

3

Send. It arrives in seconds.

Using push-to-card and real-time payment rails, your money moves instantly. At a fraction of what competitors charge.

Built Different
$

Lower fees by design

Self-transfers carry lower fraud risk than P2P. Lower risk means lower costs. We pass the savings to you.

↓

No bloat

No social feed. No cryptocurrency. No cash boosts. No friend requests. One job, done exceptionally well.

✓

Simpler compliance

When both sides of a transfer are verified as the same person, entire categories of fraud disappear. That simplicity makes everything faster.

→

Every bank, one app

Stop juggling Zelle tokens, PayPal balances, and Cash App workarounds. Link all your accounts in one place and move money freely between them.

Your money shouldn't need a middleman to reach itself.

OwnFlow is building the transfer layer the banking system forgot. Simple. Fast. Yours.

Start Transferring