256-bit TLS
Bank-grade encryption
Your data is protected with the same encryption standard used by major banks. We never store your bank credentials.
Smart money insights.
Master your money
Panda Pay gives you data-driven spending insights and budgeting tools to stay on top of your finances — plus Cash Flex™ for eligible users.
- Insights
Data-driven
Track where your money goes with clear breakdowns and smart analytics — all in one place.
- Cash Flex™
Up to $100
Get access to up to $100 in cash flow flexibility with Cash Flex. Standard ACH delivery is free. No interest. No late fees.
- Insights
Data-driven
Track where your money goes with clear breakdowns and smart analytics — all in one place.
- Cash Flex™
Up to $100
Get access to up to $100 in cash flow flexibility with Cash Flex. Standard ACH delivery is free. No interest. No late fees.
How it works
Fast. Secure. Simple.
- Step 1
Sign Up
Getting started is free and takes just a few minutes.
- Step 2
Connect your bank
Link securely with bank-grade encryption. Your credentials are always encrypted.
- Step 3
Use Cash Flex
Access financial insights and cash flow support up to $100 with Cash Flex — all from your dashboard.
- Step 1
Sign Up
Getting started is free and takes just a few minutes.
- Step 2
Connect your bank
Link securely with bank-grade encryption. Your credentials are always encrypted.
- Step 3
Use Cash Flex
Access financial insights and cash flow support up to $100 with Cash Flex — all from your dashboard.
Security & privacy
Your data, protected at every step.
Panda Pay encrypts your data in transit and at rest, with strict access controls and responsive support to keep your information safe.
We're here to help
Responsive support
Our team is available by email for account issues, bank connections, or general questions. We typically reply within 1 business day.
You're in control
Privacy controls
Manage notifications or unlink your bank with a single tap — whenever you want.
No hidden fees
Transparent pricing
What you see is what you pay. No interest, no late fees, no surprises.