Banking that reads like your own ledger — plain, and in order.
NYT Bank keeps savings, loans and everyday spending in one place, with rates and terms stated up front — no fine print you need a magnifying glass for.
Accounts & cards
Five products, one statement. Rates shown are illustrative and reviewed quarterly.
Everyday current account
No minimum balance, no monthly fee, same-day transfers.
High-yield savings
Interest calculated daily, paid monthly, withdraw anytime.
Personal loan
Fixed monthly payments over 1–7 years, no early-repayment fee.
Home loan
Fixed or variable terms up to 30 years, first-time buyer support.
Rewards card
1.5% back on every purchase, no foreign transaction fee.
Calculators
Estimates only — for a firm quote, an application looks at your full profile.
estimated monthly payment
Simple fixed-rate amortization estimate. Actual offers depend on credit assessment.
estimated balance at the end
Monthly compounding estimate. Rates can change; this isn't a guaranteed return.
Frequently asked
How long does it take to open an account?
Most everyday and savings accounts are approved within one business day once identity checks clear.
Is my money protected?
Eligible deposits are covered by standard deposit-insurance schemes up to the local statutory limit.
Can I pay off a loan early?
Yes — personal and home loans carry no early-repayment fee, so extra payments go straight to principal.
Do you offer business accounts?
Business banking is on our roadmap; join the waitlist through the contact form and we'll reach out.
Talk to us
Questions about an account, a loan, or opening a branch relationship — send a note and a banker will follow up within one business day.
hello@nytbank.com
+1 (800) 555-0134