Tribal is made for startups and growing SMEs looking for a better way to pay business expenses and optimize their financial management. To be eligible for an account, you must be a registered company and the applicant must be a founder or part of the executive management team of the business. Tribal products may not be available in all markets.

There is no cost to open a Tribal account, and currently we don’t charge any interest or foreign transaction fees. With Tribal, you'll never have to worry about hidden fees.

So how do we make money? Tribal makes money from the interchange fee that is paid by the merchant whenever you use your Tribal card. The fee is split between the card network and the merchant’s bank, and we get a share of that.

For existing companies, the Tribal account opening process is 100% digital and the application process typically takes less than 10 minutes.  

All you need to do is complete a brief online questionnaire about your company operations, founders and sources of funding. In some cases we may follow up and request company bank statements or additional financial information.  

Once your application has been received, it may take up to 48 hours for us to verify your business and send an approval decision or request additional information. Completing the application in full with all required documents goes a long way in helping us expedite your application review.

Normal banks can take months to approve an application. With Tribal, the time to reach an approval decision can be as fast as 1 hour, but usually within 48 hours after submitting all required documents.

The review process can only begin once the application has been completed in full. If we need to follow up for additional information to complete your application, the process may take longer than the typical turnaround times.

Once approved, you can immediately activate your account, invite your team, create your cards, and start transacting.