Money that moves like warm water.
Reef is the current account built for real life — instant notifications, named pots for every plan, and round-ups that save while you spend. No branches. No small print. No nonsense.
One account.
A whole ecosystem.
Every feature shares the same warm water — your money, organised the way you actually think about it.
Give every pound a job.
Carve your balance into named pots — rent, holidays, the rainy-day fund — and watch each one fill on its own.
Warm to the touch.
A recycled-ocean-plastic card the colour of a coral reef at noon. Tap, glow, done.
Average saved per year, a few pennies at a time — without ever feeling it.
Spend abroad, fee-free.
Real exchange rates in 190 countries. Your wallet thinks it never left home.
Know the second money moves.
Instant notifications the moment you tap, get paid, or pay a bill — with the merchant, the map, and the category already sorted. Freeze the card in one tap if something looks off.
Open it before
your coffee's cold.
No paperwork, no branch, no waiting. Three steps and you're swimming.
Snap & verify
Photograph your ID and blink at the camera. We confirm it's really you in under a minute — no forms to mail.
Add some funds
Top up from your old bank in seconds, or have your salary land here from next payday — a day earlier than before.
Start swimming
Your card is live in Apple Pay and Google Pay instantly; the physical coral arrives in the post within three days.
"I moved across town and switched my whole financial life across a kitchen table in five minutes. The pots alone paid for our honeymoon — money I'd never have noticed leaving."
Pay for more,
never for less.
The full account is free, forever. The paid tiers only ever add — they never take the basics away.
Drift
Everything you need to bank like it's the future.
- Free current account & card
- Unlimited pots & round-ups
- Instant spend notifications
- Fee-free spending abroad
Current
For people who want their money working a little harder.
- Everything in Drift
- 4.1% interest on every pot
- Salary up to two days early
- Worldwide travel & phone cover
Deep
The whole ocean, for households and small teams.
- Everything in Current
- Shared pots for up to 6 people
- Metal coral card, engraved
- Priority human support line
Come on in,
the water's warm.
Open a full Reef account in about five minutes — from this very seat, with nothing but your phone and your name.