Banking reimagined
from the inside out.
Founded in 2015 by a team of fintech engineers and former central bankers, Cathay was built on one belief: modern financial infrastructure should work as elegantly as the best software.
We exist to democratize financial access.
Too many people and businesses are underserved by financial institutions that prioritize fee revenue over customer outcomes. We built Cathay to flip that model — where our success depends entirely on yours.
Today we serve 2.4 million customers across 38 US states and 12 European countries, with offices in New York, San Francisco, London, Frankfurt, and Amsterdam.
Our core values
Transparency
No hidden fees. No confusing terms. If we can't explain it clearly, we won't offer it.
Speed
Time is value. We build products that respect yours.
Security First
We treat your money like our own. Zero tolerance for gaps.
Global Access
Banking without borders. Same quality experience anywhere.
Milestones that matter
The team driving it forward
Global presence, local expertise
Fully regulated. Fully protected.
United States
- FDIC Insured — up to $250,000 per depositor per category
- Regulated by the Office of the Comptroller of the Currency (OCC)
- Supervised by Federal Reserve (member bank)
- Equal Housing Lender — HUD approved
- SEC registered investment advisor (Cathay Invest)
- SIPC member — brokerage accounts protected up to $500,000
European Union
- Regulated by the European Central Bank (ECB/SSM)
- Deposits protected under EDIS — up to €100,000
- PSD2 compliant — Open Banking APIs available
- GDPR data protection — EU data residency guaranteed
- MiFID II compliant investment services
- Passported across 27 EU member states