GoldSupercharge your next move
Do more with your money with high-impact tools, rates, and insights—all with Gold for $5/month.
ieTorio Gold Disclosures
Smarter money starts with Gold
Unlock these premium financial tools for $5/month.
High-yield cash
3.35% APY on eligible brokerage cash, more than eight times the national savings average.*
Terms and limitations apply
Retirement boost
A 3% match on IRA contributions, applied automatically to your retirement savings.
Terms and limitations apply
Bigger instant deposits
Trade right away with deposits up to 3× your portfolio value.
Terms and limitations apply
Management-fee cap
eTorio Strategies expert-managed portfolios. No management fees above $100K for Gold members.
Terms and limitations apply
Build your future— with intention
Invest in your future with a 3% boost on annual IRA contributions, up to $225 based on the 2026 maximum contribution.
Subscription ($5/month) and limitations apply
Maximize your money's potential
The only swipe that matters
Earn 3% cash back on all categories. Invest or earn interest on all that extra cash when redeemed into a eTorio brokerage account. It's a win win.
iCredit Card Disclosures
Subject to credit approval and underwriting. eTorio Gold Card is offered by eTorio Credit, Inc., and is issued by Coastal Community Bank, pursuant to a license from Visa U.S.A. Inc. eTorio Credit, Inc. (RCT), is a financial technology company, not a bank.
Unlock private banking
No longer reserved for the ultra-wealthy.
eTorio Banking is a financial services platform offered by eTorio Money, LLC (RHY). RHY is a financial technology company, not a bank. Banking services are provided by Coastal Community Bank, Member FDIC.
Explore the benefits of Gold
How is eTorio able to offer 8x the national savings average? How does it work?
We're always looking for ways to help our customers make their money work for them. Through our High-Yield Cash program, we're able to offer you a competitive APY on your eligible cash. Once you have Gold, just opt in to the High-Yield Cash to have your eligible brokerage account cash automatically earn interest.
How do I earn the 3% IRA Match and when is it paid out?
You can earn the 3% match on all new IRA contributions, up to the contribution limit. The IRA Match will generally be available in your account and ready to invest when your deposits are completed. You must stay subscribed to Gold for one year and keep the assets in the IRA for five years in order to keep the full 3% match.
Is there a limit on how much interest I can earn?
Nope! There is no cap or max on how much interest you can earn.