indi – Smart Banking

indi – Smart Banking credit card

indi – Smart Banking

indi – Smart Banking
indi – Smart Banking|Download the iPhone APP from AppStore

indi is smart banking for independent workers. Bank on the go, save for taxes, and track expenses—all in one app.¹

Whether you’re self-employed, a freelancer, an independent contractor, or working a side gig, indi is designed for you. indi is an FDIC-insured account² with a debit card³ and mobile banking app built for independent workers. Use indi to bank smarter, save for taxes, and maximize expense deductions—all in one account, right in your pocket.

No signup fee. No monthly service fee. No overdraft fees. No minimum balance requirement.



Income taxes are not automatically withheld for most 1099 workers. indi is here to help you be better prepared come tax time.

indi is a single account that lets you visualize your balance as two categories—Okay to Spend and Tax Savings.⁴

Tell us about your income, and we’ll calculate an estimated amount you should save to cover your federal and state taxes.⁴

Set up direct deposit to start funding your indi account. As you get paid, indi can designate a percent of each deposit to Tax Savings.⁴

The money reflected in Tax Savings is available anytime. If you dip in, indi will alert you and increase the percent that you designate moving forward.



Use your indi debit debit card for purchases—work or personal. Categorize deductible expenses as soon as you swipe.

Set up indi to designate a percent of each deposit to help you reach your Tax Savings Goal.⁴

Capture and upload receipts directly to indi.

Enjoy no signup fee, no monthly service fee, no minimum balance requirement, and no overdraft fees.

Rely on indi for tax payment reminders, intelligent tips, and real-time notifications.



All indi accounts are FDIC-insured up to the maximum amount permitted by law.

Withdraw cash fee-free at over 18,000 ATMs in the PNC network. Deposit cash at retailers nationwide.⁵


1. A supported mobile device is needed to use this mobile app. Standard message and data rates may apply.
2. indi is a prepaid account. Your funds will be held at PNC Bank, National Association and are eligible for FDIC insurance, subject to FDIC insurance coverage limits.
3. The indi prepaid debit card is issued by PNC Bank, National Association.
4. indi's Tax Savings Goal feature is not a substitute for individual tax planning or for legal, financial, or tax advice. This feature is intended only as a tool to provide a basic sense of your potential tax savings needs. Because indi will not know everything about your finances or your personal situation, your Tax Savings Goal may be more or less than your actual tax liability. The Tax Savings Goal does not account for local taxes. Using funds designated as Tax Savings for other spending may leave too little money to pay your taxes.
5. indi cardholders can withdraw cash at any ATM. Cash deposit locations are limited to PNC ATMS; and Visa® ReadyLink merchants (for Visa cardholders) or Mastercard® rePower merchants (for Mastercard cardholders); merchants may charge a fee for this service.

Visa is a registered trademark of Visa International Service Association and used under license.
Mastercard is a registered trademark of Mastercard International Incorporated.

indi is a registered mark of numo llc, a subsidiary of The PNC Financial Services Group, Inc.
PNC and PNC Bank are registered marks of The PNC Financial Services Group, Inc.
©2021 The PNC Financial Services Group, Inc. All rights reserved. PNC Bank, National Association. Member FDIC.



Download the[indi – Smart Banking]@iPhone App

indi – Smart Banking|Download the iPhone APP from AppStore

Evaluation at the itunes store

Evaluation of iPhone App [indi – Smart Banking] at itunes store

  • newest version:4.3 out of 5 stars (4.3 / 5)4.27253
  • All versions:4.3 out of 5 stars (4.3 / 5)4.3

Number of people evaluated:466



Screenshots of iPhone Apps [indi – Smart Banking]

indi – Smart BankingScreenshot of 1indi – Smart BankingScreenshot of 2indi – Smart BankingScreenshot of 3indi – Smart BankingScreenshot of 4indi – Smart BankingScreenshot of 5
(c)numo LLC

People reviews

Impression and review of people to iPhone App [indi – Smart Banking]!

  • Account locked
    by Jamie Baucom on October 20, 2021 at 6:48 pm

    Don’t even try to open an account with them, they’re all bunch of scammers

  • Signing in Troubles
    by Geopfert226 on October 6, 2021 at 3:25 am

    I’ve been trying to install and set up an account but it’s not working fix your app please

  • There’s not way I can sign up for a new account.. plz kindly send the link to sign up for me
    by hunrmorgan on October 5, 2021 at 1:35 pm

    How to open new account

  • Indi bank application
    by makehy on October 2, 2021 at 1:27 am

    I will need someone to refer me so I can be able to register for indi bank too

  • Issues with the app
    by [email protected] on September 10, 2021 at 8:35 pm

    I logged in to see my balance and my nothing is showing up i cant see my balance or anything please fix

  • Can’t sign up
    by [email protected]!?¥0!? on September 8, 2021 at 12:13 pm

    You’ll need to fix the app. Can’t sign up on the app no option to sign up for new account on the app

  • Fix the login bug
    by NORRELLLEVEL on September 4, 2021 at 8:49 pm

    Why is my login not going through reset the password so many time already

  • My card hasn’t arrived yet
    by cabbage021 on September 3, 2021 at 4:42 am

    How long does it takes to get an indi card delivered. Months or weeks

  • BEST
    by Elevated101 on September 2, 2021 at 12:52 pm

    It’s easy and best of the money app and I love it

  • Under to apply
    by MannyDc1129 on August 30, 2021 at 10:53 pm

    I’m unable to open account

  • Foolish app
    by ghjbtfcy on August 28, 2021 at 9:42 am

    I can’t open an account

  • Update issues
    by sakete18/23 on August 23, 2021 at 7:22 pm

    I updated my account and it keeps coming up that I should update and it restricting me to login

  • Best bank ever, easy to transfer to external account
    by theresasfsdf on August 23, 2021 at 3:13 am

    I love this bank

  • Bad
    by Jk8863737352 on August 6, 2021 at 5:09 pm

    I got my account close with no reason and I called but all they could tell me is they can’t do anything about it that it’s a permanent closure 🤦🏼‍♀️

  • sugar daddy
    by kimbxr1y on July 28, 2021 at 8:17 am

    my sugar daddy wants to start sending me money thru here should i trust or nah lmk???

  • Love
    by perla e moreno on July 20, 2021 at 1:36 am

    I love indi bank

  • Rev
    by Thomas sean365 on July 5, 2021 at 2:09 pm

    Please kindly review my account it shows reviewing my application for days now

  • Worst bank ever
    by mirascarlett281 on July 3, 2021 at 7:25 pm

    Worst bank ever I ordered my card for the past 4 weeks now and I didn’t get it I called them they told me I should wait for some time I waited and still didn’t get the card now they said they’ll cancel it and send another if this doesn’t work then I’ll rate it as the worst bank ever

  • My account was lock
    by johnbio35 on July 2, 2021 at 10:36 am

    Pls unlock my account so I can take out my funds

  • Hacking
    by sirconfi on June 24, 2021 at 1:44 am

    Hackers have access to your account

  • Please unlock my card
    by ridafiz on June 21, 2021 at 8:58 am

    Please kindly unlock my card. I wanna use the money in it pay my mother medication fee. She’s got covid-19

  • Wildbillshort 21
    by wildbillshorty21 on June 17, 2021 at 7:05 pm

    When you need help nobody will answer the phone and they will not send you a message

  • Account
    by WillCage on May 16, 2021 at 7:58 pm

    Indi proceeded to close my account due to a direct deposit and claimed it suspicious activity? I had never used my card and never received money on it. Then I was asked to provide proof of identification. Even though I suspected it to be some type of scam I uploaded my Identification and still no progress and no clear reason why my account had unusual activity. I spoke with Bridgette in customer service who looked at my account and said there’s no reason for it to be closed. For a 1,200 direct deposit? It’s my unemployment for crying out loud. Terrible service, terrible bank. 0-10 I would never recommend.

  • Disappointed in the ability to protect and resolve fraud
    by wadsofTruth on May 11, 2021 at 6:25 pm

    I’m not very happy right now. Yesterday my account was Wiped out. Today I’m still broke. I can’t take care of other bills, medical needs, etc. INDI can’t tell me squat and say I have to wait Ten days at a min. That’s fine with me but who will tell my landlords, my body/medications ratio, my credit agencies/ oh and my families stomachs? Shall I let the kids know they won’t be eating for 10 ten days minimum… or do you guys do that? And please do not respond to this as if you’re going to help and so everyone can see it. I’ve already asked you. And. Have not been given a rational answer You just canceled a card that Wasn’t missing or stolenz some apparently Made one of their cards! And they can not tell the difference??? Omg is just insane sounding !!!!!! A simple uuid could fix that. !

  • I wanna the reason
    by hitfdec on February 17, 2021 at 6:53 am

    Why do you close my account?

  • Cannot create account
    by Nameless cal1283 on February 12, 2021 at 10:40 am

    When u try to sign up when u get to the email it wont pass there just get stuck

  • Scam
    by Hardwixk on February 9, 2021 at 7:02 pm

    I got 6$ deposited and they closed my account next day 😂😂😂😂

  • Help
    by Cusiwndhehshwiahshwgdgw on January 28, 2021 at 8:13 pm

    Help me out review my indi account please

  • Account closure
    by mark👻👻👻 on December 18, 2020 at 3:16 pm

    Stop closing our accounts

  • Stay away...
    by E. Guy on November 24, 2020 at 12:02 pm

    Virtually impossible to maintain detailed accounting. Not all transactions reflected in app (according to customer service). No real way to verify what they claim. Horrible customer service. Impossible to export transaction details and it takes months, along with several phone calls to gain access to statements plus a $2 fee per statement (their website states the first statement request is free- not the case). No cash back rewards. Absolutely not ideal for any business nor freelancer, especially when it comes to providing financial statements. The only feature indi has going for it is the debit card design. Try Novo instead.

  • Logging in
    by ArkaylaCalyce on September 30, 2020 at 3:07 pm

    I use my Face ID to log in and when I went to the app and used my Face ID it said too many attempts and I can’t log in for 30 minutes.

  • Horrible
    by Tori.too.much on September 27, 2020 at 7:52 pm

    Lock up my card numerous of times && after I verified with receipts every transaction,they still didn’t unlock my account!! sayin I need to hold up a indi sign like they the worse !!!

  • Do not get this card
    by Toodietoots3 on September 16, 2020 at 1:29 pm

    This is one of the most scammers app EVER!!! they’ll close your account even if you do have money on there I recommend nobody to use this card I’m not the first it was my brother my friend then me my brother had 8000 and they closed his account and it’s nothing we can do😩 DO NOT TAKE A CHANCE ITS A WARNING!!

  • Great service and app
    by Aztek King on September 15, 2020 at 10:48 am

    Great service and app.

  • Me párese una buena aplicación
    by chichilarga on August 22, 2020 at 9:40 pm

    Tiene buenos métodos de uso

  • Bad
    by amys spot llc on July 14, 2020 at 5:03 am

    So after hours of phone calls I get a response saying they have no way of telling me where my money went all I asked for was where they blame the other bank which never received it I just want to know where the hell my $2000 went they give you generalized answers and no solving of the issue it’s been a week already with my money no where to be found the app does not give you the I formation needed to verify account and routing numbers of an ach transfer and apparently they can’t tell you where they sent it either smh so who is responsible for my money if no one has it but I initiated the transfer two out of four deposits went thru help Mindy Williams Amy’s spot llc

  • ***UPDATE****Hands down THE Worst App & Business Account
    by realMasterKey on July 11, 2020 at 8:38 am

    ****UPDATE #2*** From 9pm to 1:30am I waited in hold on three different phones (that were hung up around 2 hours and 45 minutes of waiting respectively) only to find that my account was frozen due to an order for furniture that I placed was canceled because the items were out of stock so the merchant issued a refund back to my account. Indi/PNC Bank’s system wanted the refund matched up with the original transaction...which was done while I was on hold again....the process from when the representative answered until the end of the call took less than 5 minutes....yet I was on hold for over 5 and a half hours!!! All because someone wanted to give back $2,000 of my money. They froze my entire account because of this. No warning...leaving me stranded if I had had no cash to buy food or gas. And all I receive is a weak rehearsed emotionless apology. I could understand if someone was trying to take $2,000...but no it was a freaking REFUND so they flagged it for security verification...made me wait 5 and a half hours for a security representative to remove the security freeze in less than 5 minutes. Freaking ridiculous!!! Just avoid Indi/PNC Bank. Hell at this point I’m almost willing to pay people $5 NOT TO JOIN!!! Geeeeezzzzzssss... ***UPDATE*** I have now been on hold for 2 hours, 43 minutes and 32 seconds waiting for a representative from the Indi/PNC Bank security department to verify me and unfreeze my card. RIDICULOUS!!! I’m also on hold on two other phones just to see which is answered first. The second phone I’ve waited 1 hour and 56 minutes. The third phone 22 minutes and chose the option of reporting my card lost to see if they answered faster. I’ve had nothing but issue after issue with Indi/PNC. As I type this I am on hold for the third time in the last two hours waiting for security review to unfreeze my card...that I haven’t even used for the past two days. I’ve been in hold this time so far for 30 mins and been transferred twice (once to some department that isn’t even part of PNC/Indi somehow). It’s a good thing I’m not stuck at a gas station. Since I discovered that Indi/PNC would act as “Mom & Dad” determining how much of my OWN money I am able to spend from my BUSINESS account daily, I’ve been trying to slowly withdraw and move my money back to Bank of America....where there is no daily spending limit. Every other day my card is now being froze and I have to go through this 2-3 hour period of verification for my card to become I frozen. Which by this time it’s too late for me to withdraw from the ATM before the next day. In short this banking experience has been horrible. By far the worst bank I’ve ever dealt with. They have a nonchalant attitude towards assisting their customers and simply just say “no”. They have made claims that a supervisor would contact me regarding my concerns on several occasions, yet no one has ever called. They refuse to increase the daily spending limit of $2,500. They refuse to increase the daily wire transfer amount of $1,000. They refuse to increase the ATM withdrawal amount of $500. BUT!!!! When it came down to funding my account they had NO OBJECTION to accepting my transfer of $44,000 when their limit is normally $10,000. They have no issue bending the rules when it’s in their favor. But when I found all of this out and asked about closing out my account, they told me that they could close it and mail me a check for the balance remaining in my account and this whole process would take approximately 30 DAYS!!!! 30 days without any access to the portion of my business funds that they have. So I’m canceled all of my wires from my other bank and not depositing any additional funds. But now I am being punished apparently by Indi/PNC as they freeze my account every other day preventing me from transferring and/or withdrawing and/or making any purchases. I’m certain this is breaking few rules and as soon as I’m off of this now 40 mins phone call I will be filing a complaint with the BBB, FTC and all other governing authorities. Trust me no exaggerations. Feel free to contact me and I will provide detailed evidence of my experience with Indi/PNC. Sadly, I have only had this account since May 16, 2020 and didn’t receive my debit card until June 19, 2020. But it has felt like a lifetime of irritation. 45 mins on hold after being on hold twice before this same very night for over 20 mins each time. Trust me...just don’t sign up for this torture. Avoid Indi Bank/PNC Bank and save yourself the worst banking experience ever imagined.

  • Lackadaisical approach to granting access to my own funds...
    by MasterKeyBT on June 24, 2020 at 7:10 am

    I’ve only had my card for 5 days and was pretty frustrated with Indi before it arrived. (Been waiting to receive a card for a month)I funded my account on a MONDAY but could not access my funds until Saturday when my card arrived. Then after trying to order furniture for my new home, my card was declined. The salesperson suggested calling Indi and asking them to increase my spending limit just to allow this transaction. I remembered having to do this with Bank of America and Wells Fargo in the past while making a purchase at the Apple Store. This was not an issue at all. But, Indi refused. Since I am making my purchase online because of COVID19 there is no option to split the payments over a few days or between a few cards. Which left me with not being able to make a purchase at all because buying the items individually would not afford me the package discount. The next day, the furniture I chose was sold out. So I’m extremely annoyed that Indi would not increased the amount I’m allowed to spend of MY OWN FUNDS and has yet again denied me access to MY OWN FUNDS. Their daily debit card spending limit of $2,500 does not seem practical considering this is supposedly a BUSINESS ACCOUNT and we have several expenses monthly that are over the spending limit. When I stated this to the Indi Representative and gave an example that questioned how I would even be able to pay rent considering I live in California and pay over $4,000 per month. No solution was offered. He only kept repeating that the daily limit was $2,500. I couldn’t believe there was no attempt to even suggest an alternative or even an attempt made to see if it was even possible to make exceptions for the daily spending limit based on certain circumstances. Needless to say...I will be switching banks ASAP!!!

    by Jaclyn Kent on April 5, 2020 at 12:33 pm

    The only thing that makes it a little hard for me to use and work with is that the transaction history are not showing up in real time. I do understand that it’s a fairly new app, and being an artist i have a convenient way to access my hard-earned money. Keep it up!!

  • I love my Indi card!
    by honeygil on October 4, 2019 at 10:55 pm

    Great product for me as a nurse working as a 1099 employee, I love how it helps me plan for paying my taxes!

Change log

Update history of iPhone App [indi – Smart Banking]

Hey there! indi is currently only available through select partners.

This update includes a change to how you can apply for an account.

Happy banking!
– The indi team
(c)numo LLC


iPhone App [indi – Smart Banking] Other details

  • Sales maker:
    numo LLC
  • Release date:
  • Version:1.19.0
  • OS:iOS,iPhone,iPad
  • Price:Free


Download the[indi – Smart Banking]@iPhone App

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indi – Smart Banking|Download the iPhone APP from AppStore


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