Prize-Linked Savings

Save money and unlock the chance to win up to $1 million every day. Yotta members have already won over $12 million.

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Yotta is a financial technology company, not a bank. Banking services provided by Evolve Bank & Trust, Thread Bank; Members FDIC and Synapse Brokerage LLC Program Banks. Number drawings RNG certified by Gaming Labs International.


Inspired by Premium Bonds and Freakonomics, Yotta offers Prize-Linked Savings Accounts to encourage our members to save more. Not only is your money held with Evolve Bank & Trust, member FDIC and eligible for FDIC insurance up to $250,000, but we also pool a portion of the interest on deposits and pay it out in daily sweepstakes (sometimes called a "no-loss lottery") with prizes ranging from 2 cents to $1 million.

We're able to do this by partnering with a lean, digital-first bank - Evolve Bank & Trust, member FDIC - without big offices or branches. And despite this, we still offer everything you expect from a first-class banking experience.**


Yotta does not hold any customer funds. Deposits are held with Evolve Bank & Trust, member FDIC. Funds held with Evolve Bank & Trust, member FDIC are eligible for FDIC insurance up to $250,000


Yotta is free to use. No monthly fees or processing fees as long as you have more than $5 in your account, you're good.


Schedule recurring deposits to grow your savings and get more chances to win. To really take advantage of Yotta's features, you can divvy up your deposits into buckets to make budgeting a breeze.


Snap a couple pics, get your money & get tickets. Like the big banks, but better.


Pay your bills electronically through the app or have checks mailed on your behalf. Easy breezy.

Open an Account in minutes

We know your time is valuable. And we like to get to the fun part fast.

Pssst... for even more rewards and better chances at winning, setup

Direct Deposit

Double your chances at a Lucky Swipe free puchase, earn bonus tickets on paychecks, and more.