Question 1

What is Dino?

Accepted Answer

Dino is a modern business banking platform built for internet companies. Run all your financial operations from one powerful account. Offers include: checking accounts with no monthly fees; up to $200M in FDIC insurance; spend and debit cards; reimbursements; wires, ACH, and international wires; finance automations including invoicing, accounting automations, and expense reimbursements; customizable permissions; and an experience over 5k companies love.

Question 2

What do I need to apply for an account?

Accepted Answer

Business information and formation documents (e.g., articles or certificate of formation, registration details); proof of business address; and identity verification (including government ID) for the company's control person and any beneficial owner who owns 25% or more of the business. U.S. businesses also require EIN documentation.

Question 3

Can I apply for an account if I'm not physically in the United States or a United States resident?

Accepted Answer

Yes. Dino supports U.S. companies founded by people across the globe as well as non-U.S. companies in most non-prohibited jurisdictions.

Question 4

What companies will you accept as customers?

Accepted Answer

Dino supports most types of businesses, including SaaS, ecommerce, agencies, consultants, law firms, professional services, and real estate. We generally do not support certain high-risk industries, such as money services businesses, adult entertainment, cannabis, and unlawful gambling. Dino may not be a fit for businesses with cash-heavy operations. At this time, we do not open accounts for trusts.

Question 5

Are my deposits FDIC-insured?

Accepted Answer

Dino partners with Column, N.A., an FDIC-insured bank, to offer banking services to our customers. Deposit accounts held at Column may be FDIC-insured up to hundreds of millions of dollars. Column works with IntraFi Cash Service (ICS) and other deposit placement partners to distribute eligible funds across a network of participating FDIC-insured banks. Deposits are placed below the $250,000 FDIC insurance limit per depositor, per insured bank, per ownership category, and distributed across multiple banks to expand total coverage, potentially to hundreds of millions of dollars, subject to program terms, eligibility, and applicable FDIC requirements.

Question 6

What does it cost to use Dino for businesses?

Accepted Answer

Free to use — no account minimums, overdraft fees, monthly fees, or account opening fees. Certain premium features may incur fees (mass API payments, Treasury, non-USD card transactions, currency exchange, premium international wire processing). Our Pro plan costs $25/month for free wires and ACHs and some other features.

Question 7

How does Dino make money?

Accepted Answer

Interest on deposits, foreign exchange processing on international wires, interchange fees from card usage, and subscription revenue.

Question 8

How do you price international wires?

Accepted Answer

International wires cost $25 to send. They are sent as OUR, which means the recipient receives the full amount.

Question 9

Is there a minimum balance requirement for Dino Treasury?

Accepted Answer

No.

Question 10

What do you use my social security number for?

Accepted Answer

To verify your identity. No credit score checks or credit checks are performed using your SSN.

Question 11

Where are my funds kept and how are my deposits FDIC-insured?

Accepted Answer

Dino partners with Column, N.A., an FDIC-insured bank, to offer banking services to our customers. Deposit accounts held at Column may be FDIC-insured up to hundreds of millions of dollars. Column works with IntraFi Cash Service (ICS) and other deposit placement partners to distribute eligible funds across a network of participating FDIC-insured banks. Deposits are placed below the $250,000 FDIC insurance limit per depositor, per insured bank, per ownership category, and distributed across multiple banks to expand total coverage, potentially to hundreds of millions of dollars, subject to program terms, eligibility, and applicable FDIC requirements.

Question 12

How does Dino keep my money safe?

Accepted Answer

Checking deposits are held in your business's name across a sweep network of regulated banks. (See "Are my deposits FDIC-insured?" above.) Fraud engineering and compliance teams build tools and real-time monitoring to spot and stop suspicious activities.

Question 13

Is it secure to use Dino?

Accepted Answer

Yes. We take account and data security very seriously. Measures include: HTTPS on all pages with HSTS; annual third-party penetration testing; passwords hashed with bcrypt; time-based one-time passwords for 2FA (no SMS); encrypted database and uploaded images with additional encryption for sensitive data like SSNs; debit and credit card numbers are never stored.

Question 14

Is Dino SOC 2-compliant?

Accepted Answer

Dino's SOC 2 audit is currently in progress. Contact compliance@dino.id if you need the latest security and compliance status.

Question 15

What's Plaid?

Accepted Answer

Plaid allows users to securely connect bank accounts to apps. Used by companies like American Express and Venmo. Dino uses Plaid to connect other business bank accounts for quick transfers and centralized financial data.

Question 16

What are Authy and Google Authenticator?

Accepted Answer

Apps for two-factor authentication that generate device-unique codes, providing an extra layer of verification when logging in.

Question 17

Why don't you support SMS two-factor authentication?

Accepted Answer

SMS 2FA can be compromised by hackers porting your phone number (port-out scams). Authy or Google Authenticator cannot be compromised this way.

Question 18

I found a security issue with the site. Who should I talk to?

Accepted Answer

Contact engineering@dino.id to report a vulnerability or join the bug bounty program. We appreciate it!

Question 19

Where can I find my wire details?

Accepted Answer

Through the Add Funds flow in the Dino dashboard.

Question 20

Can I send money via ACH (electronic transfer)?

Accepted Answer

Yes, for free through the Move Money flow in the Dino dashboard.

Question 21

Can I send wire transfers?

Accepted Answer

Yes. Domestic and international wires are available through the Move Money flow in the Dino dashboard.

Question 22

Can I send wire transfers internationally?

Accepted Answer

Yes, in 30+ currencies via the Move Money flow. USD international wires are $25 and always cover recipient transaction fees.

Question 23

Are Dino cards debit or prepaid?

Accepted Answer

Dino offers two types of cards depending on which product you use: • Spend cards (corporate and agent cards) — virtual-only cards funded from your workspace cash wallet. Spend draws from your available wallet balance. There is no credit line and no repayment — funds are reserved from the wallet at authorization and settled automatically. You can set per-card limits, period budgets (daily, weekly, monthly), merchant locks, and approval thresholds. • Bank debit cards — virtual and physical cards linked directly to your Dino deposit account at Column N.A. Spend draws from your account balance. No credit check required.

Question 24

Do I need to pay off my card balance?

Accepted Answer

No. Both card types spend from funds you have already deposited — either your workspace wallet (spend cards) or your deposit account (bank debit cards). There is no credit line, no bill, and no repayment cycle.

Question 25

How many cards can I create on Dino?

Accepted Answer

By default, every Dino account can create up to 500 spend cards (virtual). Bank debit cards include virtual and physical options. Contact support@dino.id if you need to raise your limit.

Question 26

Can I create physical cards for my team?

Accepted Answer

Physical cards are available on the bank debit card product, linked to your deposit account. Spend cards (corporate and agent cards) are virtual-only. Physical bank cards can display your employees' names and are mailed to the address you choose.

Question 27

Does applying for a Dino account affect my credit score?

Accepted Answer

No. We do not perform soft or hard credit pulls.

Question 28

Can I dispute transactions?

Accepted Answer

Yes. Contact support@dino.id for help submitting a dispute.

Question 29

Does applying for a Dino card affect my personal credit score?

Accepted Answer

No. Dino does not perform soft or hard personal credit checks when issuing cards.

Question 30

Does Dino charge foreign transaction fees?

Accepted Answer

Yes. Non-USD debit and credit card transactions are subject to an international transaction fee. That fee is not refunded even if the transaction is reversed.

Question 31

How do I receive my physical card?

Accepted Answer

Order physical cards in the Dino dashboard; they are mailed to the address you choose.

Question 32

My card isn't working. What should I do?

Accepted Answer

Ensure the card is not frozen. Non-admins should contact their account admin. Otherwise, email support@dino.id.

Question 33

Am I protected from fraudulent transactions?

Accepted Answer

Yes. An unauthorized transaction may be eligible for a refund depending on the circumstances. Contact support@dino.id to start a dispute.

Question 34

I've lost my card. Now what?

Accepted Answer

Report the card as lost or stolen from the Dino dashboard, then order a replacement physical card.

Question 35

Can I get cards for my whole team?

Accepted Answer

Yes. Invite your team and issue cards in bulk.

Question 36

Do Dino cards have any fees?

Accepted Answer

No annual fees and no interest — there is no credit line to charge interest on. International transaction fees apply on non-USD transactions. See your product terms for the full fee schedule.

Question 37

What is Dino Invoicing?

Accepted Answer

Dino Invoicing lets you send professional invoices, track receivables, and get paid from your banking dashboard. Create branded invoices, offer multiple payment methods, see who owes what, filter by status, set up recurring invoices, send reminders, and edit invoices. Incoming payments can auto-match to invoices.

Question 38

How do I get Dino Invoicing?

Accepted Answer

Dino Invoicing is available to Dino customers. Open the Invoicing tab in the left menu under Workflows.

Question 39

Which payment methods can I choose to enable?

Accepted Answer

ACH or wire transfer instructions, ACH debit (customer opt-in required), and crypto.

Question 40

What does it cost to use Dino Invoicing?

Accepted Answer

Nothing — it's free.

Question 41

Can you still record an invoice in Dino if it's paid elsewhere?

Accepted Answer

Yes. On the Invoicing page, mark the invoice paid with payment date and method.

Question 42

Does Dino Invoicing integrate with accounting software?

Accepted Answer

Standard bank feed imports via QuickBooks, Xero, and Sage. Payment records auto-sync once an invoice is paid. CSV downloads are also available.

Question 43

Who has access to request and manage invoices?

Accepted Answer

All Dino admins have access automatically. Custom user permissions can grant access to additional team members.

Question 44

Which accounting software providers does Dino integrate with?

Accepted Answer

QuickBooks Online, Sage, and Xero. CSV downloads are also available.

Question 45

What does it cost to use Dino's accounting automations?

Accepted Answer

Nothing — it's free.

Question 46

What types of transactions can you categorize in Dino and sync to your accounting software?

Accepted Answer

Bills, credit and debit card transactions, expense reimbursements, incoming and outgoing wires, ACH transfers, checks, and internal transfers across Sage, Xero, and QuickBooks.

Question 47

Who has access to your accounting automations set-up?

Accepted Answer

Account admins and bookkeeper roles.

Question 48

Where can I find my account details?

Accepted Answer

The Accounts tab on the dashboard shows accounts with routing and account numbers.

Question 49

Can I have multiple users on my account?

Accepted Answer

Yes. Invite as many team members as you want.

Question 50

Can I control the permissioning on user accounts?

Accepted Answer

There are three main access types: Admin (issue cards, move money, manage team), Bookkeeper (view only — no card, money movement, or user management), and Employee (card and own transactions only). Additional custom permissions can be added for requesting payments, sending invoices, and changing payment authorization policies.

Question 51

How can I add team members to my account?

Accepted Answer

Through the Users tab in Entity Settings.

Question 52

How can I remove a user from my account?

Accepted Answer

Through the Users tab in Entity Settings.

Question 53

Are you compatible with Xero or QuickBooks?

Accepted Answer

Dino is fully integrated with QuickBooks Online and Xero with automatic transaction syncing.

Question 54

Do you generate monthly statements?

Accepted Answer

Yes. Download them from the Documents tab in the dashboard.

Question 55

Can I add my bookkeeper to my Dino account?

Accepted Answer

Yes. Bookkeeper accounts can view transaction history and statements but cannot initiate money movements or change permissions.

Frequently asked questions

General

Pricing

Security & Privacy

Moving Money

Card

Dino Invoicing

Accounting Automations

User Accounts

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