Qualifying for deposit-free living with Obligo is a breeze! We provide three easy options to qualify in-app:

  1. With a US bank account connected with Open Banking

  2. With two cards and a soft credit check

  3. With two non-US cards and an ID verification

In the vast majority of cases, you will be able to qualify by connecting one US bank account. Obligo uses an open banking connection to run a lightning fast series of tests to ensure that sufficient funds are available in your account. Please note that your bank account must be active for at least 6 months to qualify with open banking.

If you don’t have access to a US bank account, Obligo offers alternative options to qualify. You can choose to qualify with two US credit or debit cards and a soft credit check, or with two Non-US credit or debit cards and ID verification with a passport.


Questions about your Obligo account? Login and chat live with a support agent!

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