Dwindle gives you the best of both. Pays down your credit card automatically with each transaction, so every swipe is already handled just like the debit card in your wallet.
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Use your credit card like a debit card—without changing the way you spend.
Dwindle automatically pays off your purchases from your linked bank account, so you earn rewards like credit, but stay on top of your balance like debit. Payments happen nightly, and you’ll get real-time notifications and see every transaction in the app—so you’re always in control.
A smart assistant that learns your habits, pings you with real-time updates, and chats back with the personality you choose — whether you want it witty, motivational, or straight to the point.
Your rewards cover it. Pay as you spend: Most cards give you up to 5% back—we only charge a small 0.75% service fee. You keep the other 4.25%.
Your data stays yours.
We never sell your data. It’s only used to power your Dwindle experience.
Bank-grade encryption, end-to-end.
Plaid and Method protect data with modern encryption
No banking passwords on our servers.
You connect your bank through Plaid (Providers of your favorite apps including Venmo).
Your account numbers aren’t shared with Dwindle.
Your real bank details aren’t exposed.
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