Sequence automates money movement with rules, Pods and debit cards for small businesses and households. Plans start at $7.99/month billed annually.
Researched and fact-checked by Bartu Cavusoglu · Updated October 26, 2026
Sequence is a financial automation platform that helps people organize and move money by rules. Users connect checking, savings, credit card and loan accounts, then build a visual Money Map showing how income should flow to taxes, payroll, savings, debt repayment and profit. The site names small business owners and families as its users.
Sequence is a financial technology company and is not an FDIC-insured bank. Banking services come from Thread Bank, Member FDIC, and the Sequence Visa cards are issued by Thread Bank under a Visa license. The company also promotes a separate API that connects AI agents to bank accounts for builders.
Setup follows three steps. Sequence opens a new bank account in the user's name, and the user connects other accounts to it and designs a financial flow. Next, the user sets rules and conditions that decide what is transferred where and when, with IF statements available for advanced logic.
After that, Sequence carries out the transfers. Income can be routed by percentage, date or priority, and balances stay updated live and organized by goal. One customer quoted on the site describes setting rules for each bill so that Sequence handles them as deposits arrive.
Pods are mini bank accounts created for goals such as taxes, savings, payroll or expenses. Each Pod can issue its own virtual or physical debit card, and the Omni Card is one physical card that lets the user choose which Pod to charge before paying. This keeps spending tied to the right balance.
Other tools include automated debt repayment strategies, tax set-asides ahead of due dates, automatic expense tracking and real-time cash flow tracking. Templates such as Profit First, 50/30/20 budget, Side Hustle, Side by Side, Classic and Dual Income give new users a starting flow they can adjust.
Sequence is a financial automation platform that connects checking, savings, credit card and loan accounts and moves money between them by rules. It shows the flow in a Money Map and tracks balances in real time. It serves small business owners and households.
Starter is $7.99/month, Pro is $14.99/month and Premium is $29.99/month, all billed annually with a 50% first-year discount for new users. On renewal the prices are $15.99, $29.98 and $59.98 per month.
The sources do not list a free plan or a free trial. They do list a 30-day money-back guarantee, and users can cancel before the next billing cycle.
Sequence suits small business owners who want income split into taxes, payroll, profit and savings automatically. Households that want rule-based bills and debt repayment also use it. Premium targets owners of multiple businesses.
No. Sequence is a financial technology company and is not an FDIC-insured bank. Banking services are provided by Thread Bank, Member FDIC, and FDIC coverage on deposits is subject to conditions.
Yes. The site says users can connect personal and business accounts and keep everything separated by purpose. Starter is for personal use, Pro for a single business and Premium for multiple businesses.
A Pod is a mini bank account created for a goal such as taxes, savings, payroll or expenses. Each Pod can issue its own virtual or physical debit card, and the Omni Card lets one physical card charge any Pod.
Yes. Sequence promotes an API that connects AI agents to a bank account. It uses scoped API keys with per-key spend limits and a full audit trail of agent actions, and money moves over ACH infrastructure.