Real Wallet is a comprehensive financial platform designed specifically for Real agents. While The Real Brokerage provides the technology, banking services are provided by Thread Bank (Member FDIC).
Opening Your Account
How do I apply for a Real Wallet account?
Getting started is simple.
- Navigate to the Wallet section in reZEN (desktop or mobile) and click "Get my Debit Card."
- Follow the application prompts to verify your identity and business details.
- Once approved, your account is automatically set as your primary payout method.
Which account type should I choose?
Selecting the correct entity type is vital for a smooth verification process:
| Account Type | Description & Criteria |
| Business / LLC | For registered entities (LLC, S-Corp, C-Corp, or Partnerships) where the bank account matches the business name. |
| Individual / Sole Prop | For agents operating under their personal legal name. You may add a "Doing Business As" (DBA) name here. |
Note: Individual accounts using an EIN for a DBA are still treated as sole proprietorships. Applications may be rejected as duplicates if the same EIN is used across both individual and business applications.
For more detailed information on the the different account types see: Difference between LLC/Individual/Sole Proprietor
Getting Paid (Inbound Funds)
How do I receive my commissions and Revenue Share?
Once your account is active, Real Wallet becomes your hub for earnings. Payouts, commissions, and Revenue Share are deposited directly into your Real Wallet account(s).
Is Real Wallet mandatory?
Yes. Effective September 1st, all Revenue Share payouts must be sent to a Real Wallet account. This ensures a seamless flow of funds and allows you to start earning rewards on your business expenses immediately.
For more information on payment routing see: Understanding Auto Deposit Rules
Managing & Moving Money (Outbound Funds)
How can I spend my funds?
You can use your Real Wallet Visa debit card for business purchases.
You can also:
- Add your card to digital wallets (Apple Pay/Google Pay).
- Link your account to third-party payment apps like Venmo or PayPal.
How do I transfer money to another bank?
You can initiate ACH transfers anytime via the reZEN platform.
- Transfer Times: Typically 1–3 business days.
- Daily Limit: Standard ACH credit limit is $100,000.
For more in depth money managing articles see:
- Adding Funds to Your Real Wallet Business Checking Account
- Transferring Money from Your Real Checking Account(s)
Rewards Program
How do I earn points?
Real Wallet turns your business expenses and savings into credits toward your Real Fees. You earn points in two ways:
- On Spending: Earn 2.5 points for every $1.00 spent on qualifying purchases with your Real Wallet Business Debit Card.
- On Balances: Earn 0.5 points monthly for every $1.00 held in your average deposit balance (Checking and Tax Planning accounts).
Note: ATM withdrawals, money orders, P2P transfers (Venmo/CashApp), and cash advances do not earn points.
What are the Reward Tiers?
The more you engage with the platform, the more your points are worth. There are four tiers: Bronze, Silver, Gold, and Platinum. Once you reach the minimum Points Balance for a higher tier, you lock in that increased redemption value for 12 months, helping you pay off your Real Fees even faster.
Interested in Learning more about Rewards? See: