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Neobanks is a relatively new term that has sprouted in the financial service and banking industry from around 2017.
Although similar to traditional banks in terms of features the purpose of Neobanks is to act as an alternative option to them, challenging and changing up the way financial services are offered.
Although they may have limited offerings compared to traditional banks, it also creates fewer restrictions and allows Neobanks to provide certain advantages in what they do offer such as fewer fees and more attractive interest rates.
Neobanks are online-only banks accessible only through a mobile app or digital device.
However, they are moderately different from the ‘digital banks’ we may already be quite familiar with.
Thanks to our rapid development in technology in recent years owning a digital device such as a laptop or smartphone have become a basic necessity for the average person.
The rise of availability and ownership of these devices coupled with people’s need for convenient access to financial services are what enable Neobanks with the ability to strive in today's society.
This is especially apparent during the COVID-19 pandemic that we are still currently facing as people more than ever are seeking flexible, online banking during these unprecedented, trying times.
Neobanks generally include the following services:
- Checking and savings accounts
- Payment and money transfer services
- Financial education tools, including budgeting help
Although these may be basic banking features they are very suitable for most people’s needs.
List of 213 Neobanks Worldwide
Here's a list of Neobanks all over the world that are either accredited banking institutions in their local regions or providing a service equal to that of their local bank counterparts.
Looking for Neobank for your business? Consider opening a multi-currency business account with Statrys today and get an account in less than 48 hours.
Region: North America |
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| NeoBank | Website | Head Office Location | Payment Method | Who is this for? (Target Market) | Personal/Business | Features (As stated on their website) |
| Arrival | https://arivalbank.com/ | United States | Debit card | Startups, Freelancers, crypto or block-chain related businessess, expats etc. (Rejects from traditional banks) | Business | Accounting software, Account management, Online marketplace/Lending platform, Invoicing and Factoring (All Coming soon) |
| Aslo | https://www.azlo.com/ | United States | Debit card | Businesses | Business | Instant transfers, Invoicing, Bill payment system, Envelope budgeting, Accountant access (pro version) |
| Acorns | https://www.acorns.com/ | United States | Debit card | All. Adults, Children, Investors. | Personal | Job searching from the app, Earn money when you shop, Retirement account |
| Aspiration | https://www.aspiration.com/ | United States | Debit card | Environmentalists | Personal | Plants a tree as you shop, 100% fossil fuel free profesionally managed funds |
| Bambu | https://mybambu.com/us/ | United States | Debit card | US & Latin American Residents | Personal | No SSN Required, Free VISA card |
| Bank Mobile | https://www.bankmobile.com/ | United States | Debit/Credit card | All. Students (Bank Mobile Students Refi) | Personal | Student Loan refinancing, Chekcing accounts, Personal loans |
| Bella | https://www.bellaloves.me/ | United States | Debit card | People who are seeking a more peaceful banking environment | Personal | Random rewards from spending (5-200% cashback when using debit), Themed around love, empathy, kindness. |
| Betterbank (Early Access) | https://betterbank.app/ | United States | Debit card | N/A | N/A | N/A |
| Betterment | https://www.betterment.com/ | United States | Debit card | All | Personal | Robo-Advisor - Technology management and guidance. Cash reserves feature, investment aid, retirement plan |
| Branch | https://www.branchapp.com/ | United States | Debit card | Employees (Issued by employers) | Personal | Earned wage access (Instant Pay) |
| Bridge Money | https://www.bridgemoney.co/ | United States | Debit card | All | Personal | Feeless, No credit check required |
| Capway (Waitlist) | https://www.capway.co/ | United States | Debit card | N/A | Personal | Save and set money goals, FDIC insured |
| Cheese (Waitlist) | https://www.earncheese.com/ | United States | Debit card | N/A | Personal | Zero fee, Cashback debit card, FDIC insured |
| Chime | https://www.chime.com/ | United States | Debit card | Americans | Personal | Early paycheck with direct deposit, built in automatic savings |
| Cogni | https://getcogni.com/ | United States | Debit card, Single use cards | All Individuals | Personal | FDIC Insurance, Single use cards. Feeless 55,000 atms, 256bit encription |
| Copper | https://www.getcopper.com/ | United States | Debit card | Teens (and their parents) | Personal | FDIC insured, encription, education on spending/saving |
| Credit Sesame | https://www.creditsesame.com/sesamecash/ | United States | Debit card | People who want to manage money and credit | Personal | Early paycheck, Cash rewards for improving credit score, Cashback offers |
| Current | https://current.com/ | United States | Debit card | Teens to Working age | Personal | Early paycheck with direct deposit. 55,000 atm feeless, gas hold refunds, savings pods |
| Dave | https://dave.com/ | United States | Debit card | All Individuals | Personal | Up to $100 advances without fees, early paycheck, credit building opportunities. |
| Daylight | https://joindaylight.com/ | United States | Debit card | LTGBQ+ | Personal | Balance analytics, Personalized savings goals, Automated savings |
| Douugh | https://douugh.com/ | United States | Debit card | People who want to save/manage money better | Personal | Bill management 'Jar' separate from checking account. Week/Monthly Reports. |
| Empower | https://empower.me/ | United States | Debit card | Aimed at Millenials | Personal | Cash advance, expenditure tracking, Invest checking |
| Envel | https://www.envel.ai/ | United States | Debit card | AI consumer bank seekers | Personal | Organize money into envelopes, AI tech optimisation. Applepay integration. |
| Extra (Launching Winter 2020) | https://extra.app/ | United States | Debit card | Solution to credit card dept | Personal | Earn reward points with debit card, build credit history. |
| Finch Money | https://finchmoney.com/ | United States | Debit card | Investors. Only available for iOS users currently. . | Personal | Automatic investments, Investment recommendations. Investing and checking in one. |
| Gobank | https://www.gobank.com/ | United States | Debit card | All Individuals | Personal | Free ATM network, Deposit cash nationwide, Pay bills online. Advises on purchases (Within budget?). Set up a budget. |
| Good Money (Waitlist) | https://goodmoney.com/ | United States | Debit card | Ecofriendly individuals | Personal | Supporting protection of rainforests, animals. |
| Greenlight | https://www.greenlightcard.com/ | United States | Debit card | Teens (Their parents), Busy families | Personal | Easily provide your children with funds, automatic allowances, notifications for parents |
| Greenwood | https://bankgreenwood.com/ | United States | Debit card | Black and Latinx, Small business. | Personal/Business | FDIC insured, Donation to charity via roudups, $10,000 every month to black/latinx small businesses. |
| Happy Money | https://happymoney.com/ | United States | Debit card | Solution to credit card dept | Personal | Sustainable partnership, installment loans to hep against credit card debt, Scoring and risk assesment. |
| HMBradley | https://www.hmbradley.com/ | United States | Debit/Credit card | Big savers | Personal | Earn up to 3% APY depending on your saving, see spending habits, better saving = better intrest rates. |
| Ivella (Waitlist) | https://www.ivella.co/ | United States | Debit card | Couples | Personal | FDIC Insured, Financial management for couples (Ratio, Saving, Spending, Joint balance in seperate accounts) |
| Koho | https://www.koho.ca/ | Canada | Debit card | All Individuals | Personal | Early payroll, 1.2% intrest on balance, cashback on all purchases, automate savings (Roundups & Goals), variety of debit card types (Joint, Metal, Premium) |
| Letter | https://letter.co/ (Early access/Waitlist) | United States | Debit card | High Net Worth individuals | Personal | Customizable debit cards, auto donate to charity (partnership), investment opportunities, NFC within card. |
| Level | https://levelbank.com/ | United States | Debit card | All Individuals | Personal | 1.5% cashback on purchases, free cash advance ($500 no intrest), scheduled transfers, instant lock card through app, early packcheck, no overdraft fees. |
| Linus | https://www.getlinus.io/ | United States | Debit card | Cyptocurrency users | Personal | Up to 4.5% APY, no charge for withdrawals, uses digital assets called stablecoins. |
| Long Game | https://www.longgame.co/ | United States | Debit card | Casual, Consumer friendly, Mini-game like (Gamified) | Personal | Personalised interface, Rewards based savings. |
| Lucky Card (Reserve card) | https://getluckycard.com/ | United States | Debit card | Casual Individuals (Website is not extensive) | Personal | Chance to win $5-$1000 when using the debit card. Specific rules are stated here: https://www.notion.so/Official-Rules-840893dd337742dda7aa0c6936998010 |
| M1 Finance | https://www.m1finance.com/ | United States | Debit card | Investors | Personal | Automate finances, intelligent financial tools, smart money management. FDIC insured. |
| Mercury | https://mercury.com/ | United States | Debit card | Tech companies | Business | API access, Team management, automate cash management, company analytics, no service charges. |
| Majority | https://www.majority.com/en/ | United States | Debit card | Migrants | No transfer fees, FDIC insured, Free international calls (24 countries) | |
| Marygold & Co. | https://marygoldandco.com/ (Waitlist) | United States | Debit card | United States residents | Personal | FDIC Insured, Earn Intrest though savings account, Early paycheck with direct deposit |
| Meed Banking Club (Becoming Tend) | https://meedbankingclub.com/ | United States | Debit card | N/A | N/A | Becoming Tend (https://tend.money/) |
| MoneyLion (Website not accesible) | https://www.moneylion.com/ | United States | Debit card | N/A | N/A | N/A |
| Monzo (Waitlist) | https://monzo.com/usa/ | UK | Debit card | All, teens to adults | Personal | FDIC Insured, Can allocate money into 'pots' seperate from main balance to manage spending. Can freeze card from app. |
| N26 | https://n26.com/en-us | Germany | Debit card | All Individuals | Personal | Debit card perks (partner discounts, cashback on subsciptions) |
| North Loop | https://www.nolobank.com/ | United States | Debit card | All individuals and businesses | Personal/Business | $50 on first deposit of $1000, Checking accounts, NRE/NRO accounts, Instant global remittances, loans guaranteed, retirement planning, advisory. |
| Novo | https://banknovo.com/ | United States | Debit card | Small business owners, entrepreneurs, and freelancers. | Business | Free transfers, mailed checks, and incoming wires, Can connect to pther services (stripe, slack, shopify etc.) Debit card accepted worldwide. |
| Neo Fiancial | https://www.neofinancial.com/ | Canada | Credit card | Canadians | Personal | Cash rewards when using the credit card. Savings at 1.55% intrest. Set spending limits and freeze card from the app. |
| One Finance | https://www.onefinance.com/ | United States | Debit card | Individuals focused on better financial management | Personal | Early paycheck, manage finance and build savings. 3% APY with card Auto-save, FDIC insured. |
| onJuno | http://onjuno.com/ | United States | Debit card | Everyone | Personal | Checking account (2.15% savings on deposits) 5% cashback on 5 brands of your choice. |
| Oxygen | https://oxygen.us/ | United States | Debit card | Entrepreneurs, Free thinkers (personal), Pioneers (business) | Personal/Business | Early Paycheck, cashback, no monthly fees, easy deposits, flag expenses, app controls and alerts. |
| Passbook by Remitly (Limited Access) | https://www.passbook.app/ | United States | Debit card | Multinationals | Personal | Cashback on international transfers, customisable flag on debit card, no foreign transaction fees |
| Pinch | https://pinchbank.com/ (Waitlist) | United States | Debit card | Creators, Gamers, Streamers | Personal | If creator's fans use pinch the creator with start earning revenue from their card swipes. The fans will also recieve points if they have a Sub account. |
| Point (Limited Access) | https://point.app/ | United States | Debit card | All Individuals | Personal | Protection against credit card debts. Offers rewards (bonus cashback on netflix, spotify and more). Integrated insurance (phone, purchase, trip, car rental). Various bonuses with membership. |
| Purple | https://www.bankpurple.com/ | United States | Debit card | People with special needs | Personal | Track spending freeze card from the app. Every swipe will contribute to the Special olympics. Recieve SSI and SSDI. |
| Qapital | https://www.qapital.com/ | United States | Debit card | Budding investors, individuals who want to improve their savings | Personal | Integrated goals and rules with smart saving, pre-built portfolios for investors, divide up significat deposits with 'payday divvy'. Money mission challenges. |
| Qube Money | https://qubemoney.io/ | United States | Debit card | Families with children (Joint and child account) | Personal | Real-time financial awareness, Joint banking, cash envelopes, child bank account. |
| Revolut (Coming to US soon) | https://www.revolut.com/en-US | UK | Debit card | Individuals and Businesses | Personal/Business | Multicurrency account, Real exchange rate, early paycheck through direct deposits. Anti-fraud system, spending analytics, savings and personal vaults, daily discounts and cashback. |
| Robinhood (Limited Access) | https://robinhood.com/us/en/ | United States | Debit card | Investing for Everyone | Personal | Commions free investing, built to make investing more intuative, affordable and fun regardless of experience. |
| Sable | https://sablecard.com/ | United States | Debit card | Everyone (Global bank account), Targeted slightly at U.S citizens | Personal | FDIC Insured, No social security number needed, can build up your U.S credit rating, free international transfers |
| Save | https://www.joinsave.com/ (Reserve account) | United States | Debit card | Investors | Personal | 100% insured initial deposit, Average returns of 3.12% for the debit invest card into diversed potfolios. |
| Simple | https://www.simple.com/ | United States | Debit card | Individuals looking for a simple neobank | Personal | Automatically manages expenses and goals, spend with certainty by using the budgeting tool. Set up reoccuring expenses in the app. |
| SoFi | https://www.sofi.com/ (SoFi Money) | United States | Debit card | Everyone | Personal | Several products catered towards your specific needs. 55,000 fee-free atms, set up direct or recurring deposits, earn cashback rewards, joint accounts. |
| Stash | https://www.stashinvest.com/ | United States | Debit card | Individual interested in investing, planning their future | Personal | Investment centered, fractional shares, stock back card (get stock when using the card), 3 Investment plans, retirement/fammily planning. |
| Stack | https://www.getstack.ca/ | Canada | Debit card | Targeted at travelers | Personal | Instant cash-back at over 140 retailers, no foreign exchange fees, no atm withdrawal fees. Track spending with financial IQ feature. Auto savings, split bill/tab instantly within app. |
| Step (Limited Access) | https://step.com/ | United States | Debit card | Teens | Personal | No fees or intrest, FDIC Insured, track and manage using the application, send and recieve money instantly. |
| Stilt | https://www.stilt.com/ | United States | Debit card | Immigrants and the underserved (loans) | Personal | No SSN Required, No cosigner required. Low intrest rates and no repayment fees. Centered around giving loans. |
| Tangerine | https://www.tangerine.ca/en | Canada | Debit/Credit card | Canadian Residents | Personal | Real time monitoring of transactions, Investment and borrowing tools, cash-back credit card. |
| Transferwise | https://transferwise.com/us | United States | Debit card | Everyone (Globally), also has business account option | Personal/Business | They use the real exchange rates, global support. Easy and effortless to use, multi-currency accounts. Free registration. |
| Unifimoney | https://www.unifi.money/ | United States | Debit/Credit card | High Net Worth individuals | Personal | High-yield checking account, investment application. Effortlessly maximise returns on assets. FDIC insured up to $750,000. |
| Varo | https://www.varomoney.com/ | United States | Debit card | Everyone | Personal | Early paycheck, No fees. Automatic savings tool with savings account, earn intrest woth high APY. FDIC insured. |
| Wealthfront | https://www.wealthfront.com/ | United States | Debit card | Robo-Advisor seekers. People looking for an automated technology driven banking service. | Personal | Use technology to optimize finances across spending, savings and investments. Automate investments. Borrow quickly and easily at low rates. |
| Yotta Savings | https://www.withyotta.com/ | United States | App | All individuals looking for chance to win cash, prize oriented. | Personal | Chance to win $10million every week (users have won over $500,000 already) by depositing .100% free. |
| Zeta | https://www.askzeta.com/jointaccount | United States | Joint debit card | Couples (Joint account) | Personal | Simple funding and management via joint accounts. Reminders for reccuring bills. Mobile check deposit, digital checks. FDIC insured $500,000. |
| Zero | https://zero.app/ | United States | Credit card | Individuals seeking a debit-style experience from a cash back credit card. | Personal | Debit-style experience with cash back credit card. Amount of cashback depends on which card you have (1-3%). Zero fees that banks usually charge. |
| Zoro Card | https://zorocard.com/ (Early access) | United States | Debit card | Individuals wanting to build their credit with a debit card | Personal | Build credit with a debit card when making purchases and paying bills. Start building a financial future. |
Region: South America |
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| Agibank | https://agibank.com.br/home | Brazil | Debit card | Brazilian Customers | Personal | Loan fast and easily without bureaucracy. Has physical branches as well. Payment via QR code. No costs for account registration. |
| Albo | https://www.albo.mx/ | Mexico | Debit card | Mexican Customers/Residents | Personal/Business | Free debit card. No fees for minimm balances, intermediary bank charges and monthly payments. Pay utilities within the app. |
| B89 | https://www.b89.io/ | Peru | Debit card | N/A | N/A | N/A |
| Banco inter | https://www.bancointer.com.br/ | Brazil | Credit card | Brazilian Customers | Personal | 100% Free account. Digital check deposits , investments through the application. |
| Banco Pan | https://www.bancopan.com.br/ | Brazil | Debit card | N/A | N/A | N/A |
| Broxel | https://broxel.com/ | Mexico | Debit card | Spanish speaking customers (Website only in spanish), Family plan offered. | Personal | QR code transfers, register any card (debit or credit) from the app. Control of card settings within the app. Optional family plan (cards for children) |
| Brubank | https://www.brubank.com/ | Argentina | Debit card | Southern American based | Personal | Security (biometrics, two-factor authentication, one device at a time), immediate transfers, organise and understand expenses. No costs. |
| C6 bank | https://www.c6bank.com.br/ | Brazil | Debit/Credit card | Portugese speaking customers (Website only in portugese) | Personal/Business | Free withdrawals and transfers, 23/7 service. Many different products, investment platform/application. Exclusive bonuses and benefits of being a customer. |
| Cuenca | https://cuenca.com/ | Mexico | Debit card | Mexican nationals (Mexican passport needed to apply) | Personal | Make transfers electronically 24/7, pay rent/utilities/online shopping etc.Open account in lesss than 5minutes.Virtual and physical card. Free transfers to other cuenca banks. |
| Enso | https://www.joinenso.com/ | Mexico | Debit card | Mexican, spanish speaking customers (Website is only in Spanish) | Personal | Send money to friends with just their phone number. Instant and feeless transfers. No need for CLABE, account or card number, contacts act as accounts to transfer funds. |
| Evva | https://evvafinanzas.com/ | Mexico | Debit card (Coming soon) | Mexican residents (Freelancer, small/medium business) | Business | Mastercard coming soon exclusively to handle business expenses. Business financing with uniclick by unfin. |
| Fink | https://miflink.com/ | Mexico | Debit card | Everyone, inteded to make investments more accessible | Personal | Investment centered (access to invest in fraction of shares) commisionless. Catogarize spending and set monthly budgets from the app. Pay utilities/services. |
| Fondeadora | https://fondeadora.com/ | Mexico | Debit card | Mexican residents/speakers | Personal | Zero bueaucracy. Card has no commission, opening and minimum balance fees. Immediate transfers 24/7. |
| Hey Banco | https://www.heybanco.com/index | Mexico | Credit card | Freelancers and entrepreneurs. Focus on savings and inverstment. | Personal | Money coach tool provides a spending plan to save money. Automatic returns via savings account and credit card. |
| Klar | https://www.klar.mx/ | Mexico | Debit card | Mexicans | Personal | No commissions charged, rewards for using the card (cash not points). Fast, flexible and transparent credit. |
| Ligo | https://ligo.pe/ | Peru | Debit card | Peru citizens | Personal | Withdraw paypal balance from Ligo. No hidden charges or maintenance charges. Discounts and promitions via the app. Payment with QR. |
| Mach | https://www.somosmach.com/ | Chile | Debit card | Spanish speaking customers (Website only in spanish). Individuals and businesses (machpay) | Personal/Business | Exclusive benefits for mach users including discounts in shops, chances to win cash when paying with mach or using the mach coupon when making purchases. |
| Meu pag! | https://www.meupag.com.br/ | Brazil | Debit card | N/A | N/A | N/A |
| Nelo | https://www.nelo.mx/ | Mexico | Virtual debit card | Spanish speaking individuals, based in mexico. | Personal | Top-ups and service payments. Instant transfers. Possibility to request loans up to $10,000. Whatsapp customer service. |
| Neon | https://neon.com.br/ | Brazil | Debit/Credit card | Portugese speaking customers (Website only in portugese) | Personal | Free service with instant transfers. No annual fee on credit card. Debit card also an option.Sumplified investing and saving. Loans possible. |
| Nequi | https://www.nequi.com.co/ | Colombia | Debit card | Based in Colombia. Aimed at south american or mexican residents. | Personal | Can recieve solidarity income. Pay Lanbal and Leonisa bills (catalog sellers). QR code payments. Set automatic savings goals. Top up cellphone, playstation, xbox. |
| Next | https://next.me/ | Brazil | Credit card | Targeted at Brazilian customers | Personal | Free and unlimited transfers to all banks. Free and unlimited withdrawals at Bradesco and Banco24Horas ATMs. Exclusive benefits such as discounts and free subsciption to services.Cashback on partner sites. Investment options and loans. |
| NuBank | https://nubank.com.br/ | Brazil | Debit card | Targeted at Brazilian customers | Personal | Free and unlimited transfers. International mastercard for free. Only fee is for withdrawals. |
| Original | https://www.original.com.br/ | Brazil | Credit card | All individual/entrepreneurs in Brazil. Company account is also an option. | Personal/Business | Luck/Lottery based Neobank. Transaction made/recieved generates Pix. More Pix = More chances of winning (R $ 50,000.00). |
| Oyster | https://oyster.io/ | Mexico | Debit card | Spanish speaking individuals, based in mexico. | Personal | 24/7 transfers. Schedule recurring payments and control expenses. Accounts can have multiple users.Organize transactions and set saving goals. |
| RappiPay | https://www.rappipay.mx/ | Mexico | Debit card | Accepted worldwide. Mainly targets mexican customers as website is in spanish | Personal | Pay for utilities all from your mobile phone. Send and recieve payments in 1 minute. Check transaction in real time. Up to 3% cashback for credit card, no annuity, various benefits. |
| Rebanking | https://reba.com.ar/ | Argentina | Debit card | Targeted at countries that use Pesos as their currency | Personal | Can choose colour of debit card. Earn intrest for having pesos in the account. Can exchange currency to dollars. Regulated by banco central of Argentina. |
| Superdigital | https://superdigital.com.br/ | Brazil | Debit card | Brazilian Customers | Personal | 1 physical card and up to 5 virtual cards. Free as well as subsciption option. |
| Swap | https://swap.mx/ | Mexico | Debit card | Benefits for transfering to CLABE accounts (Mexico) | Personal | 24/7 transfers. Data encription and protected financial data. Fingerprint authetification optional. Can send to CLABE card or account without registration. Send money from whatsapp. |
| Uala | https://www.uala.com.ar/ | Argentina | Debit card | Users in Argentina | Personal | Send money free and on the spot to any other accounts. Pay bills, utilities from the app. 100% online service. |
| Wilobank | https://www.wilobank.com/ | Argentina | Debit card | Users in Argentina | Personal | Easy, fast and simple. Both debit and credit card offered. Fixed term investing.Wilobank offers wide range of promotions and dicounts when using the debit card. |
Region: Africa and Middle East |
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| Bettr | https://www.bettr.app/ (Early Access) | South Africa | Debit card | Teens/Youth | Personal | Can sign up via whats app. Zero monthly fees. Monitor spendings and grow savings. |
| Dopay | http://www.dopay.com/en/ | Egypt | Debit card | Businesses Owners, employers. | Business | Pay employees/contractors electronically. Simple, secure and fast. Issue visa cards to employees/contractors. Lowers risk and save time for companies.Helps to manage businesses. |
| Hala | https://hala.com/ | Saudi Arabia | Debit card | Customers based in UAE or Saudi Arabia | Personal | Can link account to debit/credit cards. Send transactions easily and for free using their mobile number. Pay and redeem from the hala store. |
| Ila | https://ilabank.com/ | Bahrain | Debit card | All individuals | Personal | Instand payments and transfers. Access statements and balance from anywhere. Earn tiered intrest (save more, earn more). Full control from the app. Link foreign currency accounts to app. |
| Kuda | https://kudabank.com/ | Nigeria | Debit card | All individuals | Personal | Free withdrawals, no maintenance (card&account) fees. Free atm withdrawals at partner banks. Liscenced by Central Bank of Nigeria. Up to 15% intrest yearly. Smart budgets to plan/track spending. |
| Meem | https://sa.meem.com/ | Saudi Arabia | Debit/Credit card | Saudi Arabia and Bahrain residents | Personal | 3 accounts in 1 (Multi currency, Savings and Current). Debit and credit card offered. Personal finance features.Smart budgeting and savings tools. Control over bills and payments. Automatic sweep for compliant returns. |
| Pepper | https://www.pepper.co.il/en/products/pepper-banking/ | Israel | Debit card | 16-18 year olds (Youth account) and all israeli individuals for regular account. Website and app is in Hebrew. | Personal | Accounts offered for adults and teens.International credit card.Benefits and discounts from using and purchasing the pepper card. |
| Xpence | https://www.xpence.co/ (Waitlist) | Dubai | Debit card | Freelancers, entrepreneurs, founders, startups, SMEs | Personal | Auto bookkeeping (categorizes transactions). Ability to attach invoice or reciepts to transactions. Visa debit cards can be issued to you and employees. Create invoices through the app. Instant and free transfers between xpence users. |
Region: Asia - Pacific |
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| 86400 | https://www.86400.com.au/ | Australia | Debit card | All Individuals | Personal | No fee for banking. Automatic prediction for bills and subscriptions.Great intrest rates. Compatible with smart watches. Rates starting from 2.15% p.a. |
| Airstar Bank | https://www.airstarbank.com/en-hk/ | Hong Kong | Debit card | Asian Based individuals (who use HKD/USD/CNY) | Personal | Customers can enjoy 3.6% p.a. for the first HKD20,000 deposits amount. 6 Month intrest rate protection.24/7 FPS instant transfers. HKD/USD/CNY account available. |
| Aspire | https://sg.aspireapp.com/ | Singapore | Debit card | Businesses (SMEs, Startups, Eccomerces, Freelancers) | Business | Easy, fast and transparent. Used by 10,000 businesses and startups.Hourly syncs with Xero. Scheduled and bulk payments, auto-spend categorisation. Team member permission levels.Available on desktop as well. |
| BigPay | https://www.bigpayme.com/ | Malasia | Debit card | All Individuals | Personal | International remittance service. Tracks spending and topups. Card can be used overseas. Simple and easy to use.BigPay analytics help track/categorise spending all on one screen. |
| Digibank by DBS | https://www.dbs.com/digibank/about-digibank.html | Indonesia/India | Debit card | Individauls familiar with DBS services but want them mobile | Personal | Virtual assistant. Spending tracker. Can use fingerprint to open the account. Installment conversion. Ability to manage credit cards and exchange reward points. |
| Douugh | https://douugh.com/ | Australia | Debit card | All individuals. Focus on saving and money management. | Personal | Dedicated bills jar for spending on utility bills and subscriptions.Weekly and monthly reports.Automate money management. |
| Hay | https://www.hellohay.co/ | Australia | Debit card | Travellers | Personal | Travel budgeting, feeless, Visualised data. Great exchange rates online and abroad with 0 fees.1% cashback for purchases under $10. |
| InstantPay | https://www.instantpay.in/ | India | Debit card | Targeted at Indian customers | Personal/Business | 1% unlimited cashback for online spending. Set spending limits and pause/resume transacitons from app. Buy digital gold or invest in bank deposits. Powerful and secure API's. |
| Jenius | https://www.jenius.com/en/ | Indonesia | Debit card | All Individuals | Personal/Business | 4% p.a. intrest rate. Shop with virtual debit card online. Emergency fund ready at anytime. Manage 10 e-wallets with flexible topups. |
| Jibun Bank | https://www.jibunbank.co.jp/ | Japan | Debit card | Japanese Residents | Personal | Currency deposits (Yen/foreign), FX, Robo advisor, Loans. |
| K Bank | https://www.kbanknow.com/ib20/mnu/PBKMAN000000 | South Korea | Debit card | Korean Citizens | Personal/Business | Insurance, Loans, Deposits & Installments |
| Kakao Bank | https://www.kakaobank.com/ | South Korea | Debit card | Korean Citizens | Personal | Overseas remittance, Deposits & Installments, Loans. |
| Kyash | https://kyash.co/ | Japan | Debit card | Japnanese Citizens | Personal | Pay with apple and google pay. Select from 3 different debit cards all with differing features and benefits. |
| Livi Bank | https://www.livibank.com/en/ | Hong Kong | Debit card | All Individuals | Personal | Point earning system. No fees or minimum deposit. Can choose fingerprint or face recognition to login. |
| Mox by Standard Chartered | https://mox.com/ | Hong Kong | Debit card | All Individuals | Personal | Smart banking + Saving |
| MYBank | https://www.mybank.cn/ | China | Debit card | Chinese Citizens (Website in Chinese only) | Personal | Safe and secure. Real time large purchase and redemption. Face recognition technology. |
| Neat | https://www.neatcommerce.com/ | Hong Kong | Debit card | Businesses, Entrepreneurs | Business | 1% cashback when usnig the debit card. Fast, easy and cost effective transfers to local and international banks. |
| NiYo | https://www.goniyo.com/ | India | Debit card | Indian Residents | Personal | Up to 7% intrest p.a on savings account. Free debit card. No ATM transaction fees. Build mutual fund portfolio. International investments. 0% forex markup. |
| Open | https://www.bankopen.com/ | India | Debit card | Indian Residents | Personal | N/A |
| PEObank | https://www.paob.com.hk/en/ | Hong Kong | Debit card | SME's, Businesses | Personal/Business | Investment Banking, Asset management |
| Sony Bank | https://moneykit.net/en/ | Japan | Debit card | Japan Residents | Personal | Foreign currency accounts (12) and remittance. |
| Timo | https://timo.vn/en/ | Vietnam | Debit/Credit card | Vietnam Residents | Personal | Member privileges, Investment |
| TMRW by UOB | https://www.tmrwbyuob.com/th/th.html | Thailand | Debit/Credit card | Thai, Indonedian Residents | Personal | Up to 3% cashback when using the credit card. Insight cards provides advice depending on your spending patterns. In app rewards program for saving. |
| Tonik (Launching Soon) | https://tonikbank.com/ (Launching soon) | Philippines | Debit card | Filipinos | Personal | N/A |
| Tyro Payments | https://www.tyro.com/ | Australia | Debit card | Ecommerce businesses. | Personal/Business | Flexible funding, full xero integration. Ecommerce payment solutions. |
| Up | https://up.com.au/ | Australia | Debit card | Individuals with a focus on saving. | Personal | Savings goals, Feeless overseas payment. No monthly fees.Earn up to 1.10% per annum. Auto spend categorisatio and tracking. |
| Volt Bank (Beta) | https://www.voltbank.com.au/ (Beta) | Australia | Debit card | All. Simplicity and saving focus. | Personal | 1% p.a intrest rate. Transparent rates and fees.Savings challenges to help you build a healthy saving habit. |
| Walrus | https://walrus.club/ | India | Debit card | Teens (Gen Z) | Personal | Rewarding System |
| We Bank | https://www.webank.com/#/home | China | Debit card | SMEs | Personal/Business | SME loans. Focus on integration of technology in banking (AI, Blockchain, Cloud computing etc) |
| WeLab Bank | https://www.welab.bank/en/ | Hong Kong | Debit card | All individuals | Personal | Socially-Driven time deposit. Zero withdrawal fees. More joiners = higher rates for all. 5% cash rebate when using the debit card (FRI-SUN). |
| Yono by SBI | https://www.sbiyono.sbi/index.html | India | Credit card | Individuals focused on investment and loan offerings | Personal | Financial security and insurance. Grow your funds with investment products (Mutual funds and securities). Loans (Car, home, education) |
| YouTrip | https://www.you.co/sg/ | Singapore | Debit card | Singaporean debit/credit holders. | Personal | Multicurrency travel wallet (Pay with no fees). 24/7 transactions and 3min registration time. In app exchanges for 10 currencies. |
| ZA Bank | https://bank.za.group/en/ | Hong Kong | Debit card | Individuals and Businesses based in HK/Asia | Personal/Business | Personalised debit card number, up to 11% rebate upon purchase. No annual/intrest/late fees.Loans up to 1m HKD, Guaranteed 0.07% monthly flat rate for a loan of HKD200,000 or above, APR as low as 1.45%. |
Region: Europe |
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| 220 Bank | https://www.220bank.com/ (Waitlist) | United Kingdom | Debit card | Entrepreneurs, influencers, innovators and investors | Personal | Metal debit card. Sense of sophistication and exclusivity from website. |
| Alpain | https://www.alpian.com/ | Switzerland | Debit card | Individuals who want to build their wealth | Personal | Personal wealth management offering, and tailored investment products |
| Anytime | https://www.anyti.me/fr/ | France | Debit card | Individuals or Business owners in Europe | Business | Provides you with local french or belgian IBAN. Professional and personal account offered. No transaction fees.Make transactions in europe in over 33 currencies.Tresury advance. Client direct debit. |
| Aoin | https://www.aion.be/en | Belgium | Debit card | European businesses/individuals | Personal/Business | Borrow with low intrest loans. 100% digital and transparent. Earn on high intrest savings accounts. No hidden fees. Easy, automated investing and money savings tools. |
| Atom Bank | https://www.atombank.co.uk/ | United Kingdom | Debit card | Individuals looking for mortgage services. | Personal | Fixed term savings of 0.60% AER. Fast, straightforward mortgages.Business loans. |
| Bitwala | https://www.bitwala.com/bank-account/ | Germany | Debit card | Customers into crypto trading | Personal | Fee-free (no maintenance, monthly fees or minumum balance). Free debit card. Crypto currency trading and banking in one app. |
| Bnext | https://bnext.es/ | Spain | Debit card | Spanish residents and speakers | Personal | No commissions. Request money from friends.Rewards program. Control expenses and manage money 100% online. |
| BuddyBank | https://www.buddybank.com/ | Italy | Debit card | Italian speakers living in the SEPA zone. | Personal | Free transfers in the SEPA zone. 24/7 service banking services.Pay for utility services.Request/charge TELEPASS.Pay with apple and google pay. |
| Bunq | https://www.bunq.com/ | Netherlands | Debit card | All individuals (Europe). Also option for business accounts. | Personal/Business | 3 accounts options (easyMoney, easyGreen and easyTravel). Pay with google and apple pay. Request refund for failed card payments. Batch payments option. Instant payments. No extra fx charge. Travel assistant and bunq deals. |
| Coconut | https://getcoconut.com/ | United Kingdom | Debit card | Freelancers, Self employees, SMEs | Business | Connect existing bank accounts. Categorises business expenses. Create and send invoices. Sort taxes through the app.Helps to work with your accountant. |
| Countingup | https://countingup.com/ | United Kingdom | Debit card | Small businesses | Business | Automates accounting (bookkeeping and invoice matching), saves time to focus on building businesses.Seamless contact with accountant. Invoicing on the go. Business freindly pricing. |
| CSX by Credit Suisse | https://csx.credit-suisse.com/en/account-card/csx.html | Switzerland | Debit card | All individuals | Personal | Uncomplicated and transparent, quick and safe. Real people client service.Account and card starting for free. No transaction fees worldwide. 20% off streaming packages. |
| Curve | https://www.curve.com/ | United Kingdom | Debit card | All individuals | Personal | Can connect all your credit and debit cards to modernise your banking. Works with apple, google and samsung pay.Great exchange rate when travelling and cashback from favorite brands. |
| Dozens | https://www.dozens.com/ | United Kingdom | Debit card | All individuals | Personal | Free UK current account, debit card and delivery. No fees when using and withdrawing abroad. Direct debits.Automatic savings and budgeting tools. |
| EasyEuro | https://www.easyeuro.eu/ | France | Debit card | European and Asian business communities. | Personal | Multi-currency account, access to great exchange rates. Trasfer funds through local settlement networks. Bulk payment option. Issuing debit card and IBAN.Integrations with WeChat pay and AliPay. |
| Fidor Bank | https://www.fidor.de/en/ | Germany | Debit card | Busineses or Individuals based in Germany | Personal/Business | Direct link with bitcoin.de. Fidor installment loans. Deposit and withdraw at 12,000 stores germany wide. |
| Fire | https://www.fire.com/ | Ireland | Debit card | Employers/Business owners | Business | Automate payment processes. Faster, more cost effective and secure payments.API services. Dual currency account (EUR and GBP). |
| Gimi | https://www.gimitheapp.com/en | Sweden | Debit card | Teens and children. | Personal | Track all activity within app.Subsccription based service. Schedule pocket money. Helps families manage their childrens allowance. |
| Go Henry | https://www.gohenry.com/uk/ | United Kingdom | Debit card | Teens and children. | Personal | Teach healthly spending habits. Pay pocket money. Helps kids learn money skills and introduces them to spending and saving real money. |
| Hello bank! | https://www.hellobank.fr/ | France | Debit card | French citizens | Personal | Payments are free of charge abroad (your withdrawals also with the Hello Prime offer). Project funding. Financial investment and insurance services. |
| Holvi | https://www.holvi.com/ | Finland | Debit card | Self employees, freelancers. | Personal | Invoices, expenses and tax preparations – all in one account. Create, send, track and store reports with professional invoices. Automate everyday bookkeeping tasks. |
| Hype | https://www.hype.it/ | Italy | Debit card | Individual living in Eurozone. Bitcoin traders. | Personal | Cashback up to 10% on online purchases. Free transfers. Free withdrawas and payments in euros. Can buy, trade and sell bitcoin |
| ImaginBank | https://www.imagin.com/ | Spain | Debit card | Spanish citizens. 'ImaginTeens' account also an option for teens under 18. | Personal | No fees or paperwork. Savings, investing and finance all in one from the app. |
| Indo | https://indo.is/ (Early Access) | Iceland | Debit card | All Individuals. Aim for simplicity, safety and transparency. | Personal | No annual fees or minimum deposit. Travel partner (cheaper payments abroad). 100% safe deposits (Central Bank of Iceland). Simple not complex. Only fees are for transfers. |
| Kard | https://www.kard.eu/ | France | Debit card | Teens, Parents, families (French) | Personal | Protected funds up to 100,000EUR. No overdraft possible. Teaches children to be independant and manage their own money. Dedicated parent interface. Schedule pocket money distribution. |
| Knab | https://www.knab.nl/ | Netherlands | Debit card | Freelancers, Self employees in the Netherlands | Personal/Business | Private and business account options. 1,000 free transactions annually. 50EUR gift for switching from traditional bank. Link with accounting programs. Helps with business insurance. |
| Kontist | https://kontist.com/ | Germany | Debit card | Freelancers, Self employees in Germany | Personal | Automated real-time bookkeeping. Seamlessly integrated tax service. Recieve 9EUR per month, automated liquidity analysis, separates business from personal finances. Real time tax forecasting. Accounting synchronisation. |
| Lintel | https://www.lintelbank.com/ | United Kingdom | Debit card | International students and professionals. (Living, woking or studying in the UK) | Personal | Prebook application so when you arrive in the UK the account is approved and ready to use. Multi-currency current account and debit card. |
| Lunar | https://lunar.app/en/ | Denmark | Debit card | Customers within the Nordic region. | Personal | Free debit card and account, no hidden fees. Get overview of your spending, set budgets, instant notifications. Set savings goals from the app, automatically rounds up spending with the card. Investment services offered. Exclusive discounts. |
| Manager.one | https://www.manager.one/fr/ | France | Debit card | Professionals, entreprenuers | Personal | Fully transparent pricing with no hidden fees (one fee 29.99EUR subsciption fee). No transfer fees. Free of charge capital deposit certificate. Unlimited customizable corporate cards. Pay employees in minutes. A streamlined, ergonomic interface. |
| mBank | https://www.mbank.pl/indywidualny/ | Poland | Debit card | Individuals and Businesses based in Poland | Personal/Business | Earn up to 160PLN for opening an account. Several account options (personal, savings, foreign currency, selfie, company accounts). |
| Monese | https://monese.com/gb/en | United Kingdom | Debit card | All individuals and businesses | Personal/Business | Real time spending notifications. Account is multicurrency (EUR,GBP,RON). Transfers between monese accounts or UK faster payment networks are free. Set weekly and monthly budgets. |
| Monzo | https://monzo.com/ | United Kingdom | Debit card | UK bank account users who want convenience and features of a neobank | Personal/Business | Extensive phone and travel insurance. All ban accounts and credit cards in one place. Intrest on your money and personalized budgeting. Earn up to 0.45% (AER/Gross fixed) interest on your savings. |
| Muniy | https://muniy.com/ | United Kingdom | Debit card | Personal for everyone and Business for big and small businesses | Personal/Business | Daily discounts and cashback. Manage finaces, get instant notifications. Can set auto reminders for bills or over budget expenses. Rounds up purchases for passive income. |
| N26 | https://n26.com/en-eu | Germany | Debit card | All individuals and businesses | Personal/Business | Free ATM withdrawals in Euros, free payments and free debit card. Direct customer service hotline. Organize your finances with 10 Spaces sub-accounts. Get insights on your spending habits with Statistics. |
| Neon-free | https://www.neon-free.ch/ | Switzerland | Debit card | All individuals | Personal | Zero fees when using card worldwide, no exchange rate spread. No base fees.Two factor authentification and deposit insurance. |
| Nest Bank | https://nestbank.pl/ | Poland | Debit card | Polish citizens | Personal | Free withdrawals from Euronet ATMs in Poland. Free account maintenence and debit card issuing. Pay and withdraw for free with BLIK. |
| Nickel | https://nickel.eu/fr/ | France | Debit card | Tabacco users in France | Personal | Patnered with Tabaccosts in France. No hidden costs, no overdraft. Real time information and simple tools to manage money. |
| Nimbl | https://www.nimbl.com/ | United Kingdom | Debit card | Teens | Personal | N/A |
| OakNorth | https://www.oaknorth.co.uk/ | United Kingdom | Debit card | Individuals focused on earning intrest | Personal | Competetive rates (Fixed term savings, notice accounts and easy access accounts). Main focus is on the intrest rate and services. |
| Orange Bank | https://www.orangebank.fr/ | France | Debit card | French citizens | Personal | Full control of card block/unblock from app. Change code at anytime for card. Real time notifications and updates.Pay using apple and google pay. 3 bank account options (Standard, Premium, Premium pack) |
| Osper | https://osper.com/ | United Kingdom | Debit card | Teens/ Children | Personal | Turns pocket money into life lessons. Name embossed on prepaid debit card. Parents track spending and saving, allowance and lockign cards from app. Set up savings goals. |
| P.F.C. | https://getpfc.com/en/home/ | Sweden | Debit card | All individuals | Personal | Makes money management simple and easy. Part payments, savings goals. Share, split and settle-up expenses. Beatiful visualisation and graphics to show spending habits. |
| Penta | https://getpenta.com/en/ | Germany | Debit card | German businesses | Business | Visa debit cards for all employees. Up to 100,000EUR deposit insurance.Easy expense management with preparatory accounting. DATEV interface for tax accountant. |
| Pixpay | https://www.pixpay.fr/ | France | Debit card | Teens/Parents | Personal | 2 apps for the parent and the child. Learn how to manage budgets and spending. Instant transfers. Automatic distibution of pocket money. Allows payment with apple and google pay. Customizable security settings. |
| Pockit | https://www.pockit.com/ | United Kingdom | Debit card | All individuals | Personal | Earn up too 20GPB a month in cashback when you shop. Save up to 14GBP when paying bills. Build up your credit score.Pay people with ease in the UK and abroad. |
| Prismea | https://www.prismea.fr/ | France | Debit card | Professionals, entreprenuers, freelancers, Start-ups (French) | Business | 3 different account packages for each business size (Freelance, Start up, Entrepreneur). Expert customer service. Instant payments and credits. Real time cash flow, alaysis and alerts. |
| Qapital | https://www.qapital.com/ | Sweden | Debit card | All Individuals with emphasis on savings/money management | Personal | Goals and rules to encourage saving. Pre-built portfolios for budding investors. Spend with google and apple pay. Payday divvy to cover commitments. Money missions and fun challanges. |
| Qonto | https://qonto.com/fr | France | Debit card | Independant, SMEs, Entrepreneurs | Business | Simplifies accounting. No more expese reports. Automate finance management. Funds are secured and covered by the Deposit and Resolution Guarantee Fund. Qonto card can be added to apple wallet. |
| Personal + Business | https://www.revolut.com/ | United Kingdom | Debit card | All | Personal | No hidden fees. Ability to buy crypto currency and gold (exchanging commodities). Spending analytics to help manage your money. Junior account for kids. Money vaults to reach saving goals. |
| Rocket Bank | https://rocketbank.ru/ | Russia | Debit card | Russian self employed citizens | Personal | Automated tax payment. 3% cashback with rocketbank card. No commisions for payments (Only russian banks) |
| Rooster Money | https://roostermoney.com/ | United Kingdom | Debit card | Teens/ Children (3+) | Personal | Keep track of allowance and spending, no deposits required. Chores and intrest rates with Rooster plus. Easy for parents, fun for kids and helps build good spending/saving habits. |
| Shine | https://www.shine.fr/ | France | Debit card | Entrepreneurs, freelancers, small businesses. Based in France. | Personal/Business | Money insured by FDGR (100,000EUR). Unlimited history access. Multiple payment methods (SEPA bank cards, transfers, direct debits). Mastercard accepted everywhere and is 100% configurable. |
| Soldo | https://www.soldo.com/gb/ | Italy | Debit card | Small to Large businesses, Accountants | Personal | Spending management platform built for businesses. Live insights, control over team spending budgets. Automated accounting. Two plan options for both business sizes. |
| Starling Bank | https://www.starlingbank.com/ | United Kingdom | Debit card | All businesses and individuals based in Europe | Personal/Business | Personal, joint, euro and business banking all in one. Get spending insights, work towards saving goals, split the bill, earn interest, control your overdraft with a slider in-app.Hold, send and receive euros for free with a Starling euro account. |
| Tandem | https://www.tandem.co.uk/ | United Kingdom | Debit card | Individuals who want a savings partner | Personal | Autosavings. Earn 0.5% AER and protected by the FSCS up to £85,000. Fixed savers guaranteed intrest rates. |
| Tide Bank | https://www.tide.co/ | United Kingdom | Debit card | Entrepreneurs, freelancers, small businesses. Based in the UK | Business | Spend less time doing admin by allowing team to make purchases themselves. No opening account fee. DIfferent account plans for each business size. Auto categorisation, expense management and syncability with accounting software. |
| Tinkoff Bank | https://www.tinkoff.ru/eng/ | Russia | Debit card | SMEs In Russia | Personal/Business | Credits cards and cash loans offered. Products listed: Debit, current accounts and deposits, services for SME's, Investment, insurance and travel applications. |
| Tomorrow | https://www.tomorrow.one/en-de/ | Germany | Debit card | Ecofreindly individuals. Eco-warriors. | Personal | Protects the rainforest and fund sustainable projects with every euro spent. Supports positive change. Shop worldwide with 0 additional charges. Apple pay integration. |
| Transferwise | https://transferwise.com/ | United Kingdom | Debit card | All individuals/businesses | Personal/Business | Multicurrency account (55 currencies).Spend with apple/google pay. Card works woldwide. UK account number, Euro IBAN, US routing number all in one account. |
| Vivid | https://vivid.money/en-eu/ | Germany | Debit card | All individuals | Personal | Free metal card and checking account. Pay and send money instantly. Save money on fees while travelling. Manage money with budgeting/tracking. Set limits for certain categories. Pay with apple/google pay. Control subsciptions through the app. |
| Xaalys | https://www.xaalys.com/ | France | Debit card | Teens (12-17) and their parents | Personal | Build good spending habits for your child, helps aquire financial and budgetary skills needed for the future. Block purchases in certain categories. Over 30 parental control features.Instantly transfer funds, no additional cost in the Euro zone. Automate pocket money deposits. Educating games, project pools, savings modules. |
| Yapeal | https://yapeal.ch/ | Switzerland | Debit card | All individuals | Personal | Spend with google/samsung/apple pay. Y3A precaution. Fully integrated e-bills. SAve money on eCom shopping and payments/ATMs aboad. |
| ZAK Banque Cler | https://www.cler.ch/fr/info/zak | Switzerland | Debit card | Swiss citizens, Teens (U18 account) | Personal | Full control over finances. Account, cards, budget overview, savings pots, transfers, standing orders, mobile payment all in one app. Cheapest account in Switzerland. U18 account for teens. |
You finished reading that whole list?
And did you find anything that caught your attention?
If not, consider opening a business account with Statrys, and you'll get a digital suite of products that help SMEs make smarter payments.
author
author
Statrys Team