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19 Top Neobanks: Which Is Right for Me?

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What is a neobank? These banks were designed with the power of modern technology in mind. They make extensive use of software and apps to provide faster, more nimble banking. So why would a business owner need a neobank? 

The top neobanks worldwide offer a variety of financial products, including fee-free checking, savings with interest rates much higher than traditional banks, and multicurrency business accounts. 

Let’s take a look at this list of innovative neobanks from around the globe, shall we?

Map of China and Southeast Asia with text that reads "neobanks in China in Southeast Asia."

1. Statrys

Statrys logo on a white background.

Great for: SMEs around the globe who need a Hong Kong business account

Statrys is a digital payment services platform that provides Hong Kong SME business accounts to companies worldwide. Statrys is one of APAC’s go-to SME business accounts. Statrys offers 24/7 customer support with real people, transparency, affordability, and dependability.

When you sign up for an account with Statrys, you’ll choose a dedicated account manager who is available to answer all your questions and help you navigate the complex world of online business banking in Hong Kong. Statrys also makes it easy to create invoices and register your company in Hong Kong.

Services offered Multicurrency and single-currency accounts, foreign exchange services, trade financing services, prepaid Mastercards
Fees Fee schedule
Other information/features 4.5-star customer rating, dedicated account managers
An app showing how Statry's virtual payment cards work

2. WeBank

WeBank logo on a white background.

Great for: People who want access to modern banking features in China

WeBank was the first private digital-only bank in China. Account holders can get micro-loans and other digital financial services online. The bank boasts 60 million personal and SME customers, making it a large bank in China. Personal loans are available in amounts as small as ¥500 to as large as ¥300,000, and decisions for personal and business loans are made in seconds.  

Services offered Personal and SME loans, auto loans, wealth management services
Fees Vary
Other information/features 3.2-star customer rating

3. MyBank

MyBank logo on a white background.

Great for: Entrepreneurs in China without collateral or credit 

Part of Singapore’s Ant Financial, MyBank is a Chinese neobank offering personal banking as well as business accounts and financing options for SMEs. 

The bank offers financing based on factors other than credit, such as repayment patterns. Research has found that this method may be more effective than just looking at credit scores. MyBank is also working to expand its offerings to more female entrepreneurs. 

Services offered

Online business loans, personal accounts

Fees

Fee schedule

Other information/features

Financing based on factors other than credit scores

Map of North America with text that reads "neobanks in North America."

4. Chime

Chime logo on a white background.

Great for: Customers who want better returns on their savings

Chime is a U.S.-based neobank partnered with The Bancorp Bank and Stride Bank that focuses on providing credit card and debit card services to customers who want better interest rates. Chime’s high-yield savings account offers 0.5% APY, which is much higher than the average APY of 0.04%. 

Chime does not offer loans or other financial products, so if you need a full-service financial institution, Chime probably isn’t a good choice for you at this time. 

Services offered

Checking and savings accounts, credit cards, built-in savings accounts, early paycheck direct deposits

Fees

Out-of-network fees

Other information/features

No overdraft fees, no minimum balances, no monthly fees, early direct deposit, 2.9-star customer rating

5. Varo

Varo logo on a white background.

Great for: People who want a higher yield on savings

At Varo, customers can enjoy the benefits of a higher annual percentage yield on their savings and a streamlined app to manage their personal finances. With Varo’s automatic savings tools, leftover change from purchases will be deposited into savings at a rate significantly higher than most savings accounts. 

Services offered

Checking and savings accounts, early paycheck direct deposits, built-in savings with high APY

Fees

No fees

Other information/features

3.3-star customer rating, FDIC-insured 

6. Current

Current logo on a white background.

Great for: People who want to save and invest in crypto

With Current, customers can get checking and savings accounts — plus a high APY for savings and roundup automatic savings. Current also offers cryptocurrency investing with no trading fees for anyone who wants to buy some of the most popular coins available, including Bitcoin, Ethereum, and Tether. On personal checking accounts, customers enjoy no overdraft fees and rewards points that can be used at thousands of retailers.

Services offered

Checking and savings accounts, early paycheck direct deposits, built-in savings with high APY, cryptocurrency investments, bank accounts for teens

Fees

No fees

Other information/features

4-star customer rating, no overdraft fees, rewards program 

7. Aspiration

Aspiration logo on a white background.

Great for: Any environmentally conscious person

Aspiration is one of the more unique neobanks in the U.S. because it provides its customers with financial services based on the idea of reducing environmental harm. For example, its investments are free of fossil fuel companies and Aspiration will plant a tree for every savings roundup its customers perform. Aspiration also offers a high APY of up to 3% on funds in savings accounts. 

For businesses, Aspiration has programs set up to help companies meet their sustainability goals. It selects climate action solutions that are backed by thorough analysis and evaluation. 

Services offered

Checking and savings accounts, early paycheck direct deposits, cash back, roundup savings

Fees

Fee schedule

Other information/features

4.4-star customer rating, FDIC-insured, rewards program, tree planting for each roundup

8. Acorns

Acorns logo on a white background.

Great for: People looking to put away extra money without much extra effort

With Acorns, you can put your spare change to use by saving and investing. Acorns’ app is designed to make it easy for you to start building toward your financial goals. It also offers a number of curated portfolios managed by experts to cultivate growth. 

If you’re looking for fast and easy ways to start saving money for your kids, Acorn offers an account that is fed with regular deposits from parents and can be used in a number of ways by your child when they grow up. 

Services offered

Checking and savings accounts, debit card, cash back, investment accounts, retirement accounts 

Fees

Start at $3 per month

Other information/features

2.2-star customer rating, FDIC-insured,  

9. SoFi

SoFi logo on a white background.

Great for: People who want the speed and ease of a neobank with the products of a traditional bank

SoFi is one of the U.S. neobanks that offers a wide range of financial products, including personal loans, student loans and student loan refinancing, mortgages, investment accounts, checking and savings, and credit cards. Its 5 million members have access to these products and a robust rewards system through the SoFi app.  

With over 55,000 free ATMs around the world and no overdraft fees, SoFi is set up to help nearly anyone manage their money.

Services offered

Checking and savings accounts, personal loans, mortgages, debit cards, credit cards, and more 

Fees

No fees for savings and checking 

Other information/features

4.6-star customer rating, FDIC-insured, SIPC-insured investment accounts

Map of Europe with text that reads "neobanks in the EU and UK."

10. Revolut

Revolut logo on a white background.

Great for: People who want a powerful multicurrency account

Revolut started in London but has grown into other markets, including the United States and countries in the European Union. Since it began, it’s gained more than 28 million customers in several dozen countries with more countries joining regularly. 

With free and paid accounts for individuals, businesses, and freelancers, Revolut gives global citizens the ability to send and spend money in many different currencies all from one account. Account holders can access their Revolut accounts online or through a powerful app. 

Services offered Checking and savings accounts, investment accounts, foreign exchange services, rewards, early paycheck direct deposits
Fees Fee schedule 
Other information/features 4.3-star customer rating 

11. Starling

Starling Bank logo on a white background.

Great for: People who need European bank accounts

As one of the fastest-growing U.K. neobanks, Starling Bank’s personal and business accounts are available with no monthly fees. Personal savings accounts are available with fixed APY rates of 3.25%. Joint accounts make it easy for people to manage shared expenses while still maintaining individual accounts with Starling.

Starling’s business and sole trader bank accounts allow for easy management of incoming and outgoing funds for modern business owners and freelancers. Because Starling is a fully regulated bank, your money is protected by the Financial Services Compensation Scheme. Starling Bank also offers business loans.

Services offered

Personal accounts, business accounts, multicurrency accounts, European bank accounts for U.K. customers, teen and child bank accounts and debit cards, personal and business overdraft protection

Fees

No monthly fees

Other information/features

4.3-star customer rating, protection from the U.K.’s Financial Services Compensation Scheme (FSCS), 24/7 in-app support  

12. Monese

Monese logo on a white background.

Great for: People in the U.K. who need an easy-to-use multicurrency account

Monese offers multicurrency (EUR, GBP, RON) accounts for its customers to make sending and receiving money faster and easier. With Monese, you can create up to 10 separate savings accounts — called Pots — to set money aside for different purposes. These accounts are backed by Raisin UK for extra protection. To make tracking your spending easier, you can connect your PayPal and Avios accounts. You can also apply for a personal loan with Monese.

U.K. companies can also open a Monese account. With a business account, you can make local payments with direct debits and send money to more than 30 countries with its built-in transfer system. If you have a personal account with Monese, you can manage both accounts within the same app. 

Services offered Personal and business checking and savings accounts, multicurrency accounts, joint accounts, personal loans, debit cards
Fees Free to £14.95 per month for personal accounts

£9.99 per month for business accounts

Fee schedule

Other information/features 4.1-star customer rating, savings protection from the Financial Services Compensation Scheme

13. Anytime

Anytime logo on a white background.

Great for: Business owners who need powerful tools to run their business

Anytime is a neobank based in France that is a subsidiary of Orange Bank. It provides a range of banking services to entrepreneurs, freelancers, and businesses. From French, U.K., and Belgian IBANs to financing, Anytime was built to give businesses the tools they need to manage their funds. In addition to its banking and accounting features, Anytime also provides insurance that helps protect its customers’ businesses.   

If you’re just starting your business, the Anytime team can help you determine your options to set you up with the right type of business account for your goals. Its full-featured app allows for expense tracking, budget adjustments, and automated tax provisioning. 

Services offered

Business accounts, accounting features, payment cards, insurance, business creation services 

Fees

€9.50 to €249 per month

Other information/features

4.5-star customer rating

14. Monzo

Monzo logo on a white background.

Great for: People who want to easily manage accounts from multiple banks 

With Monzo, customers can combine and manage a number of different bank accounts in one simple app. Monzo’s system allows customers to move money into separate “pots” in order to save and make bill pay easier. In the U.S., Monzo partners with Ohio’s Sutton Bank to provide U.S. customers with FDIC-insured products, while its U.K. accounts are serviced and insured by Monzo with protection from the FSCS. 

Services offered Personal checking and savings accounts, multiple account management in one app, joint accounts, virtual and physical payment cards
Fees No monthly fees for U.S. accounts

Free to £5 per month for U.K. business accounts

Free to £15 per month for U.K. personal accounts
Other information/features 4.3-star customer rating, no currency exchange fees, no overdraft fees, FDIC-insured U.S. accounts, FSCS protection in the U.K., 24/7 chat support

15. Lunar

 Lunar logo on a white background.

Great for: Customers who want feature-heavy banking without large monthly fees

Lunar is a Denmark-based neobank that is designed around streamlining money management for individuals and businesses. It offers higher savings return rates than other banks, along with digital and physical payment cards, personal lines of credit, travel insurance, and joint accounts.

The business banking account options at Lunar are similar to the personal accounts but are designed to provide options for businesses so customers won’t have to pay for features until they need them. Lunar protects business account holders from negative interest rates and offers easy, automatic payments with direct debit. 

Services offered Personal and business checking and savings accounts, investment accounts, cryptocurrency investing, personal and business loans, online payments for businesses 
Fees Free to 199 SEK per month for personal accounts 

249 SEK to 354 SEK per month for business accounts
Other information/features 4.4-star customer rating, travel benefits, discount program 

16. N26

N26 logo on a white background.

Great for: International travelers

With more than 8 million customers in 24 markets worldwide, N26 is a personal and business bank headquartered in Germany that offers its customers a wide range of mobile and modern banking products. From checking accounts to multiple Space accounts (each with its own IBAN) as well as insurance options, N26 customers have access to features and products that make it safer and easier to bank and travel.

Services offered

Checking and savings accounts, virtual and physical payment cards, foreign currency payments, business accounts, cryptocurrency investment

Fees

Free to €16.90 per month

Other information/features

3.2-star customer rating, protection with the German Deposit Guarantee Act, multiple IBANs, rewards program, emergency medical coverage

Map of Africa and the Middle East with text that reads "neobanks in Africa and the Middle East."

17. Ila

Ila logo on a white background.

Great for: People who want to open an account quickly with foreign currency flexibility

Ila is a neobank headquartered in Bahrain and part of Bank ABC. When you open a personal account with Ila, you’ll be able to fund it from another account, with a transfer, or with a check. Then you’ll have an instant digital payment card that you can use around the world. Ila also makes it easy to link bank accounts with different currencies or open foreign currency accounts in its app to further streamline payments. 

Ila’s fixed payment savings accounts have interest rates as high as 5.9% depending on the tier you’re in, and you can save in BHD or USD for more growth options. 

Services offered Personal checking and savings accounts, digital and physical payment cards, credit cards
Fees Fee schedule
Other information/features 24/7 support, easy charitable donations

18. Hala

Hala logo on a white background.

Great for: Merchants and SMEs looking for an easy POS system

For SMEs in the UAE or Saudi Arabia, Hala offers a powerful and easy-to-use payment portal that combines the best features of a digital wallet with a standalone POS system that works in concert with the Hala app. With a Hala account, businesses can take payments and access those funds quickly through their online bank account or through a Hala debit card. More than 50,000 businesses are using the Hala POS system to process $350 million per month.   

Services offered

POS system, app for making and tracking payments

Fees

Varies

Other information/features

4.4-star customer rating

19. Kuda

Kuda logo on a white background.

Great for: Customers who want to use their money around Africa at low prices

Nigeria’s Kuda is a neobank licensed by the Central Bank of Nigeria that offers Africans a faster and easier way to send and receive money. With personal and business virtual bank accounts, customers can do everything from open savings and investment accounts to get help starting a business. Personal account holders can receive interest rates as high as 15% on their savings and utilize roundup savings to maximize what they put away each month.

Kuda business accounts can take advantage of a full-service suite of business tools that include invoicing and business registration. For merchants and retailers, the app becomes a fast, mobile POS system. 

Services offered

Personal and business accounts, investment accounts, POS software, business registration, debit cards, personal loans

Fees

10 NGN for every transfer after the first 25 free transfers 

Other information/features

2.3-star customer rating, deposits insured by NDIC

More Neobanks To Know 

Region: North America

NeoBank Website Head Office Location Payment Method Target Market Personal/Business Features (As stated on their website)
Arrival www.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 www.azlo.com United States Debit card Businesses Business Instant transfers, Invoicing, Bill payment system, Envelope budgeting, Accountant access (pro version)
Bambu mybambu.com/us/ United States Debit card US & Latin American Residents Personal No SSN Required, Free VISA card
Bank Mobile www.bankmobile.com United States Debit/Credit card All. Students (Bank Mobile Students Refi) Personal Student Loan refinancing, Chekcing accounts, Personal loans
Bella 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) betterbank.app United States Debit card N/A N/A N/A
Betterment www.betterment.com United States Debit card All Personal Robo-Advisor - Technology management and guidance. Cash reserves feature, investment aid, retirement plan
Branch www.branchapp.com United States Debit card Employees (Issued by employers) Personal Earned wage access (Instant Pay)
Bridge Money www.bridgemoney.co United States Debit card All Personal Feeless, No credit check required
Capway (Waitlist) www.capway.co United States Debit card N/A Personal Save and set money goals, FDIC insured
Cheese (Waitlist) www.earncheese.com United States Debit card N/A Personal Zero fee, Cashback debit card, FDIC insured
Cogni getcogni.com United States Debit card, Single-use cards All Individuals Personal FDIC Insurance, Single use cards. Feeless 55,000 atms, 256bit encription
Copper www.getcopper.com United States Debit card Teens (and their parents) Personal FDIC insured, encription, education on spending/saving
Credit Sesame www.creditsesame.com United States Debit card People who want to manage money and credit Personal Early paycheck, Cash rewards for improving credit score, Cashback offers
Dave dave.com United States Debit card All Individuals Personal Up to $100 advances without fees, early paycheck, credit building opportunities.
Daylight joindaylight.com United States Debit card LTGBQ+ Personal Balance analytics, Personalized savings goals, Automated savings
Douugh 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 empower.me United States Debit card Aimed at Millenials Personal Cash advance, expenditure tracking, Invest checking
Envel 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) extra.app United States Debit card Solution to credit card dept Personal Earn reward points with debit card, build credit history.
Finch Money finchmoney.com United States Debit card Investors. Only available for iOS users currently. . Personal Automatic investments, Investment recommendations. Investing and checking in one.
Gobank 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 goodmoney.com United States Debit card Ecofriendly individuals Personal Supporting protection of rainforests, animals.
Greenlight 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 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 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 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 www.ivella.co United States Debit card Couples Personal FDIC Insured, Financial management for couples (Ratio, Saving, Spending, Joint balance in seperate accounts)
Koho 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 letter.co United States Debit card High Net Worth individuals Personal Customizable debit cards, auto donate to charity (partnership), investment opportunities, NFC within card.
Level 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 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 www.longgame.co United States Debit card Casual, Consumer friendly, Mini-game like (Gamified) Personal Personalised interface, Rewards based savings.
Lucky Card 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 www.m1finance.com United States Debit card Investors Personal Automate finances, intelligent financial tools, smart money management. FDIC insured.
Mercury mercury.com United States Debit card Tech companies Business API access, Team management, automate cash management, company analytics, no service charges.
Majority www.majority.com/en United States Debit card Migrants   No transfer fees, FDIC insured, Free international calls (24 countries)
Marygold & Co. marygoldandco.com United States Debit card United States residents Personal FDIC Insured, Earn Intrest though savings account, Early paycheck with direct deposit
Meed Banking Club meedbankingclub.com United States Debit card N/A N/A Becoming Tend (https://tend.money/)
MoneyLion www.moneylion.com United States Debit card N/A N/A N/A
Monzo 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 n26.com/en-us Germany Debit card All Individuals Personal Debit card perks (partner discounts, cashback on subsciptions)
North Loop 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 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 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 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 onjuno.com United States Debit card Everyone Personal Checking account (2.15% savings on deposits) 5% cashback on 5 brands of your choice.
Oxygen 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 www.passbook.app United States Debit card Multinationals Personal Cashback on international transfers, customisable flag on debit card, no foreign transaction fees
Pinch pinchbank.com 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 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 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 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 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 US 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 robinhood.com United States Debit card Investing for Everyone Personal Commions free investing, built to make investing more intuative, affordable and fun regardless of experience.
Sable 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 www.joinsave.com United States Debit card Investors Personal 100% insured initial deposit, Average returns of 3.12% for the debit invest card into diversed potfolios.
Simple 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.
Stash 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 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 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 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 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 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 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.
Wealthfront 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 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 www.askzeta.com 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 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 zorocard.com 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: Africa and Middle East

Bettr www.bettr.app South Africa Debit card Teens/Youth Personal Can sign up via whats app. Zero monthly fees. Monitor spendings and grow savings.
Dopay www.dopay.com 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.
Meem 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 www.pepper.co.il 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 www.xpence.co 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: Europe

220 Bank www.220bank.com United Kingdom Debit card Entrepreneurs, influencers, innovators and investors Personal Metal debit card. Sense of sophistication and exclusivity from website.
Alpain www.alpian.com Switzerland Debit card Individuals who want to build their wealth Personal Personal wealth management offering, and tailored investment products
Aoin www.aion.be 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.
ANNA Money ANNA Money Review United Kingdom Debit card small business owners, sole traders, startups, and independent freelancers around the UK. Business Business accounts, Business debit cards, Accounting services,  VAT filing and Corporation Tax.
Atom Bank 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 www.bitwala.com 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 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 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 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 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 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 csx.credit-suisse.com 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 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 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 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 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 www.gimitheapp.com 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 www.gohenry.com 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! 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 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 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 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 indo.is 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 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 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 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 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.
Manager.one www.manager.one 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 www.mbank.pl 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).
Muniy 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.
Neon-free 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 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 nickel.eu 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 www.nimbl.com United Kingdom Debit card Teens Personal N/A
OakNorth 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 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 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. getpfc.com 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 getpenta.com 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 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 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 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 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 qonto.com 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.
Rocket Bank 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 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 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 www.soldo.com 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.
Tandem 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 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 www.tinkoff.ru 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 www.tomorrow.one 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 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 vivid.money 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 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 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 www.cler.ch 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.

As you can see from this list of top neobanks, choosing the best neobank or alternative banking solution for you can take some time. Evaluate your personal or business needs and weigh them against the features offered by these banks before you make your decision. If you want to open a business bank account or register your business in Hong Kong, Statrys can help.

Statrys mobile application dashboard showing a total balance in a business account.

 Infographic called top neobanks around the world that features a list of top neobanks in their respective regions around the globe.

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WeBank is among the most popular neobanks in the world with 60 million customers. But Brazil’s NuBank is the largest neobank in terms of revenue, with a nearly $45 billion valuation.

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