United States
activeFeaturedBusiness banking
- HQ
- San Francisco
- Fee
- Free core operations
Limited
SF spend platform. Not a bank. US DDA sits at a partner bank — Cross River in the live-era copy. Confirm the footer.
Tap a star to jump to reviews
6.7Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Limited is not a bank. The money sits with Cross River Bank (US programme, confirm live) — Limited, Inc. is not the bank.
If it fails?
Limited is not FDIC-insured. Eligible USD DDA balances sit at partner banks (Cross River Bank named in the live-era programme copy) — FDIC pass-through if records are in order. Confirm the current partner on the legal page.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Spend-platform pricing — confirm live
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.7
/10 · Mixed
Limited, Inc. is a San Francisco spend platform. The live footer says it is not a bank. USD demand deposits in the US programme have sat at Cross River Bank, Member FDIC — confirm the current partner. Mercury is the start-up checking default on this desk. This is cards and payables. Keep operating cash at the named depository.
What it is
limitedapp.com, not limited.app. Directories 404 the domain and invent a bank. The legal paragraph is the review: technology services provider, partner banks hold the DDA.
Best for: US-facing companies that want spend cards and already keep treasury at a named bank.
Last checked 2026-08-30. Not advice.
What it does well
- +Honest ‘not a bank’ on the footer
- +Named partner-bank model
- +Virtual cards
- +Not a consumer salary app
What to watch
- −Not FDIC on the brand
- −Partner can change
- −Not Mercury’s start-up checking religion
- −Name is un-Googable
Who holds the money
The account
- Partner bank
- Cross River Bank / other licensed partners by corridor
How money actually moves
- Who holds the cash
- Current account at a partner bank
- How money moves
- ACH / USD
- Built for
- Business
- Settlement
- Card auth in seconds
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Limited lists a physical card and a virtual card on visa. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Limited is not FDIC-insured. Eligible USD DDA balances sit at partner banks (Cross River Bank named in the live-era programme copy) — FDIC pass-through if records are in order. Confirm the current partner on the legal page.
Who holds the money: Cross River Bank (US programme, confirm live) — Limited, Inc. is not the bank
- US partner bank / MTL stackFintech. Limited, Inc. Not a bank. Banking services via licensed partners · United States
Fees
- Monthly
- Spend-platform pricing — confirm live
- FX markup
- Corridor pricing
- ATM
- Not the job
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- ✓Business
- –Kids
- –Halal
- Business spend cards
- USD DDA via partner bank
- Global entity pitch
- Not a bank
- limitedapp.com — not limited.app
Score
- Safety25%
- 6.2
- Fees20%
- 6.8
- Features15%
- 7.4
- App15%
- 7.6
- Global15%
- 6.4
- Support10%
- 6.2
Change log
Full logLicence
Limited, Inc. is not a bank
limitedapp.com. US DDA at Cross River in live-era copy. Confirm the partner.
Available in
Straight answers
FAQ
01Is Limited a bank?
Limited is not a licensed deposit-taker in the classic sense. Money, if any, sits with Cross River Bank (US programme, confirm live) — Limited, Inc. is not the bank.
02How is money protected?
Limited is not FDIC-insured. Eligible USD DDA balances sit at partner banks (Cross River Bank named in the live-era programme copy) — FDIC pass-through if records are in order. Confirm the current partner on the legal page.
03Where is Limited available?
We list 1 market on NeoBankDB. Residency and onboarding rules still sit with Limited.
04Card and wallets?
Limited lists a physical card and a virtual card on visa. Confirm the live product in the app — a card is not a current account.
05Can I open Limited remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeFeaturedBusiness bankingVirtual card
- HQ
- New York
- Fee
- Software + card; pricing by plan
activeBusiness bankingVirtual card
- HQ
- San Francisco
- Fee
- Card program; rewards-funded for eligible start-ups