Best neon alternatives

#1 alternative

Yuh

active

Swissquote Bank Ltd in an app. FINMA. esisuisse CHF 100,000 shared with Swissquote. Yuh is not the bank.

Gland / Zurich · Swiss all-in-one app · Swissquote (100% after July 2025)

7.6Solid

Yuh’s own English homepage is unusually precise: Yuh started as a Swissquote + PostFinance joint venture; in July 2025 Swissquote bought PostFinance’s share; Yuh itself is not a bank; banking and financial services are provided by Swissquote Bank Ltd, authorised by FINMA; deposit protection up to CHF 100,000; Yuh and Swissquote are one entity so the cap is shared. That paragraph is the review. neon sits at Hypothekarbank Lenzburg. Alpian is its own FINMA bank. If you already have a Swissquote account, do not double-count the CHF 100,000. Pricing lives at yuh.com/en/pricing — this file does not invent a tariff.

Best for: Swiss residents who want spend + invest in one app and accept Swissquote as the bank.

Licence

Banking and financial services by Swissquote Bank Ltd — Yuh is not a bank

Protection

Official: Yuh itself isn’t a bank. Services are provided by Swissquote Bank Ltd, authorised by FINMA. Deposit protection up to CHF 100,000 in bankruptcy. Yuh and Swissquote are considered one entity — the cap is shared across both.

Monthly

No fees whenever possible, low fees when necessary — see yuh.com/en/pricing

#2 alternative

Alpian

active

Swiss FINMA digital private bank. esisuisse CHF 100k. Residents.

Geneva · Swiss private-bank scale · Series B-era + licence capital

7.2Solid

Alpian is the Swiss digital bank that still has a FINMA banking licence after 2025. radicant’s clients were pointed here. It is a private bank in an app, not Revolut. Do not open it from India.

Best for: Swiss-domiciled clients who want a FINMA bank in an app, and will pay private-bank economics.

Licence

Bank (Alpian SA)

Protection

esisuisse up to CHF 100,000 per client per bank

Monthly

Private-bank / digital-wealth tariff — not a free current account

#3 alternative

Revolut

active

Global money app that finally became a UK bank.

4.7

London · 50M+ · $1.7B raised · ~$45B val.

8.6Strong

The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel — that is still Starling or Monzo in the UK.

Best for: People who live in more than one currency and want one app for spend, FX, and extras.

Licence

UK bank (eligible customers)

Protection

FSCS up to £85,000 on UK bank balances; EMI safeguarding on e-money wallets

Monthly

Free · Plus/Premium/Metal/Ultra paid

#4 alternative

Kestrl is a habit layer. Keep a Monzo/Starling/high-street account for the actual deposit. Halal branding does not move FSCS.

Best for: UK Muslims who want a money app that speaks their constraints, with a real bank still underneath.

Licence

App + partner EMI/bank rails

Protection

If a spending account exists, it is partner-EMI or bank — not Kestrl-as-bank

Monthly

Freemium / subscription SKUs — confirm live

#5 alternative

Found

active

US banking for the self-employed: taxes, invoices, and a debit card.

4.8

San Francisco · Self-employed base · Series-era (Allianz x others)

7.3Solid

Found is the freelancer current account. Novo is generic SMB. Relay is multi-entity ops.

Best for: US freelancers who hate QuickBooks more than they hate banks.

Licence

Fintech with partner banks

Protection

FDIC via Piermont Bank and partners

Monthly

Free core

#6 alternative

Varo Bank

active

The rare US neobank that is actually a bank.

4.6

San Francisco · 7M+ · Bank holding + private capital

7.2Solid

When a US page asks ‘is it a real bank?’, Varo is the yes. Chime and Current are the no-with-an-asterisk.

Best for: US users who want a neobank app without the partner-bank asterisk.

Licence

National bank charter

Protection

FDIC insured as Varo Bank, N.A. — not pass-through theatre

Monthly

No monthly on core checking