Category
Accounts, cards, and spend tools built for companies.
39Live
| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
| 8.6 | London, United Kingdom | Free personal | Mid-market plus a transparent conversion fee — the category benchmark | 16M+ | EMI (personal) | ||
| 8.3 | Singapore, Singapore | Account often free | Transparent conversion + payment fees; typically beats banks | 150k businesses | Payments / EMI-class licences by market | ||
| 8.1 | London, United Kingdom | Personal free | Mastercard rate; no Starling markup on personal spend | 4M+ | UK bank | ||
| 7.8 | New York, United States | Software + card; pricing by plan | FX on overseas card spend | 40k businesses | Commercial card programme | ||
| 7.7 | Paris, France | Paid plans from a small monthly | SEPA is the home rail; FX on extras | 500k businesses | Payment institution / EMI-class | ||
| 7.7 | Singapore, Singapore | Free starter | Competitive on SEA corridors | 25k businesses | Payments with partner banks | ||
| 7.6 | San Francisco, United States | Free core operations | International wires priced; not a FX specialist | 200k businesses | Fintech with partner banks | ||
| 7.5 | Singapore, Singapore | S$0 core pitch — confirm live (overseas-transfer fees restated mid-2026) | Overseas-transfer SKU — confirm live tariff | SG digital-bank | Digital full bank — MariBank Singapore Private Limited. SDIC member | ||
| 7.4 | Toronto / US ops, Canada | Free core | USD ops | Tens of thousands of firms | Fintech with partner banks | ||
| 7.4 | Aarhus, Denmark | Free SKU plus paid plans — confirm live | Plan-gated | Nordic digital-bank | Bank — Lunar Bank A/S, FT no. 28002, CVR 39697696 | ||
| 7.4 | Warsaw, Poland | Account packs — confirm live | Bank tariff / eKonto possibilities | ~5.7 million | Bank — mBank S.A. Listed. Commerzbank group | ||
| 7.3 | San Francisco, United States | Card program; rewards-funded for eligible start-ups | Competitive on the card; not Wise | Tens of thousands of firms | Commercial card + treasury partners | ||
| 7.3 | San Francisco, United States | Free core | US domestic | Self-employed base | Fintech with partner banks | ||
| 7.3 | Singapore, Singapore | Free virtual | Stablecoin conversion + scheme FX | Tens of thousands of firms | Stablecoin account + Visa BIN | ||
| 7.3 | Dubai, United Arab Emirates | Digital SKUs including NEO BIZ — confirm live | Bank tariff | Mashreq digital | Digital brand of Mashreqbank PSC. Not a separate CBUAE digital-bank licence | ||
| 7.3 | Petaling Jaya, Malaysia | Confirm live | Not a travel specialist | Malaysia digital bank | Digital bank — GX Bank Berhad, Reg. 202101014409 (1414709-A). PIDM member | ||
| 7.2 | Bengaluru, India | Confirm live X plan | Not an RBI foreign-currency current account in the Airwallex sense | Startup payouts | Fintech overlay — current account at scheduled banks | ||
| 7.2 | Abu Dhabi, United Arab Emirates | Homepage: opening is free — T&Cs apply | Bank FX | UAE community / digital bank | Specialized Bank — Al Maryah Community Bank LLC | ||
| 7.1 | Bengaluru, India | Plans sit on the live Open site. There is no single free plan we can print here. | Not a foreign-currency EMI | SME connected finance | Fintech overlay / partner current account | ||
| 7.1 | Durham / Newcastle, United Kingdom | £0 on core savings SKUs — confirm live | Not a travel bank | Savings-and-mortgage scale | UK bank — Atom bank plc | ||
| 7.1 | Abu Dhabi, United Arab Emirates | Confirm live tariff in-app — personal and business are different SKUs | Bank FX — not Wise | UAE residents / firms | Licensed bank — Wio Bank PJSC | ||
| 7.1 | Ajman, United Arab Emirates | Business page: no hidden fees / no minimum balance pitch — confirm live tariff | Bank FX | UAE Islamic digital bank | Licensed bank — Ruya Community Islamic Bank LLC | ||
| 7.1 | Nicosia, Cyprus | Confirm live on General Terms & Rates | Bank FX | Cyprus challenger bank | Local authorised credit institution — Ancoria Bank Limited | ||
| 7.0 | Jersey City, United States | Free checking SKU; factoring and extras priced | US domestic first | 500k+ businesses | Fintech with partner banks | ||
| 7.0 | Amsterdam, Netherlands | Account packs — confirm live | Bank tariff | ~400,000 | Passported Dutch branch of BAWAG AG (Austria). Knab N.V. merged in on 29 Nov 2025 | ||
| 7.0 | Tallinn, Estonia | Account packs — confirm live | Bank tariff | Estonian bank-scale | Credit institution — AS LHV Pank | ||
| 6.9 | New York, United States | Free checking | US domestic | 200k+ businesses | Fintech with partner banks | ||
| 6.9 | Sydney, Australia | Subscription + interest-free periods on the card | FX on overseas card spend | 10k businesses | Credit / spend platform (not an ADI) | ||
| 6.9 | Dubai, United Arab Emirates | Confirm live tariff | Bank FX | UAE digital bank | Licensed bank — Zand Bank PJSC | ||
| 6.8 | Lyon / Paris, France | €9 HT / month — waived for LCL individual clients on launch copy | Bank tariff | LCL pro digital | Digital brand of Crédit Lyonnais (LCL) — bank code 30002, Crédit Agricole group | ||
| 6.8 | Melbourne, Australia | SME banking / lending tariffs — confirm live. Not a free consumer app. | Not a travel product | Australian SME bank | Authorised deposit-taking institution — Judo Bank | ||
| 6.7 | London, United Kingdom | Product-priced — confirm live | Bank tariff | UK / fintech-banking | UK bank — LHV Bank Limited, FRN 993767, company 13180211 | ||
| 6.7 | San Francisco, United States | Spend-platform pricing — confirm live | Corridor pricing | SME spend | Fintech. Limited, Inc. Not a bank. Banking services via licensed partners | ||
| 6.6 | Tennessee, United States | Program-priced per card / user | US-first; overseas on scheme | Enterprises / programs | Prepaid / commercial card programme | ||
| 6.5 | Manama, Bahrain | App SKU — confirm live | Corridor product, not mid-market magic | Telco-group fintech | Class 2 investment + payment entities — not a CBB retail bank | ||
| 6.5 | Milan, Italy | Bank tariff — confirm live | Not a travel bank | Specialty lender | Italian bank — illimity Bank S.p.A., Banca Ifis group | ||
| 6.4 | San Juan, United States | Business plans — confirm live | Corridor pricing, not mid-market magic | SME-scale | International Financial Entity — Arival Bank International Corp., licence #IFE-065 | ||
| 5.7 | São Paulo, Brazil | B2B programme pricing | N/A | BaaS / issuer scale | Credit + card infrastructure for other brands — not a retail current account | ||
| 5.3 | Istanbul, Turkey | Bank tariff — confirm live | Not a Revolut clone | Specialist-bank scale | Development and investment bank — BankPozitif Kredi ve Kalkınma Bankası A.Ş. |