Category

Business banking

Accounts, cards, and spend tools built for companies.

39Live

ProductScoreHQMonthlyFXUsersLicence
Wise8.6London, United KingdomFree personalMid-market plus a transparent conversion fee — the category benchmark16M+EMI (personal)
Airwallex8.3Singapore, SingaporeAccount often freeTransparent conversion + payment fees; typically beats banks150k businessesPayments / EMI-class licences by market
Starling Bank8.1London, United KingdomPersonal freeMastercard rate; no Starling markup on personal spend4M+UK bank
Ramp7.8New York, United StatesSoftware + card; pricing by planFX on overseas card spend40k businessesCommercial card programme
Qonto7.7Paris, FrancePaid plans from a small monthlySEPA is the home rail; FX on extras500k businessesPayment institution / EMI-class
Aspire7.7Singapore, SingaporeFree starterCompetitive on SEA corridors25k businessesPayments with partner banks
Mercury7.6San Francisco, United StatesFree core operationsInternational wires priced; not a FX specialist200k businessesFintech with partner banks
MariBank7.5Singapore, SingaporeS$0 core pitch — confirm live (overseas-transfer fees restated mid-2026)Overseas-transfer SKU — confirm live tariffSG digital-bankDigital full bank — MariBank Singapore Private Limited. SDIC member
Relay7.4Toronto / US ops, CanadaFree coreUSD opsTens of thousands of firmsFintech with partner banks
Lunar7.4Aarhus, DenmarkFree SKU plus paid plans — confirm livePlan-gatedNordic digital-bankBank — Lunar Bank A/S, FT no. 28002, CVR 39697696
mBank7.4Warsaw, PolandAccount packs — confirm liveBank tariff / eKonto possibilities~5.7 millionBank — mBank S.A. Listed. Commerzbank group
Brex7.3San Francisco, United StatesCard program; rewards-funded for eligible start-upsCompetitive on the card; not WiseTens of thousands of firmsCommercial card + treasury partners
Found7.3San Francisco, United StatesFree coreUS domesticSelf-employed baseFintech with partner banks
Kast7.3Singapore, SingaporeFree virtualStablecoin conversion + scheme FXTens of thousands of firmsStablecoin account + Visa BIN
Mashreq NEO7.3Dubai, United Arab EmiratesDigital SKUs including NEO BIZ — confirm liveBank tariffMashreq digitalDigital brand of Mashreqbank PSC. Not a separate CBUAE digital-bank licence
GXBank7.3Petaling Jaya, MalaysiaConfirm liveNot a travel specialistMalaysia digital bankDigital bank — GX Bank Berhad, Reg. 202101014409 (1414709-A). PIDM member
RazorpayX7.2Bengaluru, IndiaConfirm live X planNot an RBI foreign-currency current account in the Airwallex senseStartup payoutsFintech overlay — current account at scheduled banks
Al Maryah / Mbank7.2Abu Dhabi, United Arab EmiratesHomepage: opening is free — T&Cs applyBank FXUAE community / digital bankSpecialized Bank — Al Maryah Community Bank LLC
Open7.1Bengaluru, IndiaPlans sit on the live Open site. There is no single free plan we can print here.Not a foreign-currency EMISME connected financeFintech overlay / partner current account
Atom bank7.1Durham / Newcastle, United Kingdom£0 on core savings SKUs — confirm liveNot a travel bankSavings-and-mortgage scaleUK bank — Atom bank plc
Wio7.1Abu Dhabi, United Arab EmiratesConfirm live tariff in-app — personal and business are different SKUsBank FX — not WiseUAE residents / firmsLicensed bank — Wio Bank PJSC
ruya7.1Ajman, United Arab EmiratesBusiness page: no hidden fees / no minimum balance pitch — confirm live tariffBank FXUAE Islamic digital bankLicensed bank — Ruya Community Islamic Bank LLC
Ancoria Bank7.1Nicosia, CyprusConfirm live on General Terms & RatesBank FXCyprus challenger bankLocal authorised credit institution — Ancoria Bank Limited
Bluevine7.0Jersey City, United StatesFree checking SKU; factoring and extras pricedUS domestic first500k+ businessesFintech with partner banks
Knab7.0Amsterdam, NetherlandsAccount packs — confirm liveBank tariff~400,000Passported Dutch branch of BAWAG AG (Austria). Knab N.V. merged in on 29 Nov 2025
LHV Pank7.0Tallinn, EstoniaAccount packs — confirm liveBank tariffEstonian bank-scaleCredit institution — AS LHV Pank
Novo6.9New York, United StatesFree checkingUS domestic200k+ businessesFintech with partner banks
Archa6.9Sydney, AustraliaSubscription + interest-free periods on the cardFX on overseas card spend10k businessesCredit / spend platform (not an ADI)
Zand6.9Dubai, United Arab EmiratesConfirm live tariffBank FXUAE digital bankLicensed bank — Zand Bank PJSC
L by LCL Pro6.8Lyon / Paris, France€9 HT / month — waived for LCL individual clients on launch copyBank tariffLCL pro digitalDigital brand of Crédit Lyonnais (LCL) — bank code 30002, Crédit Agricole group
Judo Bank6.8Melbourne, AustraliaSME banking / lending tariffs — confirm live. Not a free consumer app.Not a travel productAustralian SME bankAuthorised deposit-taking institution — Judo Bank
LHV Bank6.7London, United KingdomProduct-priced — confirm liveBank tariffUK / fintech-bankingUK bank — LHV Bank Limited, FRN 993767, company 13180211
Limited6.7San Francisco, United StatesSpend-platform pricing — confirm liveCorridor pricingSME spendFintech. Limited, Inc. Not a bank. Banking services via licensed partners
PEX Card6.6Tennessee, United StatesProgram-priced per card / userUS-first; overseas on schemeEnterprises / programsPrepaid / commercial card programme
Beyon Money6.5Manama, BahrainApp SKU — confirm liveCorridor product, not mid-market magicTelco-group fintechClass 2 investment + payment entities — not a CBB retail bank
illimity6.5Milan, ItalyBank tariff — confirm liveNot a travel bankSpecialty lenderItalian bank — illimity Bank S.p.A., Banca Ifis group
Arival6.4San Juan, United StatesBusiness plans — confirm liveCorridor pricing, not mid-market magicSME-scaleInternational Financial Entity — Arival Bank International Corp., licence #IFE-065
alt.bank5.7São Paulo, BrazilB2B programme pricingN/ABaaS / issuer scaleCredit + card infrastructure for other brands — not a retail current account
BankPozitif5.3Istanbul, TurkeyBank tariff — confirm liveNot a Revolut cloneSpecialist-bank scaleDevelopment and investment bank — BankPozitif Kredi ve Kalkınma Bankası A.Ş.