Category
Business banking
Accounts, cards, and spend tools built for companies.
20Live
| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Wise | 8.6 | London, United Kingdom | Free personal | Mid-market plus a transparent conversion fee — the category benchmark | 16M+ | EMI (personal) | |
 Airwallex | 8.3 | Singapore, Singapore | Account often free | Transparent conversion + payment fees; typically beats banks | 150k businesses | Payments / EMI-class licences by market | |
 Starling Bank | 8.1 | London, United Kingdom | Personal free | Mastercard rate; no Starling markup on personal spend | 4M+ | UK bank | |
 Ramp | 7.8 | New York, United States | Software + card; pricing by plan | FX on overseas card spend | 40k businesses | Commercial card programme | |
 Qonto | 7.7 | Paris, France | Paid plans from a small monthly | SEPA is the home rail; FX on extras | 500k businesses | Payment institution / EMI-class | |
 Aspire | 7.7 | Singapore, Singapore | Free starter | Competitive on SEA corridors | 25k businesses | Payments with partner banks | |
 Mercury | 7.6 | San Francisco, United States | Free core operations | International wires priced; not a FX specialist | 200k businesses | Fintech with partner banks | |
 Relay | 7.4 | Toronto / US ops, Canada | Free core | USD ops | Tens of thousands of firms | Fintech with partner banks | |
 Brex | 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 | |
 Found | 7.3 | San Francisco, United States | Free core | US domestic | Self-employed base | Fintech with partner banks | |
 Kast | 7.3 | Singapore, Singapore | Free virtual | Stablecoin conversion + scheme FX | Tens of thousands of firms | Stablecoin account + Visa BIN | |
 Atom bank | 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 | |
 Bluevine | 7.0 | Jersey City, United States | Free checking SKU; factoring and extras priced | US domestic first | 500k+ businesses | Fintech with partner banks | |
 Novo | 6.9 | New York, United States | Free checking | US domestic | 200k+ businesses | Fintech with partner banks | |
 Archa | 6.9 | Sydney, Australia | Subscription + interest-free periods on the card | FX on overseas card spend | 10k businesses | Credit / spend platform (not an ADI) | |
 PEX Card | 6.6 | Tennessee, United States | Program-priced per card / user | US-first; overseas on scheme | Enterprises / programs | Prepaid / commercial card programme | |
 Beyon Money | 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 | |
 Arival | 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 | |
 alt.bank | 5.7 | São Paulo, Brazil | B2B programme pricing | N/A | BaaS / issuer scale | Credit + card infrastructure for other brands — not a retail current account | |
 BankPozitif | 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. |