US · USD
United States digital banks
Most US “neobanks” are fintechs with a partner bank. Chime is not a bank — Bancorp and Stride are. Cash App is not a bank — Sutton Bank and Lincoln Savings are. That distinction is the highest-intent query cluster in US digital banking, and it is also the safety question that matters. FDIC pass-through insurance only works if the partner is an insured bank and the records are in order (Synapse showed what happens when they are not). This country page separates chartered digital banks (SoFi Bank, Varo Bank, Ally) from partner-bank fintechs, and flags crypto platforms that are broker-dealers, not banks.
43Live on NeoBankDB
Regulator
OCC, FDIC, Federal Reserve, FinCEN, state banking departments
Deposit scheme
FDIC insurance up to $250,000 per depositor, per insured bank, per ownership category
In this market
Licence still sits on the product| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Interactive Brokers | 8.6 | Greenwich, United States | No inactivity on many accounts | Institutional-grade FX; a reason people open it | 3.3M accounts | Broker-dealer / FCM | |
 Wise | 8.6 | London, United Kingdom | Free personal | Mid-market plus a transparent conversion fee — the category benchmark | 16M+ | EMI (personal) | |
 Revolut | 8.6 | London, United Kingdom | Free | Fair-usage weekday mid-market; weekend markup on Standard | 50M+ | UK bank (eligible customers) | |
 Airwallex | 8.3 | Singapore, Singapore | Account often free | Transparent conversion + payment fees; typically beats banks | 150k businesses | Payments / EMI-class licences by market | |
 Monzo | 8.1 | London, United Kingdom | Free | Fee-free FX up to plan caps, then a markup | 11M+ | UK bank | |
 Kraken | 7.9 | San Francisco, United States | Maker-taker | Tight on majors vs retail Coinbase | 13M+ | US MSB + exchange | |
 Ramp | 7.8 | New York, United States | Software + card; pricing by plan | FX on overseas card spend | 40k businesses | Commercial card programme | |
 SoFi | 7.8 | San Francisco, United States | $0 on Checking and Savings | US domestic. International ATM and spend fees apply. | 10M+ | National bank charter | |
 Ledger | 7.7 | Paris, France | App is free. The signer is a purchase. | Buy, swap, and stake in the app are third-party services. Ledger is not the spread. | 8M+ signers | Not a bank. French SAS that sells signers. | |
 Ally Bank | 7.7 | Detroit, United States | $0 on core spend/save | Not a travel FX product | Direct-bank scale | Ally Bank, Member FDIC, national bank | |
 Trust Wallet | 7.6 | Global, United States | Free | Swap aggregator | 200M+ | See review | |
 Exodus | 7.6 | Omaha, United States | Free wallet | Swap partner spread | 4M+ | See review | |
 Mercury | 7.6 | San Francisco, United States | Free core operations | International wires priced; not a FX specialist | 200k businesses | Fintech with partner banks | |
 Coinbase | 7.5 | San Francisco, United States | Free to hold | Spread on the retail app; Advanced is tighter | 100M+ | MSB + state money transmitter / trust | |
 Relay | 7.4 | Toronto / US ops, Canada | Free core | USD ops | Tens of thousands of firms | Fintech with partner banks | |
 MetaMask | 7.4 | New York, United States | Free | MetaMask Swaps aggregator fee | 100M+ | See review | |
 Wahed | 7.3 | New York, United States | AUM fee on portfolios (live rate on site) | Conversion inside the portfolio, not a Wise clone | 300k+ | Investment adviser / manager — confirm the local entity | |
 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 | |
 Varo Bank | 7.3 | Draper, United States | $0 on the core bank account | No foreign-transaction fee advertised on the debit card. | US digital bank | National bank charter | |
 Kast | 7.3 | Singapore, Singapore | Free virtual | Stablecoin conversion + scheme FX | Tens of thousands of firms | Stablecoin account + Visa BIN | |
 GoHenry | 7.3 | London, United Kingdom | Monthly per child / family plan | Overseas spend fees | 2M families | EMI / prepaid programme | |
 Privacy.com | 7.2 | New York, United States | Free personal | USD only | 2M+ | Card programme | |
 Crypto.com | 7.2 | Singapore, Singapore | Card tiers gated by CRO stake (terms change — verify) | FX on card + spread on crypto sell | 80M+ | Exchange + card programme by market | |
 Wirex | 7.1 | London, United Kingdom | Free + paid X-tras | Crypto sell + scheme FX | 6M+ | EMI (UK) | |
 Chime | 7.1 | San Francisco, United States | Free | Not a travel product | 22M+ | Partner-bank fintech | |
 Marcus | 7.1 | Salt Lake City / New York, United States | $0 savings / CD | Not the job | GS Bank savings-scale | Online brand of Goldman Sachs Bank USA, Member FDIC. Salt Lake City branch | |
 Current | 7.0 | New York, United States | Free | US domestic | 4M+ | Fintech with partner banks | |
 Bluevine | 7.0 | Jersey City, United States | Free checking SKU; factoring and extras priced | US domestic first | 500k+ businesses | Fintech with partner banks | |
 Mercury Personal | 7.0 | San Francisco, United States | $240 per year — waived while you remain on an eligible Mercury business account | Not a travel specialist | Founder personal | Fintech. Mercury Technologies, Inc. is not a bank. Personal DDA at Choice Financial Group / Column N.A. | |
 Novo | 6.9 | New York, United States | Free checking | US domestic | 200k+ businesses | Fintech with partner banks | |
 MAJORITY | 6.8 | Houston, United States | Membership-priced — confirm live | Remittance corridor is the product | Migrant fintech-scale | Fintech. Not a bank. US deposits at Axiom Bank, N.A., Member FDIC | |
 Adro | 6.7 | New York, United States | Confirm live student SKU | Not the job — this is a US dollar account | Campus-scale | Fintech. Banking services via Stearns Bank, N.A., Member FDIC | |
 Limited | 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 | |
 PEX Card | 6.6 | Tennessee, United States | Program-priced per card / user | US-first; overseas on scheme | Enterprises / programs | Prepaid / commercial card programme | |
 HUSTL | 6.5 | Tucson, United States | $0 core — confirm live | Not a travel product | Freelance CU | Division of Vantage West Credit Union — federally insured credit union, not a bank | |
 Krak | 6.4 | San Francisco, United States | Confirm the live Krak fee schedule. Do not copy a directory tariff. | Crypto to spend conversion is the product. Confirm live pricing. | Kraken / Payward app | Fintech app — not a 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 | |
 Kontigo | 6.3 | Miami / LatAm, United States | $0 core pitch — confirm live | On/off-ramp spread is the product | Stablecoin-wallet | Fintech. Not a bank. USDC wallet + card rails. Kontigo Inc. | |
 MoneyLion | 6.3 | New York, United States | Free with qualifying direct deposit; otherwise product-priced — confirm live | Not a travel specialist | Consumer-finance scale | Fintech. MoneyLion. Not a bank. Spend account at Pathward, N.A., Member FDIC | |
 BankMobile / Vibe | 6.1 | Wayne, PA / North Carolina, United States | $3.99 unless $300 qualifying deposits — financial-aid refunds do not count | Not a travel product | 700+ partner campuses | Fintech. Banking services via First Carolina Bank, Member FDIC. BM Technologies, Inc. | |
 Albert | 5.9 | Los Angeles, United States | $19.99–$39.99 subscription plans (auto-renew) — the actual price | Not a travel product | Consumer fintech scale | Not a bank. Cash via Sutton Bank / Stride Bank, N.A.; savings at Wells Fargo, N.A. | |
 Atmos | 5.3 | Oakland, United States | Loan product, not an account fee | Not the job | Lending marketplace | Fintech. Not a bank. Not a lender — marketplace for bank and credit-union loans |
Closed in this market
Graveyard| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Jenius Bank | 5.9 | Los Angeles / NYC, United States | Was HYSA-priced — product gone as Jenius Bank | — | Closed | US digital brand of SMBC MANUBANK. Not a standalone national bank | |
 Ivella | 5.2 | Santa Monica, United States | Was app-priced — product gone | — | Closed | Fintech. Not a bank. Historic BaaS at Blue Ridge Bank, N.A. | |
| Daylight | 5.0 | New York, United States | Was monthly | — | Closed | BaaS fintech | |
| Prizepool | 5.2 | United States, United States | — | — | Closed | BaaS | |
| Synapse | 4.1 | San Francisco, United States | — | — | End-users at fintechs | BaaS middleware | |
| BlockFi | 4.5 | New Jersey, United States | — | — | Bankrupt | Lending / crypto (failed) | |
| FTX | 5.2 | Nassau / Hong Kong, Bahamas | — | — | Bankrupt | See review | |
| Celsius | 4.5 | New Jersey, United States | — | — | Bankrupt | See review |
Do not open. Full file sits in the graveyard.
Questions
01Is Chime FDIC insured?
Chime itself is not a bank. Eligible deposits are held at partner banks (The Bancorp Bank, N.A. and Stride Bank, N.A.) and are FDIC insured up to $250,000 through those banks. Confirm the current partners in the app, because they can change.
02What is a BaaS collapse risk?
Banking-as-a-service middleware (Synapse is the case study) can freeze end-user funds even when the underlying banks are solvent. Prefer products that name the insured depository clearly and keep ledger records at that bank.
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CyprusCross-check the scoring weights and the graveyard before you treat a leftover landing page as live.