Category
Neobanks
Digital-only banks and challenger current accounts.
128Live
| 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) | |
 Revolut | 8.6 | London, United Kingdom | Free | Fair-usage weekday mid-market; weekend markup on Standard | 50M+ | UK bank (eligible customers) | |
 Nubank | 8.1 | São Paulo, Brazil | No annual fee on core card | IOF + spread on foreign spend (Brazil rules) | 100M+ | Financial institution / credit card issuer | |
 Starling Bank | 8.1 | London, United Kingdom | Personal free | Mastercard rate; no Starling markup on personal spend | 4M+ | UK bank | |
 Monzo | 8.1 | London, United Kingdom | Free | Fee-free FX up to plan caps, then a markup | 11M+ | UK bank | |
 Up | 7.9 | Melbourne, Australia | Free | International spend fees apply (not a travel specialist) | 1M+ | ADI via Bendigo and Adelaide Bank | |
 SoFi | 7.8 | San Francisco, United States | $0 on Checking and Savings | US domestic. International ATM and spend fees apply. | 10M+ | National bank charter | |
 N26 | 7.8 | Berlin, Germany | Free Standard | Free on You/Metal; Standard has a weekend/FX fee schedule | 8M+ | Credit institution (CRR bank) | |
 bunq | 7.7 | Amsterdam, Netherlands | Paid plans (Easy Savings / Easy Bank / Easy Green / Easy Money) | Plan-dependent; competitive on higher tiers | 15M+ | Credit institution | |
 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 | |
 Yuh | 7.6 | Gland, Switzerland | No fees whenever possible — live list on yuh.com/en/pricing | Read the live Yuh pricing list. Do not copy a directory tariff. | Swiss all-in-one app | Fintech app — not a bank | |
 Chase UK | 7.6 | London, United Kingdom | £0 | No Chase markup on spend abroad. Mastercard rate. Local ATM owners may still charge. | UK digital bank | UK bank | |
| Trust Bank | 7.6 | Singapore, Singapore | Confirm live — savings + cards carry the marketing | ‘Super shiok’ FX is marketed — confirm live tariff | Singapore digital bank | Digital bank — Trust Bank Singapore (Co. Reg. No. 202039712G) | |
 Zak | 7.5 | Basel, Switzerland | CHF 0 on Zak. Zak Plus is CHF 8/month. | Visa reference plus about 2% on the Bank Cler factsheet. | Bank Cler digital | Swiss bank (Bank Cler AG) | |
 Rakuten Bank | 7.5 | Tokyo, Japan | Confirm live tariff in-app. Core yen accounts are not sold as a Western free plan. | Bank tariff, not Wise | 18.07 million accounts (31 Mar 2026, IR) | Licensed bank — Rakuten Bank, Ltd. | |
 Scapia | 7.5 | Bengaluru, India | Nil joining / annual on the core travel card (confirm live offer) | 0% forex markup on the travel card — the whole pitch | 3M+ | Credit card issued by a scheduled bank | |
 MariBank | 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 | |
 monobank | 7.5 | Kyiv, Ukraine | €0-like pitch on core — confirm live | Bank / card tariff | ~9 million | Digital product of Universal Bank (PRAT). Not a separate NBU bank | |
 GXS Bank | 7.5 | Singapore, Singapore | Confirm live — savings SKUs carry the marketing | Travel SKU exists (GXS Odyssey) — confirm live FX | Singapore digital bank | Digital full bank — GXS Bank Pte. Ltd. (202005626H) | |
 SeaBank | 7.4 | Jakarta, Indonesia | Confirm live. Core savings are sold as low-friction. | Not the job | Digital-bank scale | Licensed bank — PT Bank Seabank Indonesia | |
 Lunar | 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 | |
 mBank | 7.4 | Warsaw, Poland | Account packs — confirm live | Bank tariff / eKonto possibilities | ~5.7 million | Bank — mBank S.A. Listed. Commerzbank group | |
 MONETA Money Bank | 7.4 | Prague, Czechia | Account packs — confirm live | Bank tariff — worldwide ATM pitch on some SKUs | ~1 million | Credit institution — MONETA Money Bank, a.s. (ex GE Money Bank) | |
 Pepper | 7.4 | Tel Aviv, Israel | Zero basic current-account commissions on Pepper’s own page; special operations extra | Confirm live tariff | Leumi digital current account | Digital bank account of Bank Leumi le-Israel Ltd — not a separate charter | |
 Enpara | 7.4 | Istanbul, Turkey | Core current account is historically fee-light — confirm live tariff on enpara.com | Bank FX | Enpara Bank digital | Enpara Bank A.Ş. — BDDK bank after 28 August 2025 spin-off from QNB Türkiye | |
 ubank | 7.4 | Sydney, Australia | No fees from ubank on the homepage pitch — T&Cs apply | Not a travel FX specialist | NAB digital division | Division of National Australia Bank Limited — ABN 12 004 044 937, AFSL and ACL 230686. Not a separate ADI | |
 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 | |
 Niyo Global | 7.3 | Bengaluru, India | Product-dependent; forex often zero annual | Live-rate pitch vs high-street; a spread still exists | 4M+ | Forex + partner-bank stack | |
 Air Bank | 7.3 | Prague, Czechia | Often CZK 0 if you use the account — confirm live | Bank FX; not Wise | 1M+ | Credit institution (Air Bank a.s.) | |
 Airstar Bank | 7.3 | Hong Kong, Hong Kong | Personal fees often waived — confirm live | 24/7 FX is the pitch; a spread still exists | HK virtual-bank scale | Virtual / digital bank | |
 Ant Bank | 7.3 | Hong Kong, Hong Kong | Digital-bank SKU — confirm live | HKD/USD dual savings; spread still exists | AlipayHK-adjacent | Virtual / digital bank — Ant Bank (Hong Kong) Limited | |
 imagin | 7.3 | Barcelona / Valencia, Spain | €0 on core current — confirm live | Bank tariff, not Wise | ~4 million | Trade name of CaixaBank, S.A. (bank code 2100). imaginersGen, S.A. is the agent | |
 ING Deutschland | 7.3 | Frankfurt, Germany | Often €0 on Girokonto with conditions — confirm live | Bank tariff, not Wise | ~9 million | Credit institution — ING-DiBa AG | |
 Inter | 7.3 | Belo Horizonte, Brazil | Free current-account pitch — confirm live | Not Wise; Inter shop / FX is a SKU | Tens of millions | Multiple bank — Banco Inter S.A. | |
 Mashreq NEO | 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 | |
 neon | 7.3 | Zurich, Switzerland | Zero-fee pitch on neon-free.ch — confirm live extras | Confirm live (travel card is a SKU) | Swiss digital account | Fintech app — deposits at Hypothekarbank Lenzburg AG | |
 GXBank | 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 | |
 UNO Digital Bank | 7.2 | Taguig, Philippines | No monthly fee on #UNOready | 2.50% on international card spend | Digital bank | Digital bank | |
 Maya | 7.2 | Pasig, Philippines | Free wallet | On overseas card spend | 50M+ | Digital bank + EMI heritage | |
 Kuda | 7.2 | Lagos, Nigeria | Free core account | USD card / FX desks are product- and availability-dependent | 7M+ | Digital / commercial bank licence | |
 Alpian | 7.2 | Geneva, Switzerland | Private-bank / digital-wealth tariff — not a free current account | Wealth FX, not Wise mid-market | Swiss private-bank scale | Bank (Alpian SA) | |
 moey! | 7.2 | Lisbon, Portugal | €0 maintenance pitch — confirm live | Bank tariff | CA digital | Digital brand of Caixa Central de Crédito Agrícola Mútuo / CA group. Portuguese FGD | |
 GoTyme Bank | 7.2 | Johannesburg, South Africa | Free banking on the homepage pitch — T&Cs apply | Not a travel FX product | South Africa digital bank | Registered bank — GoTyme Bank Ltd (formerly Tyme Bank Limited) | |
 Al Maryah / Mbank | 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 | |
| Tonik | 7.2 | Pasig, Philippines | Confirm live charges and limits page | Not a multi-currency travel bank | Philippines digital bank | Digital bank — Tonik Digital Bank, Inc. | |
 Tangerine | 7.1 | Toronto, Canada | No monthly on core chequing (conditions apply) | Retail FX — not Wise | 2M+ | Schedule I bank | |
 Niyo | 7.1 | Bengaluru, India | Product-dependent; forex cards often zero annual | Core pitch — live rates vs banks, still a spread | 4M+ | Forex / partner-bank | |
 Chime | 7.1 | San Francisco, United States | Free | Not a travel product | 22M+ | Partner-bank fintech | |
 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 | |
 B100 | 7.1 | A Coruña, Spain | Often €0 on core current — confirm live | Bank tariff, not Wise | Abanca digital arm | Commercial brand of Abanca Corporación Bancaria, S.A. | |
 BforBank | 7.1 | Paris, France | BforBASIC often €0 — confirm live; paid SKUs exist | Bank tariff, not Wise | ~500,000 | Credit institution | |
 HYPE | 7.1 | Biella / Milan, Italy | Free SKU plus paid plans — confirm live | Plan-gated, not Wise | ~1.5 million | Commercial brand of Banca Sella — FITD group | |
 Kroo | 7.1 | London, United Kingdom | £0 core current — confirm live | Not a travel champion — confirm live tariff | UK challenger-scale | UK bank — Kroo Bank Ltd, FRN 953772, company 10359002 | |
 Liv | 7.1 | Dubai, United Arab Emirates | AED 0 if salary ≥ AED 5,000 or spend/balance waivers; else AED 25/mo | Bank tariff | ENBD digital-scale | Digital brand of Emirates NBD Bank PJSC. Not a separate CBUAE digital-bank licence | |
 livi | 7.1 | Hong Kong, Hong Kong | Digital SKU — confirm live | Bank tariff | HK virtual-bank scale | Virtual bank — Livi Bank Limited. Deposit Protection Scheme member | |
 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 | |
 Wio | 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 | |
 Hayat Finans | 7.1 | Istanbul, Turkey | Fee-free banking is a homepage pitch — read the live product and service fees | Hayat FX — bank FX, not Wise | Türkiye digital participation bank | Digital participation bank — Hayat Finans Katılım Bankası A.Ş. Operating licence 23 March 2023 | |
 ruya | 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 | |
 Ancoria Bank | 7.1 | Nicosia, Cyprus | Confirm live on General Terms & Rates | Bank FX | Cyprus challenger bank | Local authorised credit institution — Ancoria Bank Limited | |
 Current | 7.0 | New York, United States | Free | US domestic | 4M+ | Fintech with partner banks | |
 ActivoBank | 7.0 | Lisbon, Portugal | Simple account often €0 — confirm live | Bank tariff, not Wise | Digital arm of BCP | Credit institution (Banco ActivoBank S.A., reg. 23) | |
 Banca Widiba | 7.0 | Milan, Italy | Account packs — confirm live | Bank tariff | MPS digital + advisor network | Credit institution — Banca Widiba S.p.A. (Wise Dialog Bank) | |
 ila Bank | 7.0 | Manama, Bahrain | Digital current SKUs — confirm live | Bank tariff | Bank ABC digital | Digital brand of Bank ABC — conventional retail bank | |
 indó | 7.0 | Reykjavík, Iceland | ISK 0 core pitch — confirm live | No FX-fee pitch — still an ISK bank | Iceland-scale | Savings bank — indó sparisjóður hf. | |
 isybank | 7.0 | Milan, Italy | Plan-priced — confirm live | Bank tariff | Intesa digital arm | Italian bank — isybank S.p.A., Intesa Sanpaolo group (ex Banca 5 / Banca ITB) | |
 iti | 7.0 | São Paulo, Brazil | Free digital-account pitch — confirm live | Not the job | Itaú digital arm | Digital brand of Itaú Unibanco S.A. | |
 Bank Jago | 7.0 | Jakarta, Indonesia | Free-transfer pitch — confirm live | Not a travel bank | Digital-bank scale | Bank — PT Bank Jago Tbk. Jago Syariah is the Sharia SKU | |
 KakaoBank | 7.0 | Seongnam, South Korea | KRW 0 core pitch — confirm live | Bank tariff / overseas SKUs | Tens of millions | Internet bank — KakaoBank Corp. | |
 Knab | 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 | |
 Krom Bank | 7.0 | Jakarta, Indonesia | Free-transfer quota pitch — confirm live | Not a travel bank | Digital-bank scale | Bank — PT Krom Bank Indonesia Tbk (ex Bank Bisnis Internasional) | |
 LHV Pank | 7.0 | Tallinn, Estonia | Account packs — confirm live | Bank tariff | Estonian bank-scale | Credit institution — AS LHV Pank | |
 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. | |
 Monabanq | 7.0 | Villeneuve-d'Ascq, France | Account packs — confirm live | Bank tariff | Online-bank scale | Online bank — Monabanq (Cofidis Group / Crédit Mutuel Alliance Fédérale) | |
 Discovery Bank | 7.0 | Sandton, South Africa | Vitality / product-dependent — confirm live on Discovery Bank | Bank FX | Discovery clients / SA digital bank | Registered bank — Discovery Bank Limited | |
 ONE ZERO | 7.0 | Tel Aviv, Israel | Digital private-banking packs — confirm live in-app | Confirm live (homepage markets FX as a feature) | 180,000 customers (their homepage, 2026) | Licensed bank — One Zero Digital Bank Ltd | |
 Jupiter | 6.9 | Bengaluru, India | Free core | N/A on domestic UPI; card FX on overseas spend | 8M+ | Partner-bank / NBFC stack | |
 Abanca | 6.9 | A Coruña, Spain | Account packs — confirm live tariff | High-street FX unless a named pack says otherwise | Retail bank-scale | Credit institution | |
 Aion Bank | 6.9 | Brussels, Belgium | Subscription-style packs historically — confirm live UniCredit tariff | Bank tariff | Belgian digital-bank scale | Belgian credit institution (now UniCredit group) | |
 Bank Zero | 6.9 | Sandton, South Africa | Low / free core pitch — confirm live | Rand product, not Wise | App-only SA | Mutual bank — Bank Zero Mutual Bank | |
 LeoBank | 6.9 | Baku, Azerbaijan | Free card pitch — confirm live | Bank tariff | Unibank digital-scale | Digital brand of Unibank CB OJSC — CBA licence 73 | |
 Lulo Bank | 6.9 | Bogotá, Colombia | Digital SKU — confirm live | Not a travel bank | Colombian digital-bank | Bank — Lulo Bank S.A. First 100% digital bank in Colombia. Fogafín member | |
 MeDirect | 6.9 | Sliema / Brussels, Malta | Savings / investment packaging — confirm live | Bank tariff | ~180,000 (MT+BE) | Credit institution — MeDirect Bank (Malta) plc, C34125 | |
 Zand | 6.9 | Dubai, United Arab Emirates | Confirm live tariff | Bank FX | UAE digital bank | Licensed bank — Zand Bank PJSC | |
 D360 Bank | 6.9 | Riyadh, Saudi Arabia | Confirm live — fees page on d360.com/en/services-fees | Bank FX | Saudi digital bank | Licensed digital bank — closed joint stock company | |
 STC Bank | 6.9 | Riyadh, Saudi Arabia | Confirm live in the STC Bank app | Confirm live | stc pay base converting to bank | Licensed digital bank (formerly Saudi Digital Payments Company / stc pay) | |
 Neo Financial | 6.8 | Calgary, Canada | $0 monthly on chequing, on the September 2026 agreement | Canadian dollar product. Other fees sit in the product schedules. | Canadian fintech | MSB and payment service provider | |
 OPay | 6.8 | Lagos, Nigeria | Free wallet | Card FX when a dollar card is issued | 40M+ | MMO / PSP (confirm current class) | |
 Agibank | 6.8 | Porto Alegre, Brazil | Pack-dependent | Not a travel bank | 6M+ | Bank (Banco Agibank) | |
 Aktia | 6.8 | Helsinki, Finland | Pack-dependent | Bank FX | Finnish retail-bank scale | Credit institution (Aktia Bank Plc) | |
 ALAT | 6.8 | Lagos, Nigeria | Digital SKU — confirm live | Naira product; dollar card is a separate tariff if issued | Millions on Wema rails | Digital bank product of Wema Bank Plc | |
 Jenius | 6.8 | Jakarta, Indonesia | Digital SKU — confirm live | FX / foreign-currency SKUs exist — bank tariff | SMBC Indonesia digital | Digital brand of PT Bank SMBC Indonesia Tbk (ex BTPN) | |
 Liobank | 6.8 | Ho Chi Minh City, Vietnam | Free-card pitch — confirm live | Bank tariff | OCB digital | Digital brand of Orient Commercial Joint Stock Bank (OCB). Not a separate SBV bank | |
 meem | 6.8 | Dhahran / Riyadh, Saudi Arabia | Digital SKU — confirm live | Bank tariff | GIB digital | Digital brand of Gulf International Bank — Saudi Arabia. Not a separate SAMA digital-bank licence | |
 Judo Bank | 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 | |
 Moneybase | 6.8 | Malta, Malta | Confirm live | Confirm live | Malta / EU payment account | Financial institution (payment services) — not a credit institution | |
 FriMi | 6.8 | Colombo, Sri Lanka | Confirm live in the FriMi app | Bank FX | Sri Lanka digital banking | Digital brand of Nations Trust Bank PLC — licensed commercial bank | |
 Vision Bank | 6.8 | Riyadh, Saudi Arabia | Confirm live on Fees & Charges | Bank FX | Saudi digital bank | Digital bank — Vision Bank Closed Joint Stock Company | |
 Kestrl | 6.7 | London, United Kingdom | Freemium / subscription SKUs — confirm live | Not the pitch | Tens of thousands | App + partner EMI/bank rails | |
 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 | |
 Be U | 6.7 | Kuala Lumpur, Malaysia | Islamic current / savings SKUs — confirm live | Not a travel card | Bank Islam digital | Digital brand of Bank Islam Malaysia Berhad — Islamic bank | |
 LHV Bank | 6.7 | London, United Kingdom | Product-priced — confirm live | Bank tariff | UK / fintech-banking | UK bank — LHV Bank Limited, FRN 993767, company 13180211 | |
 Airtel Payments Bank | 6.7 | Gurugram, India | Confirm live tariff | Not a travel-FX product (Niyo Global is the travel SKU in this catalog) | India payments bank | Payments bank — Airtel Payments Bank Ltd. Scheduled bank (Jan 2022). Banking Regulation Act s.22 | |
 AEON Bank | 6.6 | Kuala Lumpur, Malaysia | Digital-bank SKU — confirm live | Not a travel card | Launch-era | Islamic digital bank | |
 AMP Bank | 6.6 | Sydney, Australia | Product-dependent | Bank FX | ADI retail scale | Authorised deposit-taking institution (AMP Bank Limited) | |
 Komo | 6.6 | Taguig, Philippines | ₱0 core pitch — confirm live | Not a travel bank | EastWest digital | Digital brand of East West Rural Bank, Inc. (EastWest group). PDIC member | |
 LINE Bank Taiwan | 6.6 | Taipei, Taiwan | Digital SKU — confirm live | Bank tariff | Taiwan digital-bank scale | Internet-only bank — LINE Bank Taiwan Limited. CDIC member | |
 Alex Bank | 6.6 | Brisbane, Australia | $0 monthly or transaction fees on savings (when live) — loans have their own fees | Not a travel product | Australian digital ADI | Authorised deposit-taking institution — Alex Bank Pty Ltd, ABN 13 627 244 848, AFSL and ACL 510805 | |
 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 | |
 illimity | 6.5 | Milan, Italy | Bank tariff — confirm live | Not a travel bank | Specialty lender | Italian bank — illimity Bank S.p.A., Banca Ifis group | |
 Fino Payments Bank | 6.5 | Navi Mumbai, India | Confirm live | Not a travel-FX product | India payments bank / merchant network | Payments bank — Fino Payments Bank Limited | |
 India Post Payments Bank | 6.5 | New Delhi, India | Confirm live Rates & Charges | Not a travel product | India Post payments bank | Payments bank — India Post Payments Bank Limited | |
 Banxy | 6.4 | Algiers, Algeria | Pack-dependent (First / Gold / Platinum) — confirm live | Dinar product; Visa is the overseas rail | Natixis Algérie digital | Bank brand of Natixis Algérie (BPCE group) — not a separate EMI | |
 Klar | 6.4 | Mexico City, Mexico | Freemium / credit SKUs — confirm live | Not a travel bank | SOFIPO-scale | SOFIPO — Servicios Financieros Alternativos, S.A., S.F.P. (Klar). Not a banco múltiple | |
 mBank KG | 6.4 | Bishkek, Kyrgyzstan | Bank tariff — confirm live | Bank tariff | Kyrgyz retail | Bank — OJSC mBank (Bishkek). Not mBank S.A. Warsaw | |
 Dosh | 6.4 | Auckland, New Zealand | Confirm live in-app | Not a cross-border specialist | 40,000+ accounts (2025 trade press) | Fintech — funds held on trust at a NZ registered bank | |
 Slice | 6.3 | Bengaluru, India | Card-dependent | Domestic UPI; overseas on card tariff | 10M+ | Credit / partner-bank | |
 AVO bank | 6.3 | Tashkent, Uzbekistan | Digital-bank SKU — confirm live | Som product, not a travel card | Launch-era | Bank — JSC AVO BANK, licence no. 83 dated 2025-02-28 | |
 Affinity | 6.2 | Accra, Ghana | No monthly fee (pitch) | Not the product | 100k+ claimed 2025 | Savings and Loans | |
 Bankly | 6.2 | Lagos, Nigeria | MFB SKU — confirm live | Naira product | MFB-scale | Microfinance Bank — Bankly Microfinance Bank Limited | |
 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. | |
 Beacon | 6.0 | Runcorn, United Kingdom | £2 entrance + £1 minimum share — then CU tariff | Not a travel product | Common-bond CU | Beacon Credit Union Ltd, trading as Beacon Savings & Loans. Ex Halton Credit Union | |
 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. | |
 kubo.financiero | 5.9 | Mexico City, Mexico | Product-priced — confirm live | Not a travel bank | SOFIPO-scale | SOFIPO — Ku-Bo Financiero, S.A. de C.V., S.F.P. Nivel I | |
 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 | |
 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. | |
 Kakadu | 3.1 | Casablanca, Morocco | Not live | — | Waitlist | Waitlist brand. No named bank or payment-institution number on a live page this desk could read |