Category
Neobanks
Digital-only banks and challenger current accounts.
53Live
| 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 | |
 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 | |
 SoFi | 7.7 | San Francisco, United States | Free Checking & Savings | International ATM/spend fees apply | 10M+ | National bank charter (SoFi Bank, N.A.) | |
 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 | |
 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 | |
 Found | 7.3 | San Francisco, United States | Free core | US domestic | Self-employed base | Fintech with partner banks | |
 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 | |
 Varo Bank | 7.2 | San Francisco, United States | No monthly on core checking | US domestic | 7M+ | National bank charter | |
 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) | |
 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 | |
 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) | |
 Fi | 6.9 | Bengaluru, India | Free core | On US-investing FX conversion | 5M+ | Partner-bank fintech | |
 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 | |
 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 | |
| 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 | |
 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) | |
 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 | |
| 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. | |
 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. |