Category
Wallets
E-money, stored-value and payment accounts. Not deposit-taking banks.
36Live
| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 SadaPay | 7.3 | Islamabad, Pakistan | Free transfers pitch — schedule of charges is live | International card spend marketed as best rates — confirm live schedule | 3 million users on the homepage pitch | EMI-class — Sadapay Private Limited, SECP 0136598. Parent SadaPay Technologies Ltd, DIFC licence #3263 | |
 PhonePe | 7.2 | Bengaluru, India | UPI is typically free at the handle. Confirm live wallet fees. | Not a travel account | UPI scale | Payments app / PPI + UPI stack — not a commercial bank | |
 NayaPay | 7.2 | Karachi, Pakistan | Free to join / free to stay on the homepage pitch — schedule of charges is live | International card spend — confirm live schedule | Pakistan EMI | Electronic Money Institution — NayaPay (Private) Limited. Not a bank | |
 Deblock | 6.9 | Lille, France | Standard free. Premium €10/month. | FX free up to €1,000/month on Standard, unlimited on Premium/Native, on the live pricing page. | EMI + CASP | Electronic money institution | |
 GCash | 6.9 | Taguig, Philippines | No monthly fee on the wallet. Cash-in, cash-out and some transfers have fees. | PHP wallet. Overseas products are separate. | ~94M have used GCash | Electronic money issuer | |
 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) | |
 MACH | 6.8 | Santiago, Chile | Prepaid SKU — confirm live | Card FX if any | Bci digital-scale | Prepaid / digital brand of Banco de Crédito e Inversiones. MACH is not a separate CMF bank | |
 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 | |
 Moneybase | 6.8 | Malta, Malta | Confirm live | Confirm live | Malta / EU payment account | Financial institution (payment services) — not a credit institution | |
 Barq | 6.7 | Riyadh, Saudi Arabia | Wallet SKU — confirm live | International transfers are a product — spread exists | 1M in 21 days at launch (claimed) | E-wallet — Barraq Finance Company (Decision 26/M SM/1445). Not a bank | |
 HyperJar | 6.7 | London, United Kingdom | £0 on core personal and kids cards — confirm live | Fee-free spend abroad is the pitch — read the live tariff | Family prepaid | E-money. Hyperlayer Limited. Card issued by Monavate | |
 Monese | 6.7 | London, United Kingdom | Simple / Plus / Premium plans — confirm live | Plan-gated | EMI-scale | EMI. Monese Ltd authorised as e-money. Accounts issued with PrePay Solutions (Edenred), FCA + NBB | |
 Mama Money | 6.6 | Cape Town, South Africa | Card account R29/mo on 2026 published schedule — confirm live | Remittance spread is the product | Remittance-scale | Remittance / payments fintech. Not a licensed bank. Not CODI | |
 Moneco | 6.6 | Paris, France | Freemium / corridor-priced — confirm live | Africa corridor + USDC spread is the product | Diaspora fintech | Fintech. Not a bank. Euro account via a French EMI / BaaS partner. USDC wallet is not FGDR | |
 albo | 6.5 | Mexico City, Mexico | Freemium / plus SKUs — confirm live | USD sleeves if any are a tariff, not a US bank | Millions in MX | IFPE (institución de fondos de pago electrónico) | |
 Algbra | 6.5 | London, United Kingdom | Confirm live ethical-account tariff | Transparent-fee pitch — still a spread | UK ethical-fintech scale | Authorised EMI — Algbra FS UK Limited, FRN 952360 | |
 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 | |
 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 | |
 B89 | 6.3 | Lima, Peru | Card / FX SKUs — confirm live | Cross-border is the product — spread exists | Fintech-scale | Fintech. Not an SBS bank | |
 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 | |
 11Onze | 6.2 | Barcelona, Spain | Account SKUs — confirm live | Business FX is a corridor product, not mid-market magic | Community-scale | Fintech community / wallet — not a Spanish credit institution | |
 Be-bunk | 6.2 | Nouméa / Paris, France | Inclusion SKU — confirm live | XPF/EUR is the home corridor | Pacific-scale | Payment account via Xpollens (BPCE EMI, CIB 51680). BEBUNK SAS, Paris RCS 892 121 559 | |
 Íkualo | 6.2 | Madrid / Brussels rails, Spain | Freemium plus card fees — confirm live | Corridor product, not mid-market magic | Migrant-fintech | EMI — Paynovate SA, ref. 0506763929. Íkualo is the brand | |
 KOHO | 6.2 | Toronto, Canada | Essential free; paid Extra/Everything plans | Plan-gated | Canadian fintech-scale | Fintech. Not a bank. Not currently a CDIC member. Partner-bank trust structure | |
 Littio | 6.2 | Bogotá, Colombia | $0 pitch — confirm live | USD ⇌ COP corridor is the product | LatAm dollar-app | Selenio S.A.S. (Littio Colombia). Own copy: not a financial entity. USD rails via unnamed US partners | |
 Keytom | 6.1 | Dubai marketing / Canada+CZ licences, United Arab Emirates | Account / card SKU — confirm live | Crypto-fiat conversion is the product | Crypto-fintech | MSB — KEYTOM SERVICES LTD, registration M21788474 | |
 Marygold & Co. | 6.1 | London, United Kingdom | App-priced — confirm live | Not the job | UK app-scale | Fintech. Marygold & Co. (UK). Easy-access savings provided by Griffin Bank Ltd. Not itself a bank | |
 Ligo | 6.0 | Lima, Peru | Prepaid SKU — confirm live | Card FX if any | EEDE-scale | EEDE — Tarjetas Peruanas Prepago S.A. (electronic-money issuer). Not an SBS bank | |
 Máximo | 5.8 | Lima, Peru | Prepaid SKU — confirm live | Not a travel bank | Youth prepaid | Fintech prepaid. Not an SBS banco. Ahorro Max sat with Alfintech / Alfin Banco in 2024 copy | |
 YAP | 5.8 | Dubai, United Arab Emirates | No minimum balance / no hidden fees on the waitlist pitch | Not a live product this pass | Waitlist (new YAP app) | YAP itself does not offer banking — powered by Ruya Community Islamic Bank LLC | |
 Miio | 5.7 | Mexico City, Mexico | Freemium / prepaid — confirm live | Not a travel bank | MX fintech | IFPE-class — Miio Payments. Not a banco. Not SOFIPO. Not IPAB | |
 Money Fellows | 5.7 | Cairo, Egypt | Circle / product-priced — confirm live | Not the job | ~8 million (app pitch) | Digital ROSCA / money-circle fintech. Not a licensed bank. CBE sandbox language on the store | |
 Kontigo Peru | 5.5 | Lima, Peru | Prepaid SKU — confirm live | Card FX if any | Peruvian prepaid | Fintech. Gmoney SA. Not an SBS bank. Not FSD | |
 Bankiom | 5.0 | Dubai, United Arab Emirates | Product unclear — confirm live | Not the job | Lifestyle leftover | Fintech. Not a CBUAE bank | |
 Lift Bank | 3.7 | Vitória, Brazil | Product paused — confirm live | — | Paused | LIFT PAGAMENTOS LTDA — CNPJ 32.761.142/0001-68. Not a banco múltiplo |