Every bank we track, in one place — then narrow it down by the region you actually bank in.
RERevolut
UK (Global) · Est. 2015
FREE TIERA banking super-app: multi-currency spending, in-app FX, crypto and stock trading, junior accounts and travel cover across tiered plans.
CryptoYes
Fees & ratesSee provider
AI features
AI spending insightsSmart budgetingAI investment recommendations
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
Wise (TransferWise)
UK (Global) · Est. 2011
Built for international money: transfers at the mid-market exchange rate with the fee stated upfront, plus multi-currency balances and a debit card.
CryptoNo
Fees & ratesSee provider
AI features
Smart FX routingAI cost comparisonPredictive transfer timing
Fees, rates and eligibility vary by country — check on the provider’s site.Open account 
Payoneer
US (Global) · Est. 2005
A receiving account for freelancers and businesses paid from abroad, with integrations into marketplaces such as Amazon, Fiverr and Upwork.
CryptoNo
Fees & ratesSee provider
AI features
AI invoice optimizationSmart payment routingWorking capital AI scoring
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site CHChime
United States · Est. 2012
FREE TIERUS neobank built around fee-free everyday banking, early access to direct deposits, and automatic round-up saving.
CryptoNo
Fees & ratesSee provider
AI features
AI savings automation (round-ups)Smart deposit detectionPredictive balance alerts
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site SOSoFi
United States · Est. 2011
FREE TIERUS fintech that puts banking, investing, lending and insurance behind a single login, including student loan refinancing.
CryptoYes
Fees & ratesSee provider
AI features
AI financial planningSmart investing recommendationsStudent loan refinance optimizer
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site Latin American digital bank operating across Brazil, Mexico and Colombia, built around a no-fee credit card and app-first accounts.
CryptoYes
Fees & ratesSee provider
AI features
AI credit scoringPredictive spending categorizationSmart savings goals
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
Wealthsimple
Canada · Est. 2014
Canadian fintech combining commission-free trading, robo-advising, crypto and a cash account, with tax filing built in.
CryptoYes
Fees & ratesSee provider
AI features
AI portfolio rebalancingTax-loss harvesting AISmart savings automation
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
N26
Germany (EU-wide) · Est. 2013
German neobank holding a full EU banking licence, with SEPA instant transfers, Spaces sub-accounts and a Metal tier aimed at travellers.
CryptoYes
Fees & ratesSee provider
AI features
AI spending categorizationSmart sub-accounts (Spaces)Predictive salary detection
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
Monzo
United Kingdom · Est. 2015
UK bank known for instant spending notifications, Salary Sorter for splitting income on payday, and Pots for goal-based saving.
CryptoNo
Fees & ratesSee provider
AI features
AI spending insightsSmart salary sorterPredictive bill tracking
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
bunq
Netherlands (EU) · Est. 2012
Dutch bank with a sustainability angle: tree planting tied to card spending, CO2 tracking, sub-accounts and dual-IBAN support.
CryptoNo
Fees & ratesSee provider
AI features
AI CO2 trackingSmart savings automationAI categorization
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
Starling Bank
United Kingdom · Est. 2014
UK digital bank with a full banking licence, an integrations marketplace, and personal, joint and business accounts in one app.
CryptoNo
Fees & ratesSee provider
AI features
AI spending insightsSmart saving goalsPredictive balance tracking
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
Klarna
Sweden (Global) · Est. 2005
Buy-now-pay-later provider expanding into a broader shopping, payments and banking app. Deferred payment is credit — check the terms.
CryptoNo
Fees & ratesSee provider
AI features
AI shopping assistantSmart payment schedulingPersonalized deal finder
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
GrabFin / GrabPay
Singapore (SE Asia) · Est. 2012
The financial arm of Southeast Asia's Grab super-app: e-wallet, lending, insurance and investments across Singapore, Malaysia, Indonesia and Thailand.
CryptoNo
Fees & ratesSee provider
AI features
AI credit scoring (underbanked)Smart savings goalsPredictive spending
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site PPPaytm Payments Bank
India · Est. 2010
FREE TIERIndian payments platform built on UPI transfers, with bill payments, fixed deposits, insurance and gold investing in one app.
CryptoNo
Fees & ratesSee provider
AI features
AI fraud detectionSmart bill remindersPersonalized offers
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site KAKakaoBank
South Korea · Est. 2017
FREE TIERSouth Korean internet-only bank backed by Kakao, with instant account opening, personal loans and KakaoTalk integration.
CryptoNo
Fees & ratesSee provider
AI features
AI credit assessmentSmart loan recommendationsSpending pattern AI
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site JBJudo Bank
Australia · Est. 2016
Australian challenger bank focused on SME lending and term deposits, pairing automated credit decisions with named relationship bankers.
CryptoNo
Fees & ratesSee provider
AI features
AI credit decisioningSmart relationship matchingPredictive cash flow analysis
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site SPstc pay
Saudi Arabia · Est. 2018
FREE TIERSaudi digital wallet and payments app covering international transfers, bill payments and cashback, with mada and Apple Pay support.
CryptoNo
Fees & ratesSee provider
AI features
AI spending categorizationSmart international transfersPersonalized offers
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site MNMashreq Neo
UAE · Est. 2017
FREE TIERUAE digital banking app from Mashreq, with instant card issuance, expense tracking, savings and personal loans.
CryptoNo
Fees & ratesSee provider
AI features
AI expense trackingSmart savings goalsPredictive credit offers
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site UAE digital bank licensed by the UAE Central Bank, serving both personal and corporate customers with API-based banking.
CryptoNo
Fees & ratesSee provider
AI features
AI-first digital bankingSmart KYC verificationAI-powered business lending
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site 
Airwallex
Australia (Global) · Est. 2015
Global business accounts with multi-currency wallets, batch payouts and API banking for cross-border operations.
CryptoNo
Fees & ratesSee provider
AI features
AI FX optimizationSmart payment routingPredictive cash flow
Fees, rates and eligibility vary by country — check on the provider’s site.Open account Capital at risk. This is not financial advice.
