🇺🇸 Neobanks in the Americas

AI-powered digital banks across the US, Canada, and Latin America.

Wise (TransferWise)

UK (Global) · Est. 2011

FREE TIER

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

United States · Est. 2012

FREE TIER

US 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

United States · Est. 2011

FREE TIER

US 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

Brazil · Est. 2013

FREE TIER

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

Canada · Est. 2014

FREE TIER

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