The Best Neobank Apps in 2026
The products were researched from official websites, including pricing pages, plan tables and product documentation. They are ranked on the core job of branchless banking, value for money and verified features, so buyers can compare dependable neobank apps for everyday personal or business finances.
Our top picks
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Top ranked
Starling Bank#1 of 559.3/10A no-monthly-fee UK bank account with budgeting, payments and savings tools.
Free plan
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Runner-up
bunq#2 of 559.2/10Flexible European banking with personal and business accounts, cards, and international transfers.
Free plan · 30-day trial
-
Top-ranked free plan
Monzo#3 of 559.1/10A free UK current account with budgeting tools, card controls and paid feature tiers.
Free plan
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
The full ranking 55 tools, best first · page 1 of 2
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Best forUK customers wanting a versatile everyday bank
A no-monthly-fee UK bank account with budgeting, payments and savings tools.
- Cash deposit support
- International transfers
9.3/10★★★★★Visit Starling Bank -
Best forPeople needing flexible personal and business accounts
Flexible European banking with personal and business accounts, cards, and international transfers.
- Cash deposit support
- International transfers
9.2/10★★★★★Visit bunq -
Best forUK users seeking budgeting and card controls
A free UK current account with budgeting tools, card controls and paid feature tiers.
- International transfers
9.1/10★★★★★Visit Monzo -
Best forBusinesses managing multi-currency spending
A business account for managing international money movement, cards, and expenses across teams.
- International transfers
8.9/10★★★★☆Try Revolut Business -
Best forUS users wanting no-fee checking and Zelle
Everyday checking with Zelle, cash deposits, and eligible early direct deposit.
- Early pay access
- Cash deposit support
Free plan · paid from $0/mo Our Capital One 360 Checking verdict → Visit Capital OneFor vendors Sponsor this spot · #5 · $59/mo →8.7/10★★★★☆Visit Capital One -
Best forKakaoTalk users seeking transfers and savings options
A mobile-only personal bank built around KakaoTalk transfers and savings options.
- Cash deposit support
- International transfers
8.6/10★★★★☆Visit KakaoBank -
Best forJapan-based users seeking yen and foreign-currency banking
A free-to-open Japanese online bank for everyday yen banking and remittances.
- Cash deposit support
- International transfers
8.5/10★★★★☆Visit Rakuten Bank -
Best forBrazilian users who use Pix and savings goals
Nubank pairs everyday Pix payments with goal-based savings in a free mobile account.
8.4/10★★★★☆Visit Nubank -
Best forUS users focused on savings goals and early deposits
Free mobile banking with goal-based savings, round-ups and early eligible direct deposits.
8.3/10★★★★☆Visit Current -
Best forPeople who want automated savings Spaces
A neobank for organizing money and automating savings through Spaces.
8.2/10★★★★☆Visit N26 -
Best forSoFi members seeking broader money tracking
Free account tracking and budgeting extend SoFi beyond banking, with Coach access tied to membership.
8.1/10★★★★☆Visit SoFi -
Best forUK users wanting free banking with interest
A free UK current account with interest, savings Pots and fee-free foreign card spending.
8.0/10★★★★☆Visit Kroo Bank -
Best forPeople who want shared Pockets and investing
A flexible European money app with shared IBAN Pockets and investing, but conditional free pricing.
7.9/10★★★★☆Visit Vivid Money -
Best forMulti-currency users wanting a free entry plan
A mobile money account with GBP, EUR and RON options and a free entry plan.
- International transfers
7.8/10★★★★☆Visit Monese -
Best forMobile savers who also need mortgage tracking
A mobile-first option for UK savers who want savings accounts and mortgage tracking in one app.
7.7/10★★★★☆Visit Atom bank -
Best forSwiss users needing multi-currency accounts and investing
A free Swiss personal account pairs four currencies with savings and investment options.
- International transfers
7.6/10★★★★☆Visit Alpian -
Best forPayPay users needing personal and business deposits
Free personal and business banking with PayPay links, ATM access, and PayForex remittance.
- Cash deposit support
- International transfers
7.5/10★★★★☆Visit PayPay Bank -
Best forGerman users wanting cash deposits and Pockets
A free German current account with cash deposits and paid tiers for more Pockets and cards.
- Cash deposit support
7.4/10★★★★☆Visit C24 Bank -
Best forNordic users wanting personal and business banking
A Nordic digital bank pairing free personal banking with paid tiers and business tools.
- International transfers
7.3/10★★★★☆Visit Lunar -
Best forSmall businesses needing free checking and integrations
No-fee business checking with invoicing, reserves, cards, and integrations.
- International transfers
7.2/10★★★★☆Visit Novo -
Best forSwiss users needing a multi-currency personal account
A free Swiss IBAN account with multi-currency payments, savings and investing in one mobile app.
- Cash deposit support
- International transfers
7.1/10★★★★☆Visit Yuh -
Best forUAE users wanting multi-currency and business accounts
A UAE-focused digital bank combining personal and business accounts with multi-currency tools.
- International transfers
7.0/10★★★★☆Visit Wio Bank -
Best forPhilippine users seeking savings goals and local transfers
A mobile bank combining savings goals, deposits, cards, and local transfers.
- Cash deposit support
6.8/10★★★☆☆Visit Maya Bank -
Best forIndonesian users organizing personal and business money
A mobile Indonesian bank for organizing personal and business money, not sending international transfers.
- Cash deposit support
6.7/10★★★☆☆Visit Bank Jago -
Best forNew U.S. residents seeking accessible checking
Checking and credit options for international users moving to the United States.
- International transfers
6.6/10★★★☆☆Visit Zolve -
Best forPhilippine users needing cash deposits and remittances
Free app-based banking with cash deposits, remittances, savings goals and stock access.
- Cash deposit support
- International transfers
6.5/10★★★☆☆Visit GoTyme Bank -
Best forKorean users wanting foreign-currency banking
A South Korea-focused mobile bank with everyday accounts and foreign-currency services.
- International transfers
6.4/10★★★☆☆Visit Toss Bank -
Best forAustralian users who want automated savings tools
A mobile-only Australian bank app built around automated savings and shared spending.
- Cash deposit support
- International transfers
6.3/10★★★☆☆Visit Up -
Best forBusinesses needing SGD and USD accounts with API access
A business-focused neobank with SGD and USD accounts, payments, cards and API access.
- International transfers
6.2/10★★★☆☆Visit Fazz -
Best forVietnamese users seeking mobile banking and savings goals
A free personal banking app for domestic payments, savings goals and cash-flow tracking.
- Cash deposit support
6.1/10★★★☆☆Visit Timo -
Best forSingapore users who bank and pay through Shopee
A mobile bank for Singapore users who want savings, payments and Shopee links.
- International transfers
6.0/10★★★☆☆Visit MariBank -
Best forNigerian users wanting digital banking and bill pay
A Nigeria-focused banking app that combines everyday payments with savings and investments.
- International transfers
5.9/10★★★☆☆Visit ALAT -
Best forBrazilian users seeking Pix and card options
A no-maintenance-fee account option with Pix, cards and investments, subject to conditions.
5.8/10★★★☆☆Visit C6 Bank -
Best forSingapore users seeking savings pockets and local transfers
Free Singapore banking with savings pockets, daily interest and local transfers.
5.7/10★★★☆☆Visit GXS Bank -
Best forIndonesian users who use Shopee and QRIS
A free Indonesian mobile bank for savings, QRIS payments and Shopee-linked spending.
- Cash deposit support
5.5/10★★★☆☆Visit SeaBank -
Best forIsraeli users seeking banking plus financial planning
A mobile-first Israeli bank combining everyday accounts with savings, investing and planning tools.
5.4/10★★★☆☆Visit ONE ZERO -
Best forUS savers seeking insured savings and ACH access
A no-monthly-fee savings account with web and mobile access, ACH transfers, and direct deposit.
5.3/10★★★☆☆Visit Openbank -
Best forIndonesian customers seeking banking and e-wallet links
A mobile banking app linking everyday accounts, payments, foreign currencies and investments.
- Cash deposit support
- International transfers
5.2/10★★★☆☆Visit Jenius -
Best forGerman-market mobile banking with tiered savings
A Germany- and Austria-eligible mobile account with tiered withdrawals, savings and shared-account options.
- Cash deposit support
- International transfers
5.1/10★★★☆☆Visit Tomorrow -
Best forSwiss personal and business users needing Wise transfers
Swiss accounts with cards, bill payments and Wise international transfers.
- International transfers
5.0/10★★☆☆☆Visit Yapeal -
Best forYounger U.S. users seeking spending, savings, and credit
A free U.S. mobile account pairs everyday spending with credit-building and savings tools.
- Early pay access
- Cash deposit support
4.9/10★★☆☆☆Visit Step -
Best forSwiss residents seeking banking, investing and retirement
A Swiss personal account app that pairs everyday payments with investing and Pillar 3a.
- International transfers
4.8/10★★☆☆☆Visit neon -
Best forPhilippine users seeking savings and time deposits
A free mobile bank app focused on everyday banking, savings and time deposits.
- Cash deposit support
4.7/10★★☆☆☆Visit UnionDigital -
Best forIndonesian users seeking savings and business banking
Mobile banking for Indonesian personal savings, payments and business banking.
4.6/10★★☆☆☆Visit site -
Best forPhilippine customers seeking mobile savings and payments
A free mobile bank for Philippine personal savings, transfers, QR payments, and bills.
- Cash deposit support
4.5/10★★☆☆☆Try UNO Digital Bank -
Best forImmigrants needing U.S. banking and international transfers
A mobile checking account with international transfers, calls and optional Plus features.
- Early pay access
- Cash deposit support
- International transfers
4.4/10★★☆☆☆Visit MAJORITY -
Best forUK sole traders needing invoicing and accounting links
A no-maintenance-fee UK business account with practical tools for sole traders.
- Cash deposit support
4.2/10★★☆☆☆Visit Mettle -
Best forSingapore businesses managing corporate card spending
A business spending platform with corporate cards, approvals, and accounting integrations.
4.1/10★★☆☆☆Visit Aspire -
Best forDave members needing an eligible short-term cash advance
An advance-focused service for eligible Dave members who need short-term cash.
4.0/10★★☆☆☆Visit Dave -
Best forBusinesses wanting a cash-underwritten charge card
A no-annual-fee business charge card with cash-based limits and spend management.
- International transfers
3.9/10★★☆☆☆Visit Mercury IO
No tools match those filters.
Compare at a glance
| # | Tool | Free plan | Paid from | Account scope | Cash deposit support | International transfers | Score |
|---|---|---|---|---|---|---|---|
| 1 | Starling Bank | Yes | Free | Both | Yes | Yes | 9.3 |
| 2 | bunq | Yes | €3.99/mo | Both | Yes | Yes | 9.2 |
| 3 | Monzo | Yes | £3/mo | Yes | 9.1 | ||
| 4 | Revolut Business | No | Yes | 8.9 | |||
| 5 | Capital One 360 Checking | Yes | Free | Personal | Yes | 8.7 | |
| 6 | KakaoBank | Yes | Free | Personal | Yes | Yes | 8.6 |
| 7 | Rakuten Bank | Yes | Free | Both | Yes | Yes | 8.5 |
| 8 | Nubank | Yes | Free | 8.4 | |||
| 9 | Current | Yes | Free | 8.3 | |||
| 10 | N26 | Yes | 8.2 | ||||
| 11 | SoFi | Yes | 8.1 | ||||
| 12 | Kroo Bank | Yes | Free | Personal | No | No | 8.0 |
| 13 | Vivid Money | Yes | €6.90/mo | Both | 7.9 | ||
| 14 | Monese | Yes | £29.95/yr | Yes | 7.8 | ||
| 15 | Atom bank | Yes | Free | Both | 7.7 | ||
| 16 | Alpian | Yes | Free | Personal | Yes | 7.6 | |
| 17 | PayPay Bank | Yes | Free | Both | Yes | Yes | 7.5 |
| 18 | C24 Bank | Yes | €5.90/mo | Personal | Yes | 7.4 | |
| 19 | Lunar | Yes | 39 DKK/mo | Both | Yes | 7.3 | |
| 20 | Novo | Yes | Free | Business | No | Yes | 7.2 |
| 21 | Yuh | Yes | Free | Personal | Yes | Yes | 7.1 |
| 22 | Wio Bank | Yes | Both | Yes | 7.0 | ||
| 23 | Maya Bank | Yes | Free | Both | Yes | 6.8 | |
| 24 | Bank Jago | Yes | Free | Both | Yes | No | 6.7 |
| 25 | Zolve | Yes | Free | Personal | Yes | 6.6 | |
| 26 | GoTyme Bank | Yes | Free | Personal | Yes | Yes | 6.5 |
| 27 | Toss Bank | Yes | Free | Both | Yes | 6.4 | |
| 28 | Up | Yes | Free | Personal | Yes | Yes | 6.3 |
| 29 | Fazz Business | Yes | Free | Business | No | Yes | 6.2 |
| 30 | Timo | Yes | Free | Personal | Yes | No | 6.1 |
| 31 | MariBank | Yes | Free | Both | No | Yes | 6.0 |
| 32 | ALAT by Wema | Yes | Free | Both | Yes | 5.9 | |
| 33 | C6 Bank | Yes | 5.8 | ||||
| 34 | GXS Bank | Yes | Free | Both | No | 5.7 | |
| 35 | SeaBank | Yes | Free | Both | Yes | 5.5 | |
| 36 | ONE ZERO | Yes | Both | No | 5.4 | ||
| 37 | Openbank | Yes | Free | Personal | No | No | 5.3 |
| 38 | Jenius | Both | Yes | Yes | 5.2 | ||
| 39 | Tomorrow | Yes | €4.90/mo | Personal | Yes | Yes | 5.1 |
| 40 | Yapeal | Yes | Both | Yes | 5.0 | ||
| 41 | Step | Yes | Free | Personal | Yes | 4.9 | |
| 42 | neon | Yes | 20 CHF/yr | Personal | No | Yes | 4.8 |
| 43 | UnionDigital Bank | Yes | Free | Personal | Yes | 4.7 | |
| 44 | Bank Neo Commerce neobank | Free | Both | 4.6 | |||
| 45 | UNO Digital Bank | Yes | Free | Personal | Yes | 4.5 | |
| 46 | MAJORITY | Yes | Personal | Yes | Yes | 4.4 | |
| 47 | Mettle | Yes | Business | Yes | No | 4.2 | |
| 48 | Aspire | Yes | 15 SGD/mo | 4.1 | |||
| 49 | Dave ExtraCash | No | 4.0 | ||||
| 50 | Mercury IO | Yes | Free | Business | No | Yes | 3.9 |
Head-to-head All 28 comparisons →
- Starling Bank vs bunq
- Starling Bank vs Monzo
- Starling Bank vs Revolut Business
- Starling Bank vs Capital One 360 Checking
- Starling Bank vs KakaoBank
- Starling Bank vs Rakuten Bank
- Starling Bank vs Nubank
- bunq vs Monzo
- bunq vs Revolut Business
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How we rank neobank apps
Every tool on this page was researched by iTechGuides Editors from its official website — pricing pages, plan tables and product documentation. We rank on how well each one does this category's core job, what the free or entry plan includes, and where it falls short. Where we have enough verified facts, the score out of 10 is a rubric — job fit, value and how much we could verify — shown with its breakdown on every tool's page; a tool we have not verified enough to score yet shows its rank without a number. Scores are re-checked when a product changes its plans. Read the full editorial policy, or submit a tool we missed.
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update