name stringlengths 2 20 | category stringclasses 3
values | audience stringclasses 17
values | region stringclasses 11
values | hq stringlengths 1 20 | founded int64 2k 2.03k | custody stringclasses 4
values | regulation_type stringclasses 11
values | card_network stringclasses 11
values | card_type stringclasses 54
values | cashback stringlengths 2 26 ⌀ | yield stringlengths 4 40 ⌀ | stablecoins bool 2
classes | kyc stringclasses 3
values | domain stringlengths 6 21 | website stringlengths 14 29 | active_regions listlengths 0 7 | note stringlengths 14 149 | story stringlengths 53 249 ⌀ | licence stringlengths 7 139 ⌀ | founders stringlengths 6 59 ⌀ | funding stringlengths 9 107 ⌀ | terms_url stringlengths 22 69 ⌀ | privacy_url stringlengths 24 71 ⌀ | x_handle stringlengths 3 16 ⌀ | countries listlengths 1 20 ⌀ | investors listlengths 1 6 ⌀ | reported_users dict | fx_markup dict | ai stringclasses 3
values | services listlengths 2 8 ⌀ | volume dict |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Chime | traditional | general | US | San Francisco, US | 2,013 | Custodial | Partner-bank model | Visa | Debit | null | ~2% APY savings | false | Yes | chime.com | https://chime.com | [
"North America"
] | Largest US neobank; 20M+ members; SpotMe overdraft. | Built to end overdraft fees for paycheck-to-paycheck America; grew on two-day-early wage access and fee-free SpotMe. | Partner banks (The Bancorp, Stride) | Chris Britt, Ryan King | ~$2.3B raised | https://www.chime.com/policies/ | https://www.chime.com/policies/privacy-policy/ | Chime | [
"United States"
] | [
{
"name": "DST Global",
"website": "https://dst-global.com"
},
{
"name": "Sequoia Capital",
"website": "https://sequoiacap.com"
},
{
"name": "General Atlantic",
"website": "https://generalatlantic.com"
},
{
"name": "Tiger Global",
"website": "https://tigerglobal.com"
},... | {
"value_millions": 22,
"metric": "members",
"as_of": "2024"
} | null | null | null | null |
Varo | traditional | general | US | San Francisco, US | 2,015 | Custodial | Licensed bank | Visa | Debit | null | Up to 5% APY (conditions) | false | Yes | varomoney.com | https://varomoney.com | [
"North America"
] | First US consumer fintech with a national bank charter. | Spent three years and ~$100M to become the first US consumer fintech granted its own national bank charter. | National bank charter (2020) | Colin Walsh | ~$1B raised | https://www.varomoney.com/privacy-legal/ | https://www.varomoney.com/privacy/ | varomoney | [
"United States"
] | [
{
"name": "Warburg Pincus",
"website": "https://warburgpincus.com"
},
{
"name": "The Rise Fund (TPG)",
"website": "https://therisefund.com"
},
{
"name": "Lone Pine Capital",
"website": "https://lonepinecapital.com"
}
] | null | {
"markup": "0% foreign transaction fee, no exchange-rate markup; Visa wholesale rate",
"as_of": "2026-07",
"source": "https://support.varomoney.com/hc/en-us/articles/21998473318932-International-Travel"
} | null | null | null |
Current | traditional | general | US | New York, US | 2,015 | Custodial | Partner-bank model | Visa | Debit | Points | ~4% savings pods | false | Yes | current.com | https://current.com | [
"North America"
] | Everyday + teen banking; in-app crypto trading. | Started as a teen debit card, expanded to full-spectrum banking for Americans living paycheck to paycheck. | Partner banks (Choice, Cross River) | Stuart Sopp | ~$400M raised | null | null | current | [
"United States"
] | [
{
"name": "Andreessen Horowitz",
"website": "https://a16z.com"
},
{
"name": "Tiger Global",
"website": "https://tigerglobal.com"
},
{
"name": "Avenir Growth",
"website": "https://avenirgrowth.com"
},
{
"name": "Foundation Capital",
"website": "https://foundationcap.com"
... | null | {
"markup": "3% international transaction fee on all purchases (Visa wholesale rate)",
"as_of": "2026-07",
"source": "https://support.current.com/hc/en-us/articles/4408251826715-Can-I-use-my-card-Internationally"
} | null | null | null |
SoFi | traditional | general | US | San Francisco, US | 2,011 | Custodial | Licensed bank | Visa/MC | Debit | null | Up to ~4.5% APY (tiers) | true | Yes | sofi.com | https://sofi.com | [
"North America"
] | Bank charter; launched SoFiUSD stablecoin Dec 2025. | From Stanford alumni-funded student loans to a chartered digital bank; issued SoFiUSD stablecoin in Dec 2025. | National bank charter (2022) | Mike Cagney, Dan Macklin, James Finnigan, Ian Brady | Public (SOFI) | https://www.sofi.com/legal/ | https://www.sofi.com/legal/privacy/ | SoFi | [
"United States"
] | [
{
"name": "SoftBank",
"website": "https://softbank.jp"
},
{
"name": "Silver Lake",
"website": "https://silverlake.com"
},
{
"name": "Qatar Investment Authority",
"website": "https://qia.qa"
}
] | null | {
"markup": "0.2% conversion fee on debit foreign purchases/ATM (Mastercard); credit cards 0%",
"as_of": "2026-07",
"source": "https://support.sofi.com/hc/en-us/articles/360061173072-What-is-the-foreign-exchange-fee-on-the-SoFi-Checking-account"
} | interface | null | null |
Ally Bank | traditional | general | US | Detroit, US | 2,009 | Custodial | Licensed bank | MC | Debit | null | Competitive online savers | false | Yes | ally.com | https://ally.com | [
"North America"
] | Largest US digital-only bank; 3M+ customers. | Born from GMAC's 2009 rebrand into a branchless bank; proof digital-only could scale before the fintech era. | National bank charter | GMAC heritage | Public (ALLY) | https://www.ally.com/legal/ | https://www.ally.com/privacy/ | ally | [
"United States"
] | null | null | null | null | null | null |
Dave | traditional | general | US | Los Angeles, US | 2,016 | Custodial | Partner-bank model | Visa | Debit | null | null | false | Yes | dave.com | https://dave.com | [
"North America"
] | ExtraCash advances; budgeting-first. | Pitched as the bear that fights the banks: cash advances against overdrafts, then a full spending account. | Partner bank (Evolve) | Jason Wilk | Public (DAVE) | https://dave.com/terms | https://dave.com/privacy | davebanking | [
"United States"
] | [
{
"name": "Norwest Venture Partners",
"website": "https://nvp.com"
},
{
"name": "Section 32",
"website": "https://section32.com"
}
] | null | {
"markup": "3% foreign currency conversion fee on non-USD purchases (Mastercard wholesale rate)",
"as_of": "2026-07",
"source": "https://dave.com/deposit-agreement-coastal"
} | underwriting | null | null |
MoneyLion | traditional | general | US | New York, US | 2,013 | Custodial | Partner-bank model | Visa | Debit | null | null | false | Yes | moneylion.com | https://moneylion.com | [
"North America"
] | Banking + investing + credit-builder super-app. | null | Partner banks | Dee Choubey | Public; acquired by Gen Digital (2025) | https://www.moneylion.com/terms-and-conditions/ | https://www.moneylion.com/privacy-notice/ | MoneyLion | [
"United States"
] | null | null | null | underwriting | null | null |
One | traditional | general | US | Sacramento, US | 2,019 | Custodial | Partner-bank model | Visa | Debit | Up to 3% (Walmart) | ~4% APY savings | false | Yes | one.app | https://one.app | [
"North America"
] | Walmart-backed; embedded retail banking. | Walmart's play to own everyday banking for its 150M weekly shoppers; BNPL + debit + high-yield savings in one app. | Partner bank (Coastal Community) | Walmart x Ribbit venture | Walmart-majority | https://www.onepay.com/legal | https://www.onepay.com/legal/privacy-policies | one | [
"United States"
] | [
{
"name": "Walmart",
"website": "https://walmart.com"
},
{
"name": "Ribbit Capital",
"website": "https://ribbitcap.com"
}
] | null | null | null | null | null |
Marcus | traditional | general | US | New York, US | 2,016 | Custodial | Licensed bank | null | null | null | Competitive savers | false | Yes | marcus.com | https://marcus.com | [
"North America"
] | Goldman Sachs' consumer digital bank. | null | Goldman Sachs Bank USA national bank charter (OCC); Member FDIC | null | null | null | https://www.marcus.com/us/en/privacy-policy | MarcusGS | [
"United States"
] | null | null | null | null | null | null |
Step | traditional | gen z & students | US | Palo Alto, US | 2,018 | Custodial | Partner-bank model | Visa | Debit + credit builder | null | ~4% savings goals | false | Yes | step.com | https://step.com | [
"North America"
] | Teen banking + credit building, no fees. | Teen banking that builds credit history before 18 via a secured spend card. | Partner bank (Evolve) | CJ MacDonald | ~$175M+ raised | https://step.com/legal | https://step.com/policies/privacy | step | [
"United States"
] | [
{
"name": "Coatue",
"website": "https://coatue.com"
},
{
"name": "Stripe",
"website": "https://stripe.com"
},
{
"name": "General Catalyst",
"website": "https://generalcatalyst.com"
},
{
"name": "Crosslink Capital",
"website": "https://crosslinkcapital.com"
}
] | null | null | null | null | null |
Greenlight | traditional | gen alpha · kids & family | US | Atlanta, US | 2,014 | Custodial | Partner-bank model | MC | Debit | 1% (plan) | Up to 5% savings (plan) | false | Yes | greenlight.com | https://greenlight.com | [
"North America"
] | Family banking; chores + parental controls. | null | Partner bank (Community Federal) | Tim Sheehan, Johnson Cook | ~$550M raised | https://greenlight.com/terms | https://privacy.greenlight.com/policies | Greenlightcard | [
"United States"
] | [
{
"name": "Andreessen Horowitz",
"website": "https://a16z.com"
},
{
"name": "TTV Capital",
"website": "https://ttvcapital.com"
},
{
"name": "Canapi Ventures",
"website": "https://canapi.com"
},
{
"name": "Owl Ventures",
"website": "https://owlvc.com"
},
{
"name": ... | null | null | null | null | null |
Copper | traditional | gen alpha · kids & family | US | Seattle, US | 2,019 | Custodial | Partner-bank model | MC | Debit | null | null | false | Yes | getcopper.com | https://getcopper.com | [
"North America"
] | Teen banking + financial literacy. | null | Partner bank (Evolve Bank & Trust); relaunched family banking after 2024 Synapse collapse | Eddie Behringer, Stefan Berglund | ~$40M raised | https://www.getcopper.com/terms | null | getcopperapp | [
"United States"
] | null | null | null | null | null | null |
Till Financial | traditional | gen alpha · kids & family | US | Boston, US | 2,018 | Custodial | Partner-bank model | Visa | Debit | null | null | false | Yes | tillfinancial.io | https://tillfinancial.io | [
"North America"
] | Family banking for kids' smart spending. | null | Partner bank (Coastal Community Bank); FDIC pass-through; Visa debit cards | null | null | null | null | null | null | null | null | null | null | null | null |
GoHenry | traditional | gen alpha · kids & family | US | New York/London | 2,012 | Custodial | Partner-bank model | Visa/MC | Debit | null | null | false | Yes | gohenry.com | https://gohenry.com | [
"North America"
] | Kids' money app; acquired by Acorns. | UK parents crowdfunded a kids' money app that taught a generation pocket-money-by-chores. | Partner bank (Community Federal Savings Bank, US); UK cards via FCA-regulated e-money issuer | Louise Hill, Dean Brauer | Acquired by Acorns (2023) | https://www.gohenry.com/us/terms-and-conditions | https://www.gohenry.com/us/privacy-policy | gohenry | [
"United States",
"United Kingdom"
] | null | null | null | null | null | null |
Albert | traditional | general | US | Culver City, US | 2,015 | Custodial | Partner-bank model | MC | Debit | Offers | null | false | Yes | albert.com | https://albert.com | [
"North America"
] | Automated savings + 'Genius' advice. | null | Partner banks (Sutton Bank, Stride Bank; savings via Coastal Community Bank, Wells Fargo) | null | null | https://albert.com/terms | null | albertsavings | [
"United States"
] | [
{
"name": "CapitalG",
"website": "https://capitalg.com"
},
{
"name": "General Atlantic",
"website": "https://generalatlantic.com"
},
{
"name": "QED Investors",
"website": "https://qedinvestors.com"
}
] | null | null | interface | null | null |
Mercury | traditional | SMB & startups | US | San Francisco, US | 2,017 | Custodial | Partner-bank model | MC | Business debit + credit | 1.5% (IO card) | Treasury yield | false | Yes | mercury.com | https://mercury.com | [
"North America"
] | Startup banking; 200K+ companies. | Startup banking that absorbed half of YC after SVB collapsed; added IO cards and personal banking. | Partner banks (Choice, Column) | Immad Akhund | ~$450M (val ~$3.5B) | https://mercury.com/legal/terms | https://mercury.com/legal/privacy | mercury | [
"United States"
] | [
{
"name": "Andreessen Horowitz",
"website": "https://a16z.com"
},
{
"name": "Sequoia Capital",
"website": "https://sequoiacap.com"
},
{
"name": "CRV",
"website": "https://crv.com"
},
{
"name": "Coatue",
"website": "https://coatue.com"
}
] | null | {
"markup": "3% currency conversion fee on all non-USD card transactions (Mastercard rate)",
"as_of": "2026-07",
"source": "https://support.mercury.com/hc/en-us/articles/32529650270484-Understanding-conversion-fees-for-non-USD-card-transactions"
} | interface | [
"fiat-payin",
"fiat-payout",
"iban",
"virtual-cards"
] | null |
Brex | traditional | SMB & startups | US | San Francisco, US | 2,017 | Custodial | Partner-bank model | MC | Corporate credit | Points | Yield on idle cash | false | Yes | brex.com | https://brex.com | [
"North America"
] | Corporate cards + banking for startups. | Two Brazilian teens who sold a payments company before 20 rebuilt corporate cards around startup underwriting. | Partner banks | Henrique Dubugras, Pedro Franceschi | ~$1.5B raised | https://www.brex.com/legal | https://www.brex.com/legal/privacy | brexHQ | [
"United States"
] | [
{
"name": "Y Combinator",
"website": "https://ycombinator.com"
},
{
"name": "DST Global",
"website": "https://dst-global.com"
},
{
"name": "Greenoaks",
"website": "https://greenoaks.com"
},
{
"name": "Ribbit Capital",
"website": "https://ribbitcap.com"
},
{
"name"... | null | {
"markup": "Up to 3% FX markup on transactions needing conversion; local-currency cards avoid it",
"as_of": "2026-07",
"source": "https://www.brex.com/support/using-brex-internationally"
} | null | null | null |
Ramp | traditional | SMB & startups | US | New York, US | 2,019 | Custodial | Partner-bank model | Visa | Corporate card | 1.5% | Treasury yield | false | Yes | ramp.com | https://ramp.com | [
"North America"
] | Spend management + business accounts. | Spend management that markets itself on saving companies money; among the fastest-growing SaaS-fintechs ever. | Partner banks | Eric Glyman, Karim Atiyeh, Gene Lee | ~$1B+ (val ~$22B, 2025) | https://ramp.com/legal | https://ramp.com/legal/privacy-policy | tryramp | [
"United States"
] | [
{
"name": "Founders Fund",
"website": "https://foundersfund.com"
},
{
"name": "Thrive Capital",
"website": "https://thrivecap.com"
},
{
"name": "Khosla Ventures",
"website": "https://khoslaventures.com"
},
{
"name": "Stripe",
"website": "https://stripe.com"
},
{
"... | null | null | null | null | null |
Novo | traditional | SMB & startups | US | Miami, US | 2,016 | Custodial | Partner-bank model | MC | Business debit | null | null | false | Yes | novo.co | https://novo.co | [
"North America"
] | SMB checking for small operators. | null | Partner bank (Middlesex Federal Savings, F.A.); Mastercard debit; credit card via Continental Bank | Michael Rangel, Tyler McIntyre | ~$170M raised | https://www.novo.co/legal | https://www.novo.co/legal/privacy | banknovo | [
"United States"
] | [
{
"name": "Valar Ventures",
"website": "https://valar.com"
},
{
"name": "Stripes",
"website": "https://stripes.co"
},
{
"name": "Crosslink Capital",
"website": "https://crosslinkcapital.com"
}
] | null | null | null | null | null |
Bluevine | traditional | SMB & startups | US | Redwood City, US | 2,013 | Custodial | Partner-bank model | MC | Business debit | null | ~2% APY checking | false | Yes | bluevine.com | https://bluevine.com | [
"North America"
] | SMB checking + credit lines. | null | Partner bank (Coastal Community Bank) + sweep-network program banks (up to $3M FDIC); credit line via Celtic Bank | Eyal Lifshitz | ~$770M incl. debt | null | https://www.bluevine.com/privacy-policy | Bluevine | [
"United States"
] | [
{
"name": "Lightspeed",
"website": "https://lsvp.com"
},
{
"name": "Menlo Ventures",
"website": "https://menlovc.com"
},
{
"name": "83North",
"website": "https://83north.com"
},
{
"name": "Citi Ventures",
"website": "https://citi.com"
}
] | null | null | null | null | null |
Relay | traditional | SMB & startups | US | Toronto/US | 2,018 | Custodial | Partner-bank model | Visa | Business debit | null | Yield on savings | false | Yes | relayfi.com | https://relayfi.com | [
"North America"
] | Multi-account SMB banking (Profit First). | null | Partner bank (Thread Bank, Member FDIC); previously Evolve Bank & Trust | Yoseph West | ~$100M raised | https://relayfi.com/terms/ | https://relayfi.com/privacy/ | relayfinancial | [
"United States",
"Canada"
] | [
{
"name": "Bain Capital Ventures",
"website": "https://baincapitalventures.com"
},
{
"name": "Better Tomorrow Ventures",
"website": "https://btv.vc"
},
{
"name": "Garage Capital",
"website": "https://garage.vc"
}
] | null | null | null | null | null |
NorthOne | traditional | SMB & startups | US | New York, US | 2,016 | Custodial | Partner-bank model | MC | Business debit | null | null | false | Yes | northone.com | https://northone.com | [
"North America"
] | SMB banking for main-street businesses. | null | Partner bank (The Bancorp Bank, N.A.); Mastercard business debit | null | null | null | null | null | null | [
{
"name": "Battery Ventures",
"website": "https://battery.com"
},
{
"name": "Redpoint",
"website": "https://redpoint.com"
}
] | null | null | null | null | null |
Rho | traditional | SMB & startups | US | New York, US | 2,018 | Custodial | Partner-bank model | MC | Corporate card | Up to 1.75% | Treasury | false | Yes | rho.co | https://rho.co | [
"North America"
] | Corporate banking + spend platform. | null | Partner bank (Webster Bank, N.A.); savings swept across 400+ FDIC banks via ADM | Everett Cook, Alex Wheldon | ~$205M raised | https://www.rho.co/policies/terms-of-service | https://www.rho.co/policies/privacy-policy | rhobusiness | [
"United States"
] | [
{
"name": "DFJ Growth",
"website": "https://dfjgrowth.com"
},
{
"name": "M13",
"website": "https://m13.co"
}
] | null | null | null | null | null |
Grasshopper | traditional | SMB & startups | US | New York, US | 2,019 | Custodial | Licensed bank | Visa | Business debit | 1% | Competitive APY | false | Yes | grasshopper.bank | https://grasshopper.bank | [
"North America"
] | Chartered digital bank for startups + SMBs. | null | National bank charter (de novo 2019) | null | null | null | null | null | null | null | null | null | null | null | null |
Found | traditional | freelancers & creators | US | San Francisco, US | 2,019 | Custodial | Partner-bank model | MC | Business debit | null | null | false | Yes | found.com | https://found.com | [
"North America"
] | Banking + taxes for the self-employed. | null | Partner bank (Lead Bank); FDIC pass-through up to $250k; formerly Piermont Bank | null | ~$70M raised | https://found.com/legal | https://found.com/legal/privacy | foundforbiz | [
"United States"
] | [
{
"name": "Sequoia Capital",
"website": "https://sequoiacap.com"
},
{
"name": "Founders Fund",
"website": "https://foundersfund.com"
},
{
"name": "Lightspeed",
"website": "https://lsvp.com"
}
] | null | null | null | null | null |
Lili | traditional | freelancers & creators | US | New York, US | 2,018 | Custodial | Partner-bank model | Visa | Business debit | null | ~Savings APY (plan) | false | Yes | lili.co | https://lili.co | [
"North America"
] | Freelancer banking with tax buckets. | null | Partner bank (Sunrise Banks, N.A.); wires via Column Bank; formerly Choice Financial | Lilac Bar David, Liran Zelkha | ~$80M raised | https://lili.co/legal-documents/lili-terms-of-use | https://lili.co/legal-documents/lili-privacy-policy | LiliBanking | [
"United States"
] | [
{
"name": "Group 11",
"website": "https://group11.vc"
},
{
"name": "Target Global",
"website": "https://targetglobal.vc"
}
] | null | null | null | null | null |
Karat | traditional | freelancers & creators | US | Los Angeles, US | 2,019 | Custodial | Partner-bank model | Visa | Business card | Creator perks | null | false | Yes | trykarat.com | https://trykarat.com | [
"North America"
] | Financial services built for creators. | Underwrites creators on audience data instead of FICO. | Partner bank (Grasshopper Bank, N.A.); Karat Visa credit card issued by Cross River Bank | Eric Wei, Will Kim | ~$100M+ incl. debt | null | null | null | null | [
{
"name": "Union Square Ventures",
"website": "https://usv.com"
},
{
"name": "SignalFire",
"website": "https://signalfire.com"
}
] | null | null | null | null | null |
Branch | traditional | gig workers | US | Minneapolis, US | 2,015 | Custodial | Partner-bank model | Visa | Debit | null | null | false | Yes | branchapp.com | https://branchapp.com | [
"North America"
] | Instant pay + wallets for gig/hourly workers. | null | Partner banks (Lead Bank; Evolve Bank & Trust); Mastercard debit for workforce payouts | Atif Siddiqi | ~$100M+ raised | https://www.branchapp.com/terms | https://www.branchapp.com/privacy | branchapp | [
"United States"
] | null | null | null | null | null | null |
Panacea Financial | traditional | healthcare pros | US | Little Rock, US | 2,020 | Custodial | Licensed bank | Visa | Debit + credit | null | null | false | Yes | panaceafinancial.com | https://panaceafinancial.com | [
"North America"
] | Banking for doctors, dentists, vets. | Founded by two physicians who couldn't get loans during residency; banking for doctors, dentists and vets. | Division of Primis Bank (NASDAQ: FRST) — operates under Primis's US bank charter; FDIC-insured | Michael Jerkins, Ned Palmer | null | null | null | null | null | null | null | null | null | null | null |
Purple | traditional | disabilities | US | New York, US | 2,018 | Custodial | Partner-bank model | MC | Debit | null | null | false | Yes | getpurple.io | https://getpurple.io | [
"North America"
] | Banking for people with disabilities; ABLE-friendly. | Banking for people with disabilities designed not to endanger ABLE benefit eligibility. | Partner bank (OMB Bank, Member FDIC); Mastercard debit issued by OMB Bank | John Ciocca | null | https://www.getpurple.io/terms-of-service | https://www.getpurple.io/privacy-policy | joinpurple | [
"United States"
] | null | null | null | null | null | null |
True Link | traditional | seniors | US | San Francisco, US | 2,012 | Custodial | Partner-bank model | Visa | Prepaid | null | null | false | Yes | truelinkfinancial.com | https://truelinkfinancial.com | [
"North America"
] | Cards protecting seniors + vulnerable adults. | Prepaid cards with guardrails protecting seniors from fraud and financial abuse. | Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards | Kai Stinchcombe, Claire McDonnell | null | null | null | null | null | null | null | null | null | null | null |
Charlie | traditional | seniors | US | Los Angeles, US | 2,022 | Custodial | Partner-bank model | Visa | Debit | null | Early Social Security access | false | Yes | charliefinancial.com | https://charliefinancial.com | [
"North America"
] | Banking built for the 62+ community. | Banking for the 62+ crowd: early Social Security access and fraud protection over rewards points. | Partner bank (Sutton Bank); Visa debit; FDIC pass-through insurance | Kevin Nazemi | ~$23M raised | null | null | null | null | null | null | null | null | null | null |
Greenwood | traditional | Black community | US | Atlanta, US | 2,020 | Custodial | Partner-bank model | MC | Debit | null | null | false | Yes | gogreenwood.com | https://gogreenwood.com | [
"North America"
] | Digital banking for Black + Latino communities. | Named for Tulsa's Black Wall Street; digital banking recirculating capital in Black and Latino communities. | Partner bank (Coastal Community Bank); Mastercard debit; FDIC pass-through | Ryan Glover, Killer Mike, Andrew Young | ~$40M+ raised | null | https://gogreenwood.com/privacy-policy/ | Greenwood | [
"United States"
] | [
{
"name": "Truist",
"website": "https://truist.com"
},
{
"name": "Bank of America",
"website": "https://bankofamerica.com"
},
{
"name": "SoftBank",
"website": "https://softbank.jp"
}
] | null | null | null | null | null |
MoCaFi | traditional | Black community | US | New York, US | 2,016 | Custodial | Partner-bank model | MC | Debit | null | null | false | Yes | mocafi.com | https://mocafi.com | [
"North America"
] | Closing the racial wealth gap via public-sector rails. | Ex-JPMorgan banker's answer to Ferguson: closing the racial wealth gap via public-sector disbursement rails. | Partner bank (Sunrise Banks, N.A., Member FDIC) for accounts and Mastercard debit | Wole Coaxum | ~$30M+ raised | https://www.mocafi.com/terms-of-service | https://www.mocafi.com/privacy-policy | MoCaFi | [
"United States"
] | null | null | null | null | null | null |
Majority | traditional | immigrants & migrants | US | Houston, US | 2,019 | Custodial | Partner-bank model | Visa | Debit | null | null | false | Yes | majority.com | https://majority.com | [
"North America"
] | $5.99/mo membership banking for migrants; no SSN needed. | Membership banking for migrants: no SSN required, community advisors, bundled calling + remittance. | Partner bank (Axiom Bank, N.A.); Visa debit; credit card issued by WebBank | Magnus Larsson | ~$100M+ raised | https://majority.com/en/terms-conditions/ | https://majority.com/en/privacy-policy/ | majority | [
"United States"
] | [
{
"name": "Valar Ventures",
"website": "https://valar.com"
},
{
"name": "Heartcore Capital",
"website": "https://heartcore.com"
}
] | null | null | null | null | null |
Zolve | traditional | immigrants & migrants | US | New York/Bengaluru | 2,020 | Custodial | Partner-bank model | MC | Credit + debit | Rewards | null | false | Yes | zolve.com | https://zolve.com | [
"North America"
] | US credit for arriving immigrants (IN→US corridor). | Credit cards for Indians landing in the US, underwritten on home-country data before they have a FICO. | Partner bank (Community Federal Savings Bank); deposits, debit and credit cards | Raghunandan G | ~$300M incl. debt | https://zolve.com/policies/global/terms-of-use | https://zolve.com/privacy-policy | zolvehq | [
"United States",
"India"
] | [
{
"name": "Accel",
"website": "https://accel.com"
},
{
"name": "Lightspeed",
"website": "https://lsvp.com"
},
{
"name": "DST Global",
"website": "https://dst-global.com"
},
{
"name": "Creaegis",
"website": "https://creaegis.com"
}
] | null | null | null | null | null |
Comun | traditional | immigrants & migrants | US | New York, US | 2,021 | Custodial | Partner-bank model | Visa | Debit | null | null | false | Yes | comun.app | https://comun.app | [
"North America"
] | Banking for Latino immigrants; passport onboarding. | Built by Mexican founders for Latino immigrants: passport onboarding and fast remittance. | Partner bank (Community Federal Savings Bank); Visa debit; FDIC pass-through | Andres Santos, Abiel Gutierrez | ~$50M+ raised | https://www.comun.app/en/legal | https://www.comun.app/en/legal/comun-privacy-policy | comunapp | [
"United States"
] | [
{
"name": "Redpoint",
"website": "https://redpoint.com"
},
{
"name": "Costanoa Ventures",
"website": "https://costanoa.vc"
},
{
"name": "South Park Commons",
"website": "https://southparkcommons.com"
}
] | null | null | null | null | null |
Ellevest | traditional | women | US | New York, US | 2,014 | Custodial | Partner-bank model | null | null | null | null | false | Yes | ellevest.com | https://ellevest.com | [
"North America"
] | Women-first investing platform with banking roots. | Wall Street veteran Sallie Krawcheck's bet that investing designed around women's pay curves and lifespans closes the gender money gap. | SEC-registered investment adviser; Partner bank (Coastal Community Bank) for cash accounts | Sallie Krawcheck, Charlie Kroll | ~$150M raised | https://www.ellevest.com/terms-of-service | null | Ellevest | [
"United States"
] | null | null | null | null | null | null |
First Women's Bank | traditional | women | US | Chicago, US | 2,021 | Custodial | Licensed bank | MC | Business banking | null | null | false | Yes | firstwomens.bank | https://firstwomens.bank | [
"North America"
] | Women-founded, women-led chartered bank for women-owned SMBs. | The first US bank founded by women, led by women, focused on lending to women-owned businesses. | National bank charter | Marianne Markowitz + founding team | null | null | null | null | null | null | null | null | null | null | null |
KOHO | traditional | general | Canada | Toronto, CA | 2,014 | Custodial | Licence pending (partner model today) | MC | Prepaid | Up to 2% | Up to ~4% interest | false | Yes | koho.ca | https://koho.ca | [
"North America"
] | Canada's leading prepaid neobank; credit building. | null | Pursuing Schedule 1 bank licence | Daniel Eberhard | ~C$400M raised | https://www.koho.ca/legal/ | null | KOHOfinancial | [
"Canada"
] | [
{
"name": "Drive Capital",
"website": "https://drivecapital.com"
},
{
"name": "Portage",
"website": "https://sagard.com"
},
{
"name": "Eldridge",
"website": "https://eldridge.com"
}
] | null | null | null | null | null |
Neo Financial | traditional | general | Canada | Calgary, CA | 2,019 | Custodial | Partner-bank model | MC | Credit + savings | ~5% at partners | ~3-4% savings | false | Yes | neofinancial.com | https://neofinancial.com | [
"North America"
] | Partner-merchant cashback network. | SkipTheDishes founders' second act: cashback-network banking from Calgary. | Partner banks (Peoples Bank of Canada, Concentra Bank); CDIC-insured deposits | Andrew Chau, Jeff Adamson | ~C$400M raised | https://www.neofinancial.com/legal | https://www.neofinancial.com/legal/privacy-policy | neofinancial | [
"Canada"
] | [
{
"name": "Valar Ventures",
"website": "https://valar.com"
},
{
"name": "Golden Ventures",
"website": "https://golden.ventures"
}
] | null | null | null | null | null |
Wealthsimple | traditional | general | Canada | Toronto, CA | 2,014 | Custodial | Broker-led | MC | Prepaid | 1% | ~4% on cash (tiers) | false | Yes | wealthsimple.com | https://wealthsimple.com | [
"North America"
] | Investing-first; custodial crypto trading. | Canada's index-investing evangelist turned full-stack money app with crypto. | Broker-led: CIRO-registered investment dealer (WSII); cash held at CDIC member banks | Michael Katchen, Brett Huneycutt | Power Corp-backed; ~C$1B+ | https://www.wealthsimple.com/en-ca/legal/terms | https://www.wealthsimple.com/en-ca/legal/privacy | Wealthsimple | [
"Canada"
] | [
{
"name": "Power Corporation",
"website": "https://powercorporation.com"
},
{
"name": "Allianz X",
"website": "https://allianzx.com"
},
{
"name": "Meritech Capital",
"website": "https://meritechcapital.com"
},
{
"name": "Greylock",
"website": "https://greylock.com"
},
... | null | null | null | null | null |
EQ Bank | traditional | general | Canada | Toronto, CA | 2,016 | Custodial | Licensed bank | MC | Prepaid | 0.5% | ~4% everyday interest | false | Yes | eqbank.ca | https://eqbank.ca | [
"North America"
] | Digital arm of Equitable Bank. | null | Trade name of Equitable Bank, Schedule I chartered bank (OSFI, Canada); CDIC member | null | null | https://www.eqbank.ca/legal | https://www.eqbank.ca/legal/privacy | EQBank | [
"Canada"
] | null | null | null | null | null | null |
Mogo | hybrid | general | Canada | Vancouver, CA | 2,003 | Custodial | VASP / MSB / crypto licences | Visa | Prepaid | BTC cashback | null | false | Yes | mogo.ca | https://mogo.ca | [
"North America"
] | Prepaid + custodial bitcoin rewards. | null | Cards issued by Peoples Trust Company; MogoTrade is a CIRO-regulated broker (Canada) | David Feller, Greg Feller | Public (MOGO) | null | null | null | null | null | null | null | null | null | null |
Monzo | traditional | general | UK | London, UK | 2,015 | Custodial | Licensed bank | MC | Debit | null | ~4% savings pots | false | Yes | monzo.com | https://monzo.com | [
"Europe"
] | 12M+ customers; UK licence; US expansion. | The hot-coral card that made banking a brand; born from the Mondo prepaid beta and a record 96-second crowdfund. | UK banking licence | Tom Blomfield + 4 co-founders | ~£1.1B raised | https://monzo.com/legal/terms-and-conditions/ | https://monzo.com/legal/privacy-notice/ | monzo | [
"United Kingdom",
"United States"
] | [
{
"name": "Accel",
"website": "https://accel.com"
},
{
"name": "Passion Capital",
"website": "https://passioncapital.com"
},
{
"name": "General Catalyst",
"website": "https://generalcatalyst.com"
},
{
"name": "Y Combinator",
"website": "https://ycombinator.com"
},
{
... | {
"value_millions": 12,
"metric": "customers",
"as_of": "2025"
} | {
"markup": "0% foreign transaction fee; Mastercard exchange rate, all tiers",
"as_of": "2026-07",
"source": "https://monzo.com/help/travelling/understanding-fees"
} | null | [
"fiat-payin",
"fiat-payout",
"iban",
"virtual-cards"
] | null |
Starling Bank | traditional | general | UK | London, UK | 2,014 | Custodial | Licensed bank | MC | Debit | null | ~3-4% on balances | false | Yes | starlingbank.com | https://starlingbank.com | [
"Europe"
] | Profitable; Engine SaaS platform. | Anne Boden left a 30-year banking career at 54 to build the UK's first consistently profitable neobank. | UK banking licence | Anne Boden | ~£900M raised | https://www.starlingbank.com/legal/ | https://www.starlingbank.com/legal/privacy-notice/ | StarlingBank | [
"United Kingdom"
] | [
{
"name": "Goldman Sachs",
"website": "https://goldmansachs.com"
},
{
"name": "Fidelity",
"website": "https://fidelity.com"
},
{
"name": "Qatar Investment Authority",
"website": "https://qia.qa"
},
{
"name": "Chrysalis",
"website": "https://chrysalisinvestments.co.uk"
}... | null | {
"markup": "0% foreign transaction fee; Mastercard rate, no markup, any day/amount",
"as_of": "2026-07",
"source": "https://www.starlingbank.com/travel/"
} | interface | null | null |
Atom Bank | traditional | general | UK | Durham, UK | 2,014 | Custodial | Licensed bank | null | null | null | Competitive fixed savers | false | Yes | atombank.co.uk | https://atombank.co.uk | [
"Europe"
] | App-only bank, no card. | null | UK banking licence | Anthony Thomson, Mark Mullen | null | https://www.atombank.co.uk/terms/ | null | atom_bank | [
"United Kingdom"
] | [
{
"name": "BBVA",
"website": "https://bbva.com"
},
{
"name": "Toscafund",
"website": "https://toscafund.com"
}
] | null | null | null | null | null |
Zopa Bank | traditional | general | UK | London, UK | 2,020 | Custodial | Licensed bank | Visa | Credit | null | ~4-5% savings | false | Yes | zopa.com | https://zopa.com | [
"Europe"
] | P2P pioneer turned licensed bank. | Invented P2P lending in 2005, then traded the model for a full bank licence. | UK banking licence (2020) | Giles Andrews, James Alexander | ~$1B raised | https://www.zopa.com/terms-of-use | https://www.zopa.com/privacy-notice | zopa | [
"United Kingdom"
] | [
{
"name": "SoftBank",
"website": "https://softbank.jp"
},
{
"name": "Augmentum Fintech",
"website": "https://augmentum.vc"
}
] | null | null | underwriting | null | null |
Chase UK | traditional | general | UK | London, UK | 2,021 | Custodial | Partner-bank model | Visa | Debit | 1% | ~4-5% saver | false | Yes | chase.co.uk | https://chase.co.uk | [
"Europe"
] | JPMorgan's UK digital bank. | null | UK subsidiary of JPMorgan | null | null | https://www.chase.co.uk/gb/en/legal/ | https://www.chase.co.uk/gb/en/legal/privacy-notice/ | ChaseUK | [
"United Kingdom"
] | null | null | null | null | null | null |
Kroo | traditional | general | UK | London, UK | 2,016 | Custodial | Licensed bank | MC | Debit | null | ~4% on balances | false | Yes | kroo.com | https://kroo.com | [
"Europe"
] | Licensed UK bank; social features. | null | UK banking licence | Nazim Valimahomed | null | https://kroo.com/documents/current-account-terms-and-conditions.html | null | getkroo | [
"United Kingdom"
] | null | null | null | null | null | null |
Tide | traditional | SMB & startups | UK | London, UK | 2,015 | Custodial | E-money institution | MC | Business debit | Cashback (plan) | null | false | Yes | tide.co | https://tide.co | [
"Europe"
] | 1M+ SME members (UK + India). | null | E-money; deposits via ClearBank | George Bevis | ~$300M raised | https://www.tide.co/terms/ | https://www.tide.co/privacy/ | TideBusiness | [
"United Kingdom",
"India",
"Germany"
] | [
{
"name": "Apax",
"website": "https://apax.com"
},
{
"name": "Anthemis",
"website": "https://anthemis.com"
},
{
"name": "Augmentum Fintech",
"website": "https://augmentum.vc"
},
{
"name": "LocalGlobe",
"website": "https://localglobe.vc"
},
{
"name": "Speedinvest",... | null | {
"markup": "Free plan 2.75% FX on non-GBP card txns; Smart/Pro/Max 0% (UK business)",
"as_of": "2026-07",
"source": "https://www.tide.co/features/expense-cards/"
} | null | null | null |
ANNA Money | traditional | SMB & startups | UK | Cardiff, UK | 2,017 | Custodial | E-money institution | MC | Business debit | 1% select | null | false | Yes | anna.money | https://anna.money | [
"Europe"
] | SME banking with AI admin assistant. | null | E-money | Eduard Panteleev, Boris Dyakonov | null | https://anna.money/terms-and-conditions/ | https://anna.money/privacy-policy | ANNA_money | [
"United Kingdom",
"Australia"
] | null | null | null | null | null | null |
OakNorth | traditional | SMB & startups | UK | London, UK | 2,015 | Custodial | Licensed bank | null | null | null | Competitive savers | false | Yes | oaknorth.co.uk | https://oaknorth.co.uk | [
"Europe"
] | Profitable SMB lender-bank. | null | Full UK banking licence (PRA/FCA, 2015) | null | null | null | null | null | null | [
{
"name": "SoftBank",
"website": "https://softbank.jp"
},
{
"name": "Clermont Group",
"website": "https://theclermontgroup.com"
},
{
"name": "GIC",
"website": "https://www.gic.com.sg"
},
{
"name": "Toscafund",
"website": "https://toscafund.com"
}
] | null | null | underwriting | null | null |
Allica Bank | traditional | SMB & startups | UK | Milton Keynes, UK | 2,019 | Custodial | Licensed bank | MC | Business | null | Rewards account | false | Yes | allica.bank | https://allica.bank | [
"Europe"
] | Established-SMB challenger bank. | null | Full UK banking licence (PRA/FCA authorised) | null | null | null | null | null | null | [
{
"name": "TCV",
"website": "https://tcv.com"
},
{
"name": "Warwick Capital Partners",
"website": "https://warwickcapital.com"
},
{
"name": "Atalaya Capital",
"website": "https://atalayacap.com"
}
] | null | null | null | null | null |
Curve | traditional | general | UK | London, UK | 2,015 | Custodial | E-money institution | MC | Card aggregator | 1% select | null | false | Yes | curve.com | https://curve.com | [
"Europe"
] | All cards in one; go-back-in-time. | null | E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania) | Shachar Bialick | ~$250M raised | https://www.curve.com/en-gb/terms/ | https://www.curve.com/en-gb/privacy/ | imaginecurve | [
"United Kingdom",
"European Union"
] | null | null | {
"markup": "Interbank 0% up to £/€250/mo then 2.99%; +1.5% weekend/holiday surcharge",
"as_of": "2026-07",
"source": "https://help.curve.com/en_gb/killer-fx-HyquHdnUu"
} | null | null | null |
Zempler Bank | traditional | SMB & startups | UK | London, UK | 2,005 | Custodial | Licensed bank | MC | Business debit | null | null | false | Yes | zemplerbank.com | https://zemplerbank.com | [
"Europe"
] | Formerly Cashplus; SME-focused. | null | Full UK banking licence (PRA/FCA, Feb 2021, ex-Cashplus); FSCS-protected | null | null | null | null | null | null | null | null | null | null | null | null |
Monese | traditional | immigrants & migrants | UK | London, UK | 2,013 | Custodial | E-money institution | MC | Debit | null | null | false | Yes | monese.com | https://monese.com | [
"Europe"
] | No-credit-history onboarding; consumer app scaled back to B2B (XYB). | An Estonian founder rejected by UK banks built no-credit-history onboarding for migrants; consumer app later folded into B2B platform XYB. | FCA-authorised e-money institution (FRN 900960); UK accounts as agent of PrePay Technologies; owned by Pockit | Norris Koppel | ~$200M raised | https://monese.com/gb/en/legal | https://www.monese.com/privacy | monese | [
"United Kingdom",
"European Union"
] | [
{
"name": "Kinnevik",
"website": "https://kinnevik.com"
},
{
"name": "PayPal Ventures",
"website": "https://paypal.com"
},
{
"name": "Augmentum Fintech",
"website": "https://augmentum.vc"
},
{
"name": "HSBC",
"website": "https://hsbc.com"
}
] | null | null | null | null | null |
Pockit | traditional | underbanked | UK | London, UK | 2,014 | Custodial | E-money institution | MC | Prepaid | null | null | false | Yes | pockit.com | https://pockit.com | [
"Europe"
] | Accounts for the underbanked; absorbed Monese users. | Accounts for the UK's financially excluded; absorbed Monese's consumer base. | E-money via FCA-authorised EMIs (Modulr, PSI-Pay); owns Monese's EMI licence | Virraj Jatania | null | null | null | null | null | null | null | null | null | null | null |
Suits Me | traditional | underbanked | UK | Cheshire, UK | 2,015 | Custodial | E-money institution | MC | Debit | Retail cashback | null | false | Yes | suitsmecard.com | https://suitsmecard.com | [
"Europe"
] | No-credit-check accounts for excluded workers. | null | E-money accounts issued by PrePay Technologies (FCA EMI, FRN 900010); Suits Me acts as agent/programme manager | null | null | null | null | null | null | null | null | null | null | null | null |
Tandem Bank | traditional | climate | UK | London, UK | 2,013 | Custodial | Licensed bank | null | null | null | Competitive savers | false | Yes | tandem.co.uk | https://tandem.co.uk | [
"Europe"
] | Green digital bank; home-efficiency lending. | Pivoted from challenger #2 to a green lender financing home decarbonisation. | UK banking licence | null | null | null | https://www.tandem.co.uk/privacy-policy | tandem | [
"United Kingdom"
] | [
{
"name": "Pollen Street Capital",
"website": "https://pollencap.com"
}
] | null | null | null | null | null |
Algbra | traditional | faith-based | UK | London, UK | 2,020 | Custodial | E-money institution | MC | Debit | Ethical rewards | null | false | Yes | algbra.com | https://algbra.com | [
"Europe"
] | Shariah-aligned, ethics-first UK fintech. | Shariah-compliant, values-based finance for the two billion people underserved on ethics. | E-money institution (FCA, FRN 952360, UK) | Zeiad Idris, Fizel Nejabat | null | https://www.algbra.com/terms-and-conditions/ | null | algbra | [
"United Kingdom"
] | null | null | null | null | null | null |
Kestrl | traditional | faith-based | UK | London, UK | 2,019 | Custodial | E-money institution | null | null | null | Halal savings | false | Yes | kestrl.io | https://kestrl.io | [
"Europe"
] | Muslim money app; UK + Malaysia. | Muslim money app helping users grow wealth without interest. | Accounts and cards issued by AF Payments Ltd, FCA-authorised e-money institution (FRN 900440) | Areeb Siddiqui, Daeng Termizi | null | null | null | null | null | null | null | null | null | null | null |
Wahed | traditional | faith-based | US/UK | New York, US | 2,015 | Custodial | Broker-led | Visa | Debit (US) | null | Halal portfolios | false | Yes | wahed.com | https://wahed.com | [] | Halal investing + banking features. | null | SEC-registered investment adviser; broker/custody via Apex Clearing (FINRA/SIPC) | Junaid Wahedna | ~$75M raised | https://www.wahed.com/legal | https://www.wahed.com/legal/privacy-policy | WahedInvest | [
"United States",
"United Kingdom",
"Malaysia"
] | null | null | null | null | null | null |
N26 | traditional | general | Europe | Berlin, DE | 2,013 | Custodial | Licensed bank | MC | Debit | null | ~2-4% (region) | false | Yes | n26.com | https://n26.com | [
"Europe"
] | 8M+ customers; crypto via partner in some markets. | Berlin's minimalist bank that scaled across the EU, retreated from UK/US, and finally reached profitability. | German banking licence | Valentin Stalf, Maximilian Tayenthal | ~$1.8B raised | null | null | n26 | [
"Germany",
"Austria",
"France",
"Spain",
"Italy",
"Netherlands",
"Belgium",
"Portugal",
"Ireland",
"Greece",
"Poland"
] | [
{
"name": "Valar Ventures",
"website": "https://valar.com"
},
{
"name": "Insight Partners",
"website": "https://insightpartners.com"
},
{
"name": "Tencent",
"website": "https://www.tencent.com"
},
{
"name": "Allianz X",
"website": "https://allianzx.com"
},
{
"name... | null | {
"markup": "0% N26 markup on card payments; Mastercard rate passed through (Standard plan)",
"as_of": "2026-07",
"source": "https://n26.com/en-eu/using-debit-card-abroad"
} | null | [
"on-ramp",
"off-ramp",
"fiat-payin",
"fiat-payout",
"iban",
"virtual-cards"
] | null |
bunq | traditional | general | Europe | Amsterdam, NL | 2,012 | Custodial | Licensed bank | MC | Debit | 1% (plan) | Up to ~3.4% interest | false | Yes | bunq.com | https://bunq.com | [
"Europe"
] | EU-wide; API-first; 'Bank of The Free'. | Ali Niknam bootstrapped the Netherlands' first new banking licence in 35 years with his own money. | Dutch banking licence | Ali Niknam | Founder-funded (~€100M of Niknam's own) + raises | https://www.bunq.com/documents/personal-account-terms-conditions | https://www.bunq.com/documents/privacy-policy | bunq | [
"Netherlands",
"Germany",
"France",
"Spain",
"Italy",
"Belgium",
"Austria",
"Ireland",
"Portugal"
] | [
{
"name": "Pollen Street Capital",
"website": "https://pollencap.com"
}
] | null | {
"markup": "Mastercard rate + 0.5% up to €1,000/yr; 3% conversion fee above that (Free plan)",
"as_of": "2026-07",
"source": "https://www.bunq.com/personal-account/banking-plans/bunq-free"
} | interface | [
"fiat-payin",
"fiat-payout",
"iban",
"multi-currency",
"virtual-cards"
] | null |
Vivid Money | traditional | general | Europe | Berlin, DE | 2,019 | Custodial | MiCA CASP (EU) | Visa | Debit | Up to 3% (tiers) | ~4% (tiers) | false | Yes | vivid.money | https://vivid.money | [
"Europe"
] | Cashback + investing; custodial crypto. | null | E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025) | Alexander Emeshev, Artem Yamanov | ~$200M+ raised | https://vivid.money/de-ch/legal-documents/ | https://vivid.money/de-ch/privacy-policy/ | vivid_money | [
"Germany",
"France",
"Spain",
"Italy",
"Netherlands"
] | [
{
"name": "Ribbit Capital",
"website": "https://ribbitcap.com"
},
{
"name": "SoftBank",
"website": "https://softbank.jp"
},
{
"name": "Greenoaks",
"website": "https://greenoaks.com"
}
] | null | {
"markup": "Visa base rate + up to 1% on non-EUR (0.5% rising toward 1% outside FX-market hours)",
"as_of": "2026-07",
"source": "https://support.vivid.money/en/articles/8680120-what-s-the-exchange-rate-for-purchases-made-in-a-currency-other-than-the-euro"
} | null | [
"on-ramp",
"off-ramp",
"fiat-payin",
"fiat-payout",
"iban",
"multi-currency",
"virtual-cards"
] | null |
Tomorrow | traditional | climate | Europe | Hamburg, DE | 2,018 | Custodial | Partner-bank model | Visa | Debit | null | null | false | Yes | tomorrow.one | https://tomorrow.one | [
"Europe"
] | Climate-positive spending. | Hamburg social business: card spend funds climate projects. | Partner bank (Solaris SE, full German banking licence, BaFin-supervised) | Inas Nureldin, Jakob Berndt, Michael Schweikart | null | null | null | null | null | null | null | null | null | null | null |
C24 Bank | traditional | general | Europe | Frankfurt, DE | 2,020 | Custodial | Partner-bank model | MC | Debit | null | Interest on balance | false | Yes | c24.de | https://c24.de | [
"Europe"
] | CHECK24's digital bank. | null | Full German banking licence (BaFin); CHECK24 subsidiary | null | null | null | null | null | null | null | null | null | null | null | null |
Kontist | traditional | freelancers & creators | Europe | Berlin, DE | 2,016 | Custodial | Partner-bank model | Visa | Business debit | null | null | false | Yes | kontist.com | https://kontist.com | [
"Europe"
] | Freelancer banking with auto tax buckets. | Freelancer banking that auto-reserves German taxes in real time. | Partner bank (Solaris SE, BaFin-licensed); German IBAN accounts | Christopher Plantener | null | null | null | null | null | null | null | null | null | null | null |
Fyrst | traditional | SMB & startups | Europe | Bonn, DE | 2,019 | Custodial | Partner-bank model | Visa | Business debit | null | null | false | Yes | fyrst.de | https://fyrst.de | [
"Europe"
] | Deutsche Bank's SMB digital brand. | null | Brand of Deutsche Bank AG — full German banking licence (ECB/BaFin); Postbank rails | null | null | null | null | null | null | null | null | null | null | null | null |
Qonto | traditional | SMB & startups | Europe | Paris, FR | 2,016 | Custodial | Licence pending (partner model today) | MC | Business debit | null | null | false | Yes | qonto.com | https://qonto.com | [
"Europe"
] | 500K+ SME clients across FR/DE/ES/IT. | Europe's SME banking leader out of Paris; absorbed Penta to own the German market too. | Payment institution (ACPR); pursuing credit licence | Alexandre Prot, Steve Anavi | ~€620M raised | null | https://qonto.com/en/legal-documents/privacy-notice | getqonto | [
"France",
"Germany",
"Spain",
"Italy"
] | [
{
"name": "Valar Ventures",
"website": "https://valar.com"
},
{
"name": "Alven",
"website": "https://alven.co"
},
{
"name": "Tencent",
"website": "https://www.tencent.com"
},
{
"name": "DST Global",
"website": "https://dst-global.com"
},
{
"name": "TCV",
"webs... | null | {
"markup": "Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only)",
"as_of": "2026-07",
"source": "https://support-fr.qonto.com/hc/en-us/articles/23947693926929-Can-I-use-my-Qonto-card-abroad"
} | interface | [
"fiat-payin",
"fiat-payout",
"iban",
"virtual-cards"
] | null |
Shine | traditional | freelancers & creators | Europe | Paris, FR | 2,017 | Custodial | Payment institution | MC | Business debit | null | null | false | Yes | shine.fr | https://shine.fr | [
"Europe"
] | Freelancer banking (Société Générale). | null | Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale | Nicolas Reboud, Raphaël Simon | Acquired by SocGen (2020), later Ageras | null | null | null | null | null | null | null | null | null | null |
Indy | traditional | freelancers & creators | Europe | Lyon, FR | 2,016 | Custodial | E-money institution | MC | Business account | null | null | false | Yes | indy.fr | https://indy.fr | [
"Europe"
] | Freelancer accounting + banking. | null | Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN | null | null | null | null | null | null | [
{
"name": "Singular",
"website": "https://singular.vc"
}
] | null | null | null | null | null |
Sumeria (Lydia) | traditional | general | Europe | Paris, FR | 2,013 | Custodial | E-money institution | Visa | Debit | null | ~2-4% on balance | false | Yes | sumeria.eu | https://sumeria.eu | [
"Europe"
] | France's P2P leader turned full account. | France's 'send me a Lydia' P2P verb rebranded to Sumeria to become a real current account. | E-money institution (Lydia Solutions, ACPR France, CIB 17598); credit-institution licence applied for | Cyril Chiche, Antoine Porte | ~€260M raised | https://www.sumeria.eu/en/legal/ | null | sumeria_app | [
"France"
] | [
{
"name": "Tencent",
"website": "https://www.tencent.com"
},
{
"name": "Accel",
"website": "https://accel.com"
},
{
"name": "Dragoneer",
"website": "https://dragoneer.com"
}
] | null | null | null | null | null |
Nickel | traditional | underbanked | Europe | Paris, FR | 2,014 | Custodial | Partner-bank model | MC | Debit | null | null | false | Yes | nickel.eu | https://nickel.eu | [
"Europe"
] | Open an account at the tabac; 4M+ across FR/ES/BE/PT/DE. | Opened accounts through 6,500 tobacco shops — banking where French banks refused to go. | Payment institution (Financière des Paiements Électroniques, ACPR no. 16598); BNP Paribas subsidiary | Hugues Le Bret, Ryad Boulanouar | Acquired by BNP Paribas (2017) | null | null | nickel | [
"France",
"Spain",
"Belgium",
"Portugal",
"Germany"
] | null | null | null | null | null | null |
BoursoBank | traditional | general | Europe | Paris, FR | 1,995 | Custodial | Licensed bank | Visa | Debit + credit | null | Competitive savers | false | Yes | boursobank.com | https://boursobank.com | [
"Europe"
] | France's largest online bank; 7M+ (SocGen). | null | Bank (Société Générale) | null | null | null | null | BoursoBank | [
"France"
] | null | null | null | null | null | null |
Hello bank! | traditional | general | Europe | Paris, FR | 2,013 | Custodial | Licensed bank | Visa | Debit | null | null | false | Yes | hellobank.fr | https://hellobank.fr | [
"Europe"
] | BNP Paribas' digital bank. | null | Operates under BNP Paribas' French banking licence (direct-bank brand) | null | null | null | null | null | null | null | null | null | null | null | null |
Fortuneo | traditional | general | Europe | Brest, FR | 2,000 | Custodial | Licensed bank | MC | Debit + credit | null | Savers + brokerage | false | Yes | fortuneo.fr | https://fortuneo.fr | [
"Europe"
] | Crédit Mutuel Arkéa's online bank. | null | Crédit Mutuel Arkéa banking licence (ACPR, France); brand of the group's online bank | null | null | null | null | null | null | null | null | null | null | null | null |
Lunar | traditional | general | Europe | Aarhus, DK | 2,015 | Custodial | Licensed bank | Visa | Debit | null | ~3-4% (tiers) | false | Yes | lunar.app | https://lunar.app | [
"Europe"
] | Nordic neobank (DK/SE/NO). | null | Danish banking licence | Ken Villum Klausen | ~$500M raised | null | https://www.lunar.app/en/privacy-policy | lunar | [
"Denmark",
"Sweden",
"Norway"
] | [
{
"name": "Kinnevik",
"website": "https://kinnevik.com"
},
{
"name": "Tencent",
"website": "https://www.tencent.com"
},
{
"name": "Seed Capital",
"website": "https://seedcapital.dk"
},
{
"name": "Greyhound Capital",
"website": "https://greyhoundcapital.com"
}
] | null | null | interface | null | null |
Northmill | traditional | general | Europe | Stockholm, SE | 2,006 | Custodial | Licensed bank | MC | Debit | Cashback offers | Savings | false | Yes | northmill.com | https://northmill.com | [
"Europe"
] | Swedish licensed digital bank. | null | Swedish banking licence (Finansinspektionen, since 2019) | null | null | null | null | null | null | null | null | null | null | null | null |
Rocker | traditional | general | Europe | Stockholm, SE | 2,017 | Custodial | Licensed bank | MC | Debit | null | Savings | false | Yes | rocker.com | https://rocker.com | [
"Europe"
] | Swedish challenger; pay + save + loans. | null | Operates under Bankaktiebolaget Nordiska's Swedish banking licence (Finansinspektionen); own PI licence returned Sep 2025 | null | null | null | null | null | null | null | null | null | null | null | null |
indó | traditional | general | Europe | Reykjavík, IS | 2,018 | Custodial | Licensed bank | MC | Debit | null | Competitive ISK savers | false | Yes | indo.is | https://indo.is | [
"Europe"
] | Iceland's first neobank. | null | Icelandic banking licence | Haukur Skúlason, Tryggvi Björn Davíðsson | null | null | null | null | null | null | null | null | null | null | null |
Hype | traditional | general | Europe | Milan, IT | 2,015 | Custodial | E-money institution | MC | Debit | Offers | null | false | Yes | hype.it | https://hype.it | [
"Europe"
] | One of Italy's largest neobanks (Banca Sella). | null | E-money institution (IMEL, Banca d'Italia); being merged into Banca Sella (2026) | null | null | null | null | null | null | null | null | null | null | null | null |
Tinaba | traditional | general | Europe | Milan, IT | 2,015 | Custodial | Partner-bank model | MC | Debit | null | null | false | Yes | tinaba.com | https://tinaba.com | [
"Europe"
] | Italian money app with Banca Profilo. | null | Partner bank (Banca Profilo, Bank of Italy register no. 5271); Tinaba is the tech layer | null | null | null | null | null | null | null | null | null | null | null | null |
Flowe | traditional | climate | Europe | Milan, IT | 2,020 | Custodial | E-money institution | MC | Debit (wooden card) | null | null | false | Yes | flowe.com | https://flowe.com | [
"Europe"
] | Banca Mediolanum's green digital bank. | null | E-money institution (IMEL, Bank of Italy, 2019); founded by Banca Mediolanum | null | null | null | null | null | null | null | null | null | null | null | null |
buddybank | traditional | general | Europe | Milan, IT | 2,018 | Custodial | Licensed bank | MC | Debit | null | null | false | Yes | buddybank.com | https://buddybank.com | [
"Europe"
] | UniCredit's iPhone-native bank. | null | UniCredit S.p.A. digital service — operates under UniCredit's Italian banking licence (ECB supervised) | null | null | null | null | null | null | null | null | null | null | null | null |
isybank | traditional | general | Europe | Milan, IT | 2,023 | Custodial | Licensed bank | MC | Debit | null | null | false | Yes | isybank.com | https://isybank.com | [
"Europe"
] | Intesa Sanpaolo's cloud-native digital bank. | null | Own Italian banking licence (Intesa Sanpaolo group; ECB/Banca d'Italia supervised) | null | null | null | null | null | null | null | null | null | null | null | null |
Openbank | traditional | general | Europe | Madrid, ES | 1,995 | Custodial | Licensed bank | Visa/MC | Debit | null | Competitive savers | false | Yes | openbank.es | https://openbank.es | [
"Europe"
] | Santander's digital bank; now US/MX too. | null | Full banking licence within Santander Group (ECB/Bank of Spain); US via Santander Bank N.A. | null | null | null | null | null | null | null | null | null | null | null | null |
imagin | traditional | gen z & students | Europe | Barcelona, ES | 2,020 | Custodial | Licensed bank | Visa | Debit | null | null | false | Yes | imagin.com | https://imagin.com | [
"Europe"
] | CaixaBank's youth-first money app. | null | Operates under CaixaBank's Spanish banking licence (ECB/Bank of Spain supervised) | null | null | null | null | null | null | null | null | null | null | null | null |
MyInvestor | traditional | general | Europe | Madrid, ES | 2,017 | Custodial | Licensed bank | Visa | Debit | null | Competitive savers + funds | false | Yes | myinvestor.es | https://myinvestor.es | [
"Europe"
] | Andbank's digital bank + broker. | null | Own Spanish banking licence (MyInvestor Banco S.A., Banco de España no. 1544; Andbank group); CNMV supervised | null | null | null | null | null | null | null | null | null | null | null | null |
ZEN.com | traditional | general | Europe | Vilnius, LT | 2,018 | Custodial | E-money institution | MC | Debit | Up to 1.5% | null | false | Yes | zen.com | https://zen.com | [
"Europe"
] | EU e-money; multicurrency + merchant tools. | null | E-money institution (Bank of Lithuania, LB000457, 2018) | null | null | null | null | null | null | null | null | null | null | null | null |
Paysera | traditional | general | Europe | Vilnius, LT | 2,004 | Custodial | E-money institution | Visa | Debit | null | null | false | Yes | paysera.com | https://paysera.com | [
"Europe"
] | Baltic multicurrency veteran. | null | E-money institution licence (Bank of Lithuania, 2012); EEA passported | null | null | null | null | null | null | null | null | null | null | null | null |
Trade Republic | traditional | general | Europe | Berlin, DE | 2,015 | Custodial | Licensed bank | Visa | Debit | 1% saveback | ~ECB rate on cash | false | Yes | traderepublic.com | https://traderepublic.com | [
"Europe"
] | Broker with full bank licence; custodial crypto. | Berlin broker that pays ECB rate on cash and hands out 1% saveback — a bank disguised as a savings plan. | German full banking licence (2023) | Christian Hecker, Thomas Pischke, Marco Cancellieri | ~€1.2B raised | null | https://assets.traderepublic.com/assets/files/Privacy-Website_en-DE.pdf | traderepublic | [
"Germany",
"France",
"Spain",
"Italy",
"Netherlands",
"Austria",
"Belgium",
"Ireland",
"Portugal"
] | [
{
"name": "Sequoia Capital",
"website": "https://sequoiacap.com"
},
{
"name": "Accel",
"website": "https://accel.com"
},
{
"name": "Founders Fund",
"website": "https://foundersfund.com"
},
{
"name": "Thrive Capital",
"website": "https://thrivecap.com"
},
{
"name":... | null | null | null | null | null |
Finom | traditional | SMB & startups | Europe | Amsterdam, NL | 2,019 | Custodial | E-money institution | Visa | Business debit | Up to 3% | null | false | Yes | finom.co | https://finom.co | [
"Europe"
] | SMB/freelancer banking across the EU. | null | E-money institution (FINOM Payments B.V., DNB Netherlands); EU/EEA passporting | Ex-Modulbank team (Novikov, Laguta, Petrov, Stiskin) | ~€180M raised | null | null | null | null | null | null | null | null | null | null |
Wise | traditional | travel & digital nomads | Europe | London, UK | 2,011 | Custodial | E-money institution | Visa/MC | Debit | null | Interest on balances (region) | false | Yes | wise.com | https://wise.com | [
"Europe",
"North America",
"Asia",
"Oceania",
"Latin America",
"Africa",
"MENA"
] | Mid-market-rate FX; 16M+ customers. | Two Estonians tired of hidden FX fees built mid-market-rate transfers; now moving £100B+ a year. | E-money/payment licences globally | Kristo Käärmann, Taavet Hinrikus | Public (WISE.L) | https://wise.com/terms-and-conditions | https://wise.com/privacy-policy | Wise | [
"United Kingdom",
"United States",
"Australia",
"Singapore",
"Japan",
"Brazil",
"Canada",
"New Zealand",
"European Union",
"India",
"Philippines",
"Malaysia",
"UAE"
] | [
{
"name": "Index Ventures",
"website": "https://indexventures.com"
},
{
"name": "Andreessen Horowitz",
"website": "https://a16z.com"
},
{
"name": "Valar Ventures",
"website": "https://valar.com"
},
{
"name": "Baillie Gifford",
"website": "https://bailliegifford.com"
}
] | {
"value_millions": 19,
"metric": "customers",
"as_of": "FY26"
} | {
"markup": "Mid-market rate + conversion fee, typically ~0.33–1.5%; free if you hold the currency",
"as_of": "2026-04",
"source": "https://wise.com/gateway/v1/us/disclosures/long-form"
} | null | [
"fiat-payin",
"fiat-payout",
"iban",
"multi-currency",
"virtual-cards"
] | {
"figure": "$243.5B",
"metric": "cross-border volume · FY2026 · +31%",
"source": "FY26 results"
} |
Klarna | traditional | general | Europe | Stockholm, SE | 2,005 | Custodial | Licensed bank | Visa | Debit + BNPL | Rewards club | Savings (region) | false | Yes | klarna.com | https://klarna.com | [
"Europe"
] | BNPL giant with full banking accounts. | null | Swedish banking licence | Sebastian Siemiatkowski, Niklas Adalberth, Victor Jacobsson | Public (KLAR, 2025) | https://www.klarna.com/us/legal/ | https://www.klarna.com/us/privacy-policy/ | Klarna | [
"Sweden",
"United States",
"United Kingdom",
"Germany",
"Australia",
"European Union"
] | [
{
"name": "Sequoia Capital",
"website": "https://sequoiacap.com"
},
{
"name": "Atomico",
"website": "https://atomico.com"
},
{
"name": "Silver Lake",
"website": "https://silverlake.com"
},
{
"name": "Permira",
"website": "https://permira.com"
},
{
"name": "SoftBan... | null | null | interface | null | null |
Salt Bank | traditional | general | Europe | Bucharest, RO | 2,024 | Custodial | Licensed bank | Visa | Debit | null | Competitive RON savers | false | Yes | salt.bank | https://salt.bank | [
"Europe"
] | Romania's first neobank (Banca Transilvania). | null | Bank (Banca Transilvania) | null | null | null | null | null | null | null | null | null | null | null | null |
Snappi | traditional | general | Europe | Athens, GR | 2,024 | Custodial | Licensed bank | Visa | Debit | null | null | false | Yes | snappi.com | https://snappi.com | [
"Europe"
] | Greek neobank (Piraeus-backed). | null | Full ECB banking licence (via Bank of Greece, Jun 2024); Piraeus-backed digital bank | null | null | null | null | null | null | null | null | null | null | null | null |
Papara | traditional | general | Europe | Istanbul, TR | 2,016 | Custodial | E-money institution | MC | Prepaid | Cashback offers | null | false | Yes | papara.com | https://papara.com | [
"Europe"
] | 17M+ users; Turkey's leading fintech. | Istanbul's fintech champion: 17M users and an M&A run across Turkey and Pakistan. | E-money institution (CBRT, Turkey); licence revoked Oct 2025, reinstated under state trusteeship | Ahmed Karslı | Profitable; acquired SadaPay (2024) | https://www.papara.com/en/legal-notices | https://www.papara.com/en/legal-notices/privacy | papara | [
"Türkiye"
] | null | null | null | null | null | null |
Enpara | traditional | general | Europe | Istanbul, TR | 2,012 | Custodial | Licensed bank | MC | Debit | null | Competitive TRY savers | false | Yes | enpara.com | https://enpara.com | [
"Europe"
] | QNB's fee-free digital bank. | null | Bank (QNB Finansbank) | null | null | null | null | null | null | null | null | null | null | null | null |
End of preview. Expand in Data Studio
neobankbeat — open directory of neobanks worldwide
A verified, machine-readable directory of 368 active neobanks — traditional (licensed fiat), hybrid (fiat + custodial crypto), and web3-native (self-custodial) — curated from primary sources and updated in the open.
- Live site: https://www.neobankbeat.com/
- Canonical data: https://www.neobankbeat.com/data.json
- Source & issues: https://github.com/andreolf/neobankbeat
- License: MIT — free to use, including commercially, with attribution appreciated.
- Updated: rolling; see the changelog.
Files
| File | What it is |
|---|---|
entities.jsonl |
One neobank per line — this is what the dataset viewer and load_dataset read. Nested fields (fx_markup, reported_users, volume, investors) keep their source and as-of detail. |
entities.csv |
The same rows flattened to 38 plain columns, with the nested fields split out (fx_markup, fx_markup_as_of, fx_markup_source, …). Easiest for spreadsheets and pandas. |
data.json |
The canonical file as served by the site: { meta, entities }, with counts, field notes and methodology in meta. |
What's in it
Each row is one neobank (an object under entities in data.json). Fields include:
| Field | Meaning |
|---|---|
name, hq, founded, domain, website |
identity |
category |
traditional · hybrid · web3-native |
custody |
who holds the money (custodial / self-custodial / MPC / mixed) |
regulation_type |
licensed bank · partner-bank (BaaS) · e-money · payment institution · VASP/MSB · self-custodial software · … |
licence |
plain-text licence / sponsor-bank detail |
card_network, card_type, cashback, yield |
card & rewards |
stablecoins, services |
stablecoin support; money-movement capabilities (on/off-ramp, IBAN, virtual/crypto cards, multi-currency) |
fx_markup |
foreign-exchange markup on the free/standard plan, with source + as-of date |
kyc, audience |
KYC posture; audience/niche |
active_regions, countries |
geography |
reported_users, funding, investors |
scale & backing (where disclosed) |
ai |
verified in-production AI use: underwriting · interface · agentic |
Top-level meta carries counts, field notes and the verification methodology.
Methodology
Defunct neobanks and pure BaaS/infrastructure providers are excluded from the
count. Unverified fields are null rather than guessed. Rates (cashback, yield,
FX) are "up to" figures that change often — always confirm with the issuer.
Citation
neobankbeat (2026). Open directory of neobanks worldwide. https://www.neobankbeat.com/ (MIT).
Load it
from datasets import load_dataset
ds = load_dataset("neobankbeat/neobanks", split="train")
print(ds)
print(ds.filter(lambda e: e["regulation_type"] == "Partner-bank model").num_rows, "run on a sponsor bank")
Or straight from the site, no dependencies — this gives you meta too:
import json, urllib.request
data = json.load(urllib.request.urlopen("https://www.neobankbeat.com/data.json"))
print(data["meta"]["total"], "neobanks")
for e in data["entities"][:5]:
print(e["name"], "·", e["category"], "·", e["regulation_type"])
- Downloads last month
- 15