name,category,audience,region,hq,countries,active_regions,founded,custody,regulation_type,licence,card_network,card_type,services,stablecoins,kyc,yield,cashback,fx_markup,fx_markup_as_of,fx_markup_source,reported_users_millions,reported_users_metric,reported_users_as_of,volume,volume_metric,volume_source,funding,investors,founders,ai,note,story,domain,website,x_handle,terms_url,privacy_url
Chime,traditional,general,US,"San Francisco, US",United States,North America,2013,Custodial,Partner-bank model,"Partner banks (The Bancorp, Stride)",Visa,Debit,,false,Yes,~2% APY savings,,,,,22,members,2024,,,,~$2.3B raised,DST Global; Sequoia Capital; General Atlantic; Tiger Global; Menlo Ventures,"Chris Britt, Ryan King",,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.,chime.com,https://chime.com,Chime,https://www.chime.com/policies/,https://www.chime.com/policies/privacy-policy/
Varo,traditional,general,US,"San Francisco, US",United States,North America,2015,Custodial,Licensed bank,National bank charter (2020),Visa,Debit,,false,Yes,Up to 5% APY (conditions),,"0% foreign transaction fee, no exchange-rate markup; Visa wholesale rate",2026-07,https://support.varomoney.com/hc/en-us/articles/21998473318932-International-Travel,,,,,,,~$1B raised,Warburg Pincus; The Rise Fund (TPG); Lone Pine Capital,Colin Walsh,,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.,varomoney.com,https://varomoney.com,varomoney,https://www.varomoney.com/privacy-legal/,https://www.varomoney.com/privacy/
Current,traditional,general,US,"New York, US",United States,North America,2015,Custodial,Partner-bank model,"Partner banks (Choice, Cross River)",Visa,Debit,,false,Yes,~4% savings pods,Points,3% international transaction fee on all purchases (Visa wholesale rate),2026-07,https://support.current.com/hc/en-us/articles/4408251826715-Can-I-use-my-card-Internationally,,,,,,,~$400M raised,Andreessen Horowitz; Tiger Global; Avenir Growth; Foundation Capital,Stuart Sopp,,Everyday + teen banking; in-app crypto trading.,"Started as a teen debit card, expanded to full-spectrum banking for Americans living paycheck to paycheck.",current.com,https://current.com,current,,
SoFi,traditional,general,US,"San Francisco, US",United States,North America,2011,Custodial,Licensed bank,National bank charter (2022),Visa/MC,Debit,,true,Yes,Up to ~4.5% APY (tiers),,0.2% conversion fee on debit foreign purchases/ATM (Mastercard); credit cards 0%,2026-07,https://support.sofi.com/hc/en-us/articles/360061173072-What-is-the-foreign-exchange-fee-on-the-SoFi-Checking-account,,,,,,,Public (SOFI),SoftBank; Silver Lake; Qatar Investment Authority,"Mike Cagney, Dan Macklin, James Finnigan, Ian Brady",interface,Bank charter; launched SoFiUSD stablecoin Dec 2025.,From Stanford alumni-funded student loans to a chartered digital bank; issued SoFiUSD stablecoin in Dec 2025.,sofi.com,https://sofi.com,SoFi,https://www.sofi.com/legal/,https://www.sofi.com/legal/privacy/
Ally Bank,traditional,general,US,"Detroit, US",United States,North America,2009,Custodial,Licensed bank,National bank charter,MC,Debit,,false,Yes,Competitive online savers,,,,,,,,,,,Public (ALLY),,GMAC heritage,,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.,ally.com,https://ally.com,ally,https://www.ally.com/legal/,https://www.ally.com/privacy/
Dave,traditional,general,US,"Los Angeles, US",United States,North America,2016,Custodial,Partner-bank model,Partner bank (Evolve),Visa,Debit,,false,Yes,,,3% foreign currency conversion fee on non-USD purchases (Mastercard wholesale rate),2026-07,https://dave.com/deposit-agreement-coastal,,,,,,,Public (DAVE),Norwest Venture Partners; Section 32,Jason Wilk,underwriting,ExtraCash advances; budgeting-first.,"Pitched as the bear that fights the banks: cash advances against overdrafts, then a full spending account.",dave.com,https://dave.com,davebanking,https://dave.com/terms,https://dave.com/privacy
MoneyLion,traditional,general,US,"New York, US",United States,North America,2013,Custodial,Partner-bank model,Partner banks,Visa,Debit,,false,Yes,,,,,,,,,,,,Public; acquired by Gen Digital (2025),,Dee Choubey,underwriting,Banking + investing + credit-builder super-app.,,moneylion.com,https://moneylion.com,MoneyLion,https://www.moneylion.com/terms-and-conditions/,https://www.moneylion.com/privacy-notice/
One,traditional,general,US,"Sacramento, US",United States,North America,2019,Custodial,Partner-bank model,Partner bank (Coastal Community),Visa,Debit,,false,Yes,~4% APY savings,Up to 3% (Walmart),,,,,,,,,,Walmart-majority,Walmart; Ribbit Capital,Walmart x Ribbit venture,,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.,one.app,https://one.app,one,https://www.onepay.com/legal,https://www.onepay.com/legal/privacy-policies
Marcus,traditional,general,US,"New York, US",United States,North America,2016,Custodial,Licensed bank,Goldman Sachs Bank USA national bank charter (OCC); Member FDIC,,,,false,Yes,Competitive savers,,,,,,,,,,,,,,,Goldman Sachs' consumer digital bank.,,marcus.com,https://marcus.com,MarcusGS,,https://www.marcus.com/us/en/privacy-policy
Step,traditional,gen z & students,US,"Palo Alto, US",United States,North America,2018,Custodial,Partner-bank model,Partner bank (Evolve),Visa,Debit + credit builder,,false,Yes,~4% savings goals,,,,,,,,,,,~$175M+ raised,Coatue; Stripe; General Catalyst; Crosslink Capital,CJ MacDonald,,"Teen banking + credit building, no fees.",Teen banking that builds credit history before 18 via a secured spend card.,step.com,https://step.com,step,https://step.com/legal,https://step.com/policies/privacy
Greenlight,traditional,gen alpha · kids & family,US,"Atlanta, US",United States,North America,2014,Custodial,Partner-bank model,Partner bank (Community Federal),MC,Debit,,false,Yes,Up to 5% savings (plan),1% (plan),,,,,,,,,,~$550M raised,Andreessen Horowitz; TTV Capital; Canapi Ventures; Owl Ventures; Drive Capital,"Tim Sheehan, Johnson Cook",,Family banking; chores + parental controls.,,greenlight.com,https://greenlight.com,Greenlightcard,https://greenlight.com/terms,https://privacy.greenlight.com/policies
Copper,traditional,gen alpha · kids & family,US,"Seattle, US",United States,North America,2019,Custodial,Partner-bank model,Partner bank (Evolve Bank & Trust); relaunched family banking after 2024 Synapse collapse,MC,Debit,,false,Yes,,,,,,,,,,,,~$40M raised,,"Eddie Behringer, Stefan Berglund",,Teen banking + financial literacy.,,getcopper.com,https://getcopper.com,getcopperapp,https://www.getcopper.com/terms,
Till Financial,traditional,gen alpha · kids & family,US,"Boston, US",,North America,2018,Custodial,Partner-bank model,Partner bank (Coastal Community Bank); FDIC pass-through; Visa debit cards,Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,Family banking for kids' smart spending.,,tillfinancial.io,https://tillfinancial.io,,,
GoHenry,traditional,gen alpha · kids & family,US,New York/London,United States; United Kingdom,North America,2012,Custodial,Partner-bank model,"Partner bank (Community Federal Savings Bank, US); UK cards via FCA-regulated e-money issuer",Visa/MC,Debit,,false,Yes,,,,,,,,,,,,Acquired by Acorns (2023),,"Louise Hill, Dean Brauer",,Kids' money app; acquired by Acorns.,UK parents crowdfunded a kids' money app that taught a generation pocket-money-by-chores.,gohenry.com,https://gohenry.com,gohenry,https://www.gohenry.com/us/terms-and-conditions,https://www.gohenry.com/us/privacy-policy
Albert,traditional,general,US,"Culver City, US",United States,North America,2015,Custodial,Partner-bank model,"Partner banks (Sutton Bank, Stride Bank; savings via Coastal Community Bank, Wells Fargo)",MC,Debit,,false,Yes,,Offers,,,,,,,,,,,CapitalG; General Atlantic; QED Investors,,interface,Automated savings + 'Genius' advice.,,albert.com,https://albert.com,albertsavings,https://albert.com/terms,
Mercury,traditional,SMB & startups,US,"San Francisco, US",United States,North America,2017,Custodial,Partner-bank model,"Partner banks (Choice, Column)",MC,Business debit + credit,fiat-payin; fiat-payout; iban; virtual-cards,false,Yes,Treasury yield,1.5% (IO card),3% currency conversion fee on all non-USD card transactions (Mastercard rate),2026-07,https://support.mercury.com/hc/en-us/articles/32529650270484-Understanding-conversion-fees-for-non-USD-card-transactions,,,,,,,~$450M (val ~$3.5B),Andreessen Horowitz; Sequoia Capital; CRV; Coatue,Immad Akhund,interface,Startup banking; 200K+ companies.,Startup banking that absorbed half of YC after SVB collapsed; added IO cards and personal banking.,mercury.com,https://mercury.com,mercury,https://mercury.com/legal/terms,https://mercury.com/legal/privacy
Brex,traditional,SMB & startups,US,"San Francisco, US",United States,North America,2017,Custodial,Partner-bank model,Partner banks,MC,Corporate credit,,false,Yes,Yield on idle cash,Points,Up to 3% FX markup on transactions needing conversion; local-currency cards avoid it,2026-07,https://www.brex.com/support/using-brex-internationally,,,,,,,~$1.5B raised,Y Combinator; DST Global; Greenoaks; Ribbit Capital; Tiger Global,"Henrique Dubugras, Pedro Franceschi",,Corporate cards + banking for startups.,Two Brazilian teens who sold a payments company before 20 rebuilt corporate cards around startup underwriting.,brex.com,https://brex.com,brexHQ,https://www.brex.com/legal,https://www.brex.com/legal/privacy
Ramp,traditional,SMB & startups,US,"New York, US",United States,North America,2019,Custodial,Partner-bank model,Partner banks,Visa,Corporate card,,false,Yes,Treasury yield,1.5%,,,,,,,,,,"~$1B+ (val ~$22B, 2025)",Founders Fund; Thrive Capital; Khosla Ventures; Stripe; General Catalyst,"Eric Glyman, Karim Atiyeh, Gene Lee",,Spend management + business accounts.,Spend management that markets itself on saving companies money; among the fastest-growing SaaS-fintechs ever.,ramp.com,https://ramp.com,tryramp,https://ramp.com/legal,https://ramp.com/legal/privacy-policy
Novo,traditional,SMB & startups,US,"Miami, US",United States,North America,2016,Custodial,Partner-bank model,"Partner bank (Middlesex Federal Savings, F.A.); Mastercard debit; credit card via Continental Bank",MC,Business debit,,false,Yes,,,,,,,,,,,,~$170M raised,Valar Ventures; Stripes; Crosslink Capital,"Michael Rangel, Tyler McIntyre",,SMB checking for small operators.,,novo.co,https://novo.co,banknovo,https://www.novo.co/legal,https://www.novo.co/legal/privacy
Bluevine,traditional,SMB & startups,US,"Redwood City, US",United States,North America,2013,Custodial,Partner-bank model,Partner bank (Coastal Community Bank) + sweep-network program banks (up to $3M FDIC); credit line via Celtic Bank,MC,Business debit,,false,Yes,~2% APY checking,,,,,,,,,,,~$770M incl. debt,Lightspeed; Menlo Ventures; 83North; Citi Ventures,Eyal Lifshitz,,SMB checking + credit lines.,,bluevine.com,https://bluevine.com,Bluevine,,https://www.bluevine.com/privacy-policy
Relay,traditional,SMB & startups,US,Toronto/US,United States; Canada,North America,2018,Custodial,Partner-bank model,"Partner bank (Thread Bank, Member FDIC); previously Evolve Bank & Trust",Visa,Business debit,,false,Yes,Yield on savings,,,,,,,,,,,~$100M raised,Bain Capital Ventures; Better Tomorrow Ventures; Garage Capital,Yoseph West,,Multi-account SMB banking (Profit First).,,relayfi.com,https://relayfi.com,relayfinancial,https://relayfi.com/terms/,https://relayfi.com/privacy/
NorthOne,traditional,SMB & startups,US,"New York, US",,North America,2016,Custodial,Partner-bank model,"Partner bank (The Bancorp Bank, N.A.); Mastercard business debit",MC,Business debit,,false,Yes,,,,,,,,,,,,,Battery Ventures; Redpoint,,,SMB banking for main-street businesses.,,northone.com,https://northone.com,,,
Rho,traditional,SMB & startups,US,"New York, US",United States,North America,2018,Custodial,Partner-bank model,"Partner bank (Webster Bank, N.A.); savings swept across 400+ FDIC banks via ADM",MC,Corporate card,,false,Yes,Treasury,Up to 1.75%,,,,,,,,,,~$205M raised,DFJ Growth; M13,"Everett Cook, Alex Wheldon",,Corporate banking + spend platform.,,rho.co,https://rho.co,rhobusiness,https://www.rho.co/policies/terms-of-service,https://www.rho.co/policies/privacy-policy
Grasshopper,traditional,SMB & startups,US,"New York, US",,North America,2019,Custodial,Licensed bank,National bank charter (de novo 2019),Visa,Business debit,,false,Yes,Competitive APY,1%,,,,,,,,,,,,,,Chartered digital bank for startups + SMBs.,,grasshopper.bank,https://grasshopper.bank,,,
Found,traditional,freelancers & creators,US,"San Francisco, US",United States,North America,2019,Custodial,Partner-bank model,Partner bank (Lead Bank); FDIC pass-through up to $250k; formerly Piermont Bank,MC,Business debit,,false,Yes,,,,,,,,,,,,~$70M raised,Sequoia Capital; Founders Fund; Lightspeed,,,Banking + taxes for the self-employed.,,found.com,https://found.com,foundforbiz,https://found.com/legal,https://found.com/legal/privacy
Lili,traditional,freelancers & creators,US,"New York, US",United States,North America,2018,Custodial,Partner-bank model,"Partner bank (Sunrise Banks, N.A.); wires via Column Bank; formerly Choice Financial",Visa,Business debit,,false,Yes,~Savings APY (plan),,,,,,,,,,,~$80M raised,Group 11; Target Global,"Lilac Bar David, Liran Zelkha",,Freelancer banking with tax buckets.,,lili.co,https://lili.co,LiliBanking,https://lili.co/legal-documents/lili-terms-of-use,https://lili.co/legal-documents/lili-privacy-policy
Karat,traditional,freelancers & creators,US,"Los Angeles, US",,North America,2019,Custodial,Partner-bank model,"Partner bank (Grasshopper Bank, N.A.); Karat Visa credit card issued by Cross River Bank",Visa,Business card,,false,Yes,,Creator perks,,,,,,,,,,~$100M+ incl. debt,Union Square Ventures; SignalFire,"Eric Wei, Will Kim",,Financial services built for creators.,Underwrites creators on audience data instead of FICO.,trykarat.com,https://trykarat.com,,,
Branch,traditional,gig workers,US,"Minneapolis, US",United States,North America,2015,Custodial,Partner-bank model,Partner banks (Lead Bank; Evolve Bank & Trust); Mastercard debit for workforce payouts,Visa,Debit,,false,Yes,,,,,,,,,,,,~$100M+ raised,,Atif Siddiqi,,Instant pay + wallets for gig/hourly workers.,,branchapp.com,https://branchapp.com,branchapp,https://www.branchapp.com/terms,https://www.branchapp.com/privacy
Panacea Financial,traditional,healthcare pros,US,"Little Rock, US",,North America,2020,Custodial,Licensed bank,Division of Primis Bank (NASDAQ: FRST) — operates under Primis's US bank charter; FDIC-insured,Visa,Debit + credit,,false,Yes,,,,,,,,,,,,,,"Michael Jerkins, Ned Palmer",,"Banking for doctors, dentists, vets.","Founded by two physicians who couldn't get loans during residency; banking for doctors, dentists and vets.",panaceafinancial.com,https://panaceafinancial.com,,,
Purple,traditional,disabilities,US,"New York, US",United States,North America,2018,Custodial,Partner-bank model,"Partner bank (OMB Bank, Member FDIC); Mastercard debit issued by OMB Bank",MC,Debit,,false,Yes,,,,,,,,,,,,,,John Ciocca,,Banking for people with disabilities; ABLE-friendly.,Banking for people with disabilities designed not to endanger ABLE benefit eligibility.,getpurple.io,https://getpurple.io,joinpurple,https://www.getpurple.io/terms-of-service,https://www.getpurple.io/privacy-policy
True Link,traditional,seniors,US,"San Francisco, US",,North America,2012,Custodial,Partner-bank model,"Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards",Visa,Prepaid,,false,Yes,,,,,,,,,,,,,,"Kai Stinchcombe, Claire McDonnell",,Cards protecting seniors + vulnerable adults.,Prepaid cards with guardrails protecting seniors from fraud and financial abuse.,truelinkfinancial.com,https://truelinkfinancial.com,,,
Charlie,traditional,seniors,US,"Los Angeles, US",,North America,2022,Custodial,Partner-bank model,Partner bank (Sutton Bank); Visa debit; FDIC pass-through insurance,Visa,Debit,,false,Yes,Early Social Security access,,,,,,,,,,,~$23M raised,,Kevin Nazemi,,Banking built for the 62+ community.,Banking for the 62+ crowd: early Social Security access and fraud protection over rewards points.,charliefinancial.com,https://charliefinancial.com,,,
Greenwood,traditional,Black community,US,"Atlanta, US",United States,North America,2020,Custodial,Partner-bank model,Partner bank (Coastal Community Bank); Mastercard debit; FDIC pass-through,MC,Debit,,false,Yes,,,,,,,,,,,,~$40M+ raised,Truist; Bank of America; SoftBank,"Ryan Glover, Killer Mike, Andrew Young",,Digital banking for Black + Latino communities.,Named for Tulsa's Black Wall Street; digital banking recirculating capital in Black and Latino communities.,gogreenwood.com,https://gogreenwood.com,Greenwood,,https://gogreenwood.com/privacy-policy/
MoCaFi,traditional,Black community,US,"New York, US",United States,North America,2016,Custodial,Partner-bank model,"Partner bank (Sunrise Banks, N.A., Member FDIC) for accounts and Mastercard debit",MC,Debit,,false,Yes,,,,,,,,,,,,~$30M+ raised,,Wole Coaxum,,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.,mocafi.com,https://mocafi.com,MoCaFi,https://www.mocafi.com/terms-of-service,https://www.mocafi.com/privacy-policy
Majority,traditional,immigrants & migrants,US,"Houston, US",United States,North America,2019,Custodial,Partner-bank model,"Partner bank (Axiom Bank, N.A.); Visa debit; credit card issued by WebBank",Visa,Debit,,false,Yes,,,,,,,,,,,,~$100M+ raised,Valar Ventures; Heartcore Capital,Magnus Larsson,,$5.99/mo membership banking for migrants; no SSN needed.,"Membership banking for migrants: no SSN required, community advisors, bundled calling + remittance.",majority.com,https://majority.com,majority,https://majority.com/en/terms-conditions/,https://majority.com/en/privacy-policy/
Zolve,traditional,immigrants & migrants,US,New York/Bengaluru,United States; India,North America,2020,Custodial,Partner-bank model,"Partner bank (Community Federal Savings Bank); deposits, debit and credit cards",MC,Credit + debit,,false,Yes,,Rewards,,,,,,,,,,~$300M incl. debt,Accel; Lightspeed; DST Global; Creaegis,Raghunandan G,,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.",zolve.com,https://zolve.com,zolvehq,https://zolve.com/policies/global/terms-of-use,https://zolve.com/privacy-policy
Comun,traditional,immigrants & migrants,US,"New York, US",United States,North America,2021,Custodial,Partner-bank model,Partner bank (Community Federal Savings Bank); Visa debit; FDIC pass-through,Visa,Debit,,false,Yes,,,,,,,,,,,,~$50M+ raised,Redpoint; Costanoa Ventures; South Park Commons,"Andres Santos, Abiel Gutierrez",,Banking for Latino immigrants; passport onboarding.,Built by Mexican founders for Latino immigrants: passport onboarding and fast remittance.,comun.app,https://comun.app,comunapp,https://www.comun.app/en/legal,https://www.comun.app/en/legal/comun-privacy-policy
Ellevest,traditional,women,US,"New York, US",United States,North America,2014,Custodial,Partner-bank model,SEC-registered investment adviser; Partner bank (Coastal Community Bank) for cash accounts,,,,false,Yes,,,,,,,,,,,,~$150M raised,,"Sallie Krawcheck, Charlie Kroll",,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.,ellevest.com,https://ellevest.com,Ellevest,https://www.ellevest.com/terms-of-service,
First Women's Bank,traditional,women,US,"Chicago, US",,North America,2021,Custodial,Licensed bank,National bank charter,MC,Business banking,,false,Yes,,,,,,,,,,,,,,Marianne Markowitz + founding team,,"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.",firstwomens.bank,https://firstwomens.bank,,,
KOHO,traditional,general,Canada,"Toronto, CA",Canada,North America,2014,Custodial,Licence pending (partner model today),Pursuing Schedule 1 bank licence,MC,Prepaid,,false,Yes,Up to ~4% interest,Up to 2%,,,,,,,,,,~C$400M raised,Drive Capital; Portage; Eldridge,Daniel Eberhard,,Canada's leading prepaid neobank; credit building.,,koho.ca,https://koho.ca,KOHOfinancial,https://www.koho.ca/legal/,
Neo Financial,traditional,general,Canada,"Calgary, CA",Canada,North America,2019,Custodial,Partner-bank model,"Partner banks (Peoples Bank of Canada, Concentra Bank); CDIC-insured deposits",MC,Credit + savings,,false,Yes,~3-4% savings,~5% at partners,,,,,,,,,,~C$400M raised,Valar Ventures; Golden Ventures,"Andrew Chau, Jeff Adamson",,Partner-merchant cashback network.,SkipTheDishes founders' second act: cashback-network banking from Calgary.,neofinancial.com,https://neofinancial.com,neofinancial,https://www.neofinancial.com/legal,https://www.neofinancial.com/legal/privacy-policy
Wealthsimple,traditional,general,Canada,"Toronto, CA",Canada,North America,2014,Custodial,Broker-led,Broker-led: CIRO-registered investment dealer (WSII); cash held at CDIC member banks,MC,Prepaid,,false,Yes,~4% on cash (tiers),1%,,,,,,,,,,Power Corp-backed; ~C$1B+,Power Corporation; Allianz X; Meritech Capital; Greylock; DST Global,"Michael Katchen, Brett Huneycutt",,Investing-first; custodial crypto trading.,Canada's index-investing evangelist turned full-stack money app with crypto.,wealthsimple.com,https://wealthsimple.com,Wealthsimple,https://www.wealthsimple.com/en-ca/legal/terms,https://www.wealthsimple.com/en-ca/legal/privacy
EQ Bank,traditional,general,Canada,"Toronto, CA",Canada,North America,2016,Custodial,Licensed bank,"Trade name of Equitable Bank, Schedule I chartered bank (OSFI, Canada); CDIC member",MC,Prepaid,,false,Yes,~4% everyday interest,0.5%,,,,,,,,,,,,,,Digital arm of Equitable Bank.,,eqbank.ca,https://eqbank.ca,EQBank,https://www.eqbank.ca/legal,https://www.eqbank.ca/legal/privacy
Mogo,hybrid,general,Canada,"Vancouver, CA",,North America,2003,Custodial,VASP / MSB / crypto licences,Cards issued by Peoples Trust Company; MogoTrade is a CIRO-regulated broker (Canada),Visa,Prepaid,,false,Yes,,BTC cashback,,,,,,,,,,Public (MOGO),,"David Feller, Greg Feller",,Prepaid + custodial bitcoin rewards.,,mogo.ca,https://mogo.ca,,,
Monzo,traditional,general,UK,"London, UK",United Kingdom; United States,Europe,2015,Custodial,Licensed bank,UK banking licence,MC,Debit,fiat-payin; fiat-payout; iban; virtual-cards,false,Yes,~4% savings pots,,"0% foreign transaction fee; Mastercard exchange rate, all tiers",2026-07,https://monzo.com/help/travelling/understanding-fees,12,customers,2025,,,,~£1.1B raised,Accel; Passion Capital; General Catalyst; Y Combinator; Tencent,Tom Blomfield + 4 co-founders,,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.,monzo.com,https://monzo.com,monzo,https://monzo.com/legal/terms-and-conditions/,https://monzo.com/legal/privacy-notice/
Starling Bank,traditional,general,UK,"London, UK",United Kingdom,Europe,2014,Custodial,Licensed bank,UK banking licence,MC,Debit,,false,Yes,~3-4% on balances,,"0% foreign transaction fee; Mastercard rate, no markup, any day/amount",2026-07,https://www.starlingbank.com/travel/,,,,,,,~£900M raised,Goldman Sachs; Fidelity; Qatar Investment Authority; Chrysalis,Anne Boden,interface,Profitable; Engine SaaS platform.,Anne Boden left a 30-year banking career at 54 to build the UK's first consistently profitable neobank.,starlingbank.com,https://starlingbank.com,StarlingBank,https://www.starlingbank.com/legal/,https://www.starlingbank.com/legal/privacy-notice/
Atom Bank,traditional,general,UK,"Durham, UK",United Kingdom,Europe,2014,Custodial,Licensed bank,UK banking licence,,,,false,Yes,Competitive fixed savers,,,,,,,,,,,,BBVA; Toscafund,"Anthony Thomson, Mark Mullen",,"App-only bank, no card.",,atombank.co.uk,https://atombank.co.uk,atom_bank,https://www.atombank.co.uk/terms/,
Zopa Bank,traditional,general,UK,"London, UK",United Kingdom,Europe,2020,Custodial,Licensed bank,UK banking licence (2020),Visa,Credit,,false,Yes,~4-5% savings,,,,,,,,,,,~$1B raised,SoftBank; Augmentum Fintech,"Giles Andrews, James Alexander",underwriting,P2P pioneer turned licensed bank.,"Invented P2P lending in 2005, then traded the model for a full bank licence.",zopa.com,https://zopa.com,zopa,https://www.zopa.com/terms-of-use,https://www.zopa.com/privacy-notice
Chase UK,traditional,general,UK,"London, UK",United Kingdom,Europe,2021,Custodial,Partner-bank model,UK subsidiary of JPMorgan,Visa,Debit,,false,Yes,~4-5% saver,1%,,,,,,,,,,,,,,JPMorgan's UK digital bank.,,chase.co.uk,https://chase.co.uk,ChaseUK,https://www.chase.co.uk/gb/en/legal/,https://www.chase.co.uk/gb/en/legal/privacy-notice/
Kroo,traditional,general,UK,"London, UK",United Kingdom,Europe,2016,Custodial,Licensed bank,UK banking licence,MC,Debit,,false,Yes,~4% on balances,,,,,,,,,,,,,Nazim Valimahomed,,Licensed UK bank; social features.,,kroo.com,https://kroo.com,getkroo,https://kroo.com/documents/current-account-terms-and-conditions.html,
Tide,traditional,SMB & startups,UK,"London, UK",United Kingdom; India; Germany,Europe,2015,Custodial,E-money institution,E-money; deposits via ClearBank,MC,Business debit,,false,Yes,,Cashback (plan),Free plan 2.75% FX on non-GBP card txns; Smart/Pro/Max 0% (UK business),2026-07,https://www.tide.co/features/expense-cards/,,,,,,,~$300M raised,Apax; Anthemis; Augmentum Fintech; LocalGlobe; Speedinvest,George Bevis,,1M+ SME members (UK + India).,,tide.co,https://tide.co,TideBusiness,https://www.tide.co/terms/,https://www.tide.co/privacy/
ANNA Money,traditional,SMB & startups,UK,"Cardiff, UK",United Kingdom; Australia,Europe,2017,Custodial,E-money institution,E-money,MC,Business debit,,false,Yes,,1% select,,,,,,,,,,,,"Eduard Panteleev, Boris Dyakonov",,SME banking with AI admin assistant.,,anna.money,https://anna.money,ANNA_money,https://anna.money/terms-and-conditions/,https://anna.money/privacy-policy
OakNorth,traditional,SMB & startups,UK,"London, UK",,Europe,2015,Custodial,Licensed bank,"Full UK banking licence (PRA/FCA, 2015)",,,,false,Yes,Competitive savers,,,,,,,,,,,,SoftBank; Clermont Group; GIC; Toscafund,,underwriting,Profitable SMB lender-bank.,,oaknorth.co.uk,https://oaknorth.co.uk,,,
Allica Bank,traditional,SMB & startups,UK,"Milton Keynes, UK",,Europe,2019,Custodial,Licensed bank,Full UK banking licence (PRA/FCA authorised),MC,Business,,false,Yes,Rewards account,,,,,,,,,,,,TCV; Warwick Capital Partners; Atalaya Capital,,,Established-SMB challenger bank.,,allica.bank,https://allica.bank,,,
Curve,traditional,general,UK,"London, UK",United Kingdom; European Union,Europe,2015,Custodial,E-money institution,"E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania)",MC,Card aggregator,,false,Yes,,1% select,Interbank 0% up to £/€250/mo then 2.99%; +1.5% weekend/holiday surcharge,2026-07,https://help.curve.com/en_gb/killer-fx-HyquHdnUu,,,,,,,~$250M raised,,Shachar Bialick,,All cards in one; go-back-in-time.,,curve.com,https://curve.com,imaginecurve,https://www.curve.com/en-gb/terms/,https://www.curve.com/en-gb/privacy/
Zempler Bank,traditional,SMB & startups,UK,"London, UK",,Europe,2005,Custodial,Licensed bank,"Full UK banking licence (PRA/FCA, Feb 2021, ex-Cashplus); FSCS-protected",MC,Business debit,,false,Yes,,,,,,,,,,,,,,,,Formerly Cashplus; SME-focused.,,zemplerbank.com,https://zemplerbank.com,,,
Monese,traditional,immigrants & migrants,UK,"London, UK",United Kingdom; European Union,Europe,2013,Custodial,E-money institution,FCA-authorised e-money institution (FRN 900960); UK accounts as agent of PrePay Technologies; owned by Pockit,MC,Debit,,false,Yes,,,,,,,,,,,,~$200M raised,Kinnevik; PayPal Ventures; Augmentum Fintech; HSBC,Norris Koppel,,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.,monese.com,https://monese.com,monese,https://monese.com/gb/en/legal,https://www.monese.com/privacy
Pockit,traditional,underbanked,UK,"London, UK",,Europe,2014,Custodial,E-money institution,"E-money via FCA-authorised EMIs (Modulr, PSI-Pay); owns Monese's EMI licence",MC,Prepaid,,false,Yes,,,,,,,,,,,,,,Virraj Jatania,,Accounts for the underbanked; absorbed Monese users.,Accounts for the UK's financially excluded; absorbed Monese's consumer base.,pockit.com,https://pockit.com,,,
Suits Me,traditional,underbanked,UK,"Cheshire, UK",,Europe,2015,Custodial,E-money institution,"E-money accounts issued by PrePay Technologies (FCA EMI, FRN 900010); Suits Me acts as agent/programme manager",MC,Debit,,false,Yes,,Retail cashback,,,,,,,,,,,,,,No-credit-check accounts for excluded workers.,,suitsmecard.com,https://suitsmecard.com,,,
Tandem Bank,traditional,climate,UK,"London, UK",United Kingdom,Europe,2013,Custodial,Licensed bank,UK banking licence,,,,false,Yes,Competitive savers,,,,,,,,,,,,Pollen Street Capital,,,Green digital bank; home-efficiency lending.,Pivoted from challenger #2 to a green lender financing home decarbonisation.,tandem.co.uk,https://tandem.co.uk,tandem,,https://www.tandem.co.uk/privacy-policy
Algbra,traditional,faith-based,UK,"London, UK",United Kingdom,Europe,2020,Custodial,E-money institution,"E-money institution (FCA, FRN 952360, UK)",MC,Debit,,false,Yes,,Ethical rewards,,,,,,,,,,,,"Zeiad Idris, Fizel Nejabat",,"Shariah-aligned, ethics-first UK fintech.","Shariah-compliant, values-based finance for the two billion people underserved on ethics.",algbra.com,https://algbra.com,algbra,https://www.algbra.com/terms-and-conditions/,
Kestrl,traditional,faith-based,UK,"London, UK",,Europe,2019,Custodial,E-money institution,"Accounts and cards issued by AF Payments Ltd, FCA-authorised e-money institution (FRN 900440)",,,,false,Yes,Halal savings,,,,,,,,,,,,,"Areeb Siddiqui, Daeng Termizi",,Muslim money app; UK + Malaysia.,Muslim money app helping users grow wealth without interest.,kestrl.io,https://kestrl.io,,,
Wahed,traditional,faith-based,US/UK,"New York, US",United States; United Kingdom; Malaysia,,2015,Custodial,Broker-led,SEC-registered investment adviser; broker/custody via Apex Clearing (FINRA/SIPC),Visa,Debit (US),,false,Yes,Halal portfolios,,,,,,,,,,,~$75M raised,,Junaid Wahedna,,Halal investing + banking features.,,wahed.com,https://wahed.com,WahedInvest,https://www.wahed.com/legal,https://www.wahed.com/legal/privacy-policy
N26,traditional,general,Europe,"Berlin, DE",Germany; Austria; France; Spain; Italy; Netherlands; Belgium; Portugal; Ireland; Greece; Poland,Europe,2013,Custodial,Licensed bank,German banking licence,MC,Debit,on-ramp; off-ramp; fiat-payin; fiat-payout; iban; virtual-cards,false,Yes,~2-4% (region),,0% N26 markup on card payments; Mastercard rate passed through (Standard plan),2026-07,https://n26.com/en-eu/using-debit-card-abroad,,,,,,,~$1.8B raised,Valar Ventures; Insight Partners; Tencent; Allianz X; Earlybird,"Valentin Stalf, Maximilian Tayenthal",,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.",n26.com,https://n26.com,n26,,
bunq,traditional,general,Europe,"Amsterdam, NL",Netherlands; Germany; France; Spain; Italy; Belgium; Austria; Ireland; Portugal,Europe,2012,Custodial,Licensed bank,Dutch banking licence,MC,Debit,fiat-payin; fiat-payout; iban; multi-currency; virtual-cards,false,Yes,Up to ~3.4% interest,1% (plan),"Mastercard rate + 0.5% up to €1,000/yr; 3% conversion fee above that (Free plan)",2026-07,https://www.bunq.com/personal-account/banking-plans/bunq-free,,,,,,,Founder-funded (~€100M of Niknam's own) + raises,Pollen Street Capital,Ali Niknam,interface,EU-wide; API-first; 'Bank of The Free'.,Ali Niknam bootstrapped the Netherlands' first new banking licence in 35 years with his own money.,bunq.com,https://bunq.com,bunq,https://www.bunq.com/documents/personal-account-terms-conditions,https://www.bunq.com/documents/privacy-policy
Vivid Money,traditional,general,Europe,"Berlin, DE",Germany; France; Spain; Italy; Netherlands,Europe,2019,Custodial,MiCA CASP (EU),"E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025)",Visa,Debit,on-ramp; off-ramp; fiat-payin; fiat-payout; iban; multi-currency; virtual-cards,false,Yes,~4% (tiers),Up to 3% (tiers),Visa base rate + up to 1% on non-EUR (0.5% rising toward 1% outside FX-market hours),2026-07,https://support.vivid.money/en/articles/8680120-what-s-the-exchange-rate-for-purchases-made-in-a-currency-other-than-the-euro,,,,,,,~$200M+ raised,Ribbit Capital; SoftBank; Greenoaks,"Alexander Emeshev, Artem Yamanov",,Cashback + investing; custodial crypto.,,vivid.money,https://vivid.money,vivid_money,https://vivid.money/de-ch/legal-documents/,https://vivid.money/de-ch/privacy-policy/
Tomorrow,traditional,climate,Europe,"Hamburg, DE",,Europe,2018,Custodial,Partner-bank model,"Partner bank (Solaris SE, full German banking licence, BaFin-supervised)",Visa,Debit,,false,Yes,,,,,,,,,,,,,,"Inas Nureldin, Jakob Berndt, Michael Schweikart",,Climate-positive spending.,Hamburg social business: card spend funds climate projects.,tomorrow.one,https://tomorrow.one,,,
C24 Bank,traditional,general,Europe,"Frankfurt, DE",,Europe,2020,Custodial,Partner-bank model,Full German banking licence (BaFin); CHECK24 subsidiary,MC,Debit,,false,Yes,Interest on balance,,,,,,,,,,,,,,,CHECK24's digital bank.,,c24.de,https://c24.de,,,
Kontist,traditional,freelancers & creators,Europe,"Berlin, DE",,Europe,2016,Custodial,Partner-bank model,"Partner bank (Solaris SE, BaFin-licensed); German IBAN accounts",Visa,Business debit,,false,Yes,,,,,,,,,,,,,,Christopher Plantener,,Freelancer banking with auto tax buckets.,Freelancer banking that auto-reserves German taxes in real time.,kontist.com,https://kontist.com,,,
Fyrst,traditional,SMB & startups,Europe,"Bonn, DE",,Europe,2019,Custodial,Partner-bank model,Brand of Deutsche Bank AG — full German banking licence (ECB/BaFin); Postbank rails,Visa,Business debit,,false,Yes,,,,,,,,,,,,,,,,Deutsche Bank's SMB digital brand.,,fyrst.de,https://fyrst.de,,,
Qonto,traditional,SMB & startups,Europe,"Paris, FR",France; Germany; Spain; Italy,Europe,2016,Custodial,Licence pending (partner model today),Payment institution (ACPR); pursuing credit licence,MC,Business debit,fiat-payin; fiat-payout; iban; virtual-cards,false,Yes,,,Entry card 2% on non-EUR card payments; Plus 1%; X plan 0% (business only),2026-07,https://support-fr.qonto.com/hc/en-us/articles/23947693926929-Can-I-use-my-Qonto-card-abroad,,,,,,,~€620M raised,Valar Ventures; Alven; Tencent; DST Global; TCV,"Alexandre Prot, Steve Anavi",interface,500K+ SME clients across FR/DE/ES/IT.,Europe's SME banking leader out of Paris; absorbed Penta to own the German market too.,qonto.com,https://qonto.com,getqonto,,https://qonto.com/en/legal-documents/privacy-notice
Shine,traditional,freelancers & creators,Europe,"Paris, FR",,Europe,2017,Custodial,Payment institution,"Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale",MC,Business debit,,false,Yes,,,,,,,,,,,,"Acquired by SocGen (2020), later Ageras",,"Nicolas Reboud, Raphaël Simon",,Freelancer banking (Société Générale).,,shine.fr,https://shine.fr,,,
Indy,traditional,freelancers & creators,Europe,"Lyon, FR",,Europe,2016,Custodial,E-money institution,"Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN",MC,Business account,,false,Yes,,,,,,,,,,,,,Singular,,,Freelancer accounting + banking.,,indy.fr,https://indy.fr,,,
Sumeria (Lydia),traditional,general,Europe,"Paris, FR",France,Europe,2013,Custodial,E-money institution,"E-money institution (Lydia Solutions, ACPR France, CIB 17598); credit-institution licence applied for",Visa,Debit,,false,Yes,~2-4% on balance,,,,,,,,,,,~€260M raised,Tencent; Accel; Dragoneer,"Cyril Chiche, Antoine Porte",,France's P2P leader turned full account.,France's 'send me a Lydia' P2P verb rebranded to Sumeria to become a real current account.,sumeria.eu,https://sumeria.eu,sumeria_app,https://www.sumeria.eu/en/legal/,
Nickel,traditional,underbanked,Europe,"Paris, FR",France; Spain; Belgium; Portugal; Germany,Europe,2014,Custodial,Partner-bank model,"Payment institution (Financière des Paiements Électroniques, ACPR no. 16598); BNP Paribas subsidiary",MC,Debit,,false,Yes,,,,,,,,,,,,Acquired by BNP Paribas (2017),,"Hugues Le Bret, Ryad Boulanouar",,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.",nickel.eu,https://nickel.eu,nickel,,
BoursoBank,traditional,general,Europe,"Paris, FR",France,Europe,1995,Custodial,Licensed bank,Bank (Société Générale),Visa,Debit + credit,,false,Yes,Competitive savers,,,,,,,,,,,,,,,France's largest online bank; 7M+ (SocGen).,,boursobank.com,https://boursobank.com,BoursoBank,,
Hello bank!,traditional,general,Europe,"Paris, FR",,Europe,2013,Custodial,Licensed bank,Operates under BNP Paribas' French banking licence (direct-bank brand),Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,BNP Paribas' digital bank.,,hellobank.fr,https://hellobank.fr,,,
Fortuneo,traditional,general,Europe,"Brest, FR",,Europe,2000,Custodial,Licensed bank,"Crédit Mutuel Arkéa banking licence (ACPR, France); brand of the group's online bank",MC,Debit + credit,,false,Yes,Savers + brokerage,,,,,,,,,,,,,,,Crédit Mutuel Arkéa's online bank.,,fortuneo.fr,https://fortuneo.fr,,,
Lunar,traditional,general,Europe,"Aarhus, DK",Denmark; Sweden; Norway,Europe,2015,Custodial,Licensed bank,Danish banking licence,Visa,Debit,,false,Yes,~3-4% (tiers),,,,,,,,,,,~$500M raised,Kinnevik; Tencent; Seed Capital; Greyhound Capital,Ken Villum Klausen,interface,Nordic neobank (DK/SE/NO).,,lunar.app,https://lunar.app,lunar,,https://www.lunar.app/en/privacy-policy
Northmill,traditional,general,Europe,"Stockholm, SE",,Europe,2006,Custodial,Licensed bank,"Swedish banking licence (Finansinspektionen, since 2019)",MC,Debit,,false,Yes,Savings,Cashback offers,,,,,,,,,,,,,,Swedish licensed digital bank.,,northmill.com,https://northmill.com,,,
Rocker,traditional,general,Europe,"Stockholm, SE",,Europe,2017,Custodial,Licensed bank,Operates under Bankaktiebolaget Nordiska's Swedish banking licence (Finansinspektionen); own PI licence returned Sep 2025,MC,Debit,,false,Yes,Savings,,,,,,,,,,,,,,,Swedish challenger; pay + save + loans.,,rocker.com,https://rocker.com,,,
indó,traditional,general,Europe,"Reykjavík, IS",,Europe,2018,Custodial,Licensed bank,Icelandic banking licence,MC,Debit,,false,Yes,Competitive ISK savers,,,,,,,,,,,,,"Haukur Skúlason, Tryggvi Björn Davíðsson",,Iceland's first neobank.,,indo.is,https://indo.is,,,
Hype,traditional,general,Europe,"Milan, IT",,Europe,2015,Custodial,E-money institution,"E-money institution (IMEL, Banca d'Italia); being merged into Banca Sella (2026)",MC,Debit,,false,Yes,,Offers,,,,,,,,,,,,,,One of Italy's largest neobanks (Banca Sella).,,hype.it,https://hype.it,,,
Tinaba,traditional,general,Europe,"Milan, IT",,Europe,2015,Custodial,Partner-bank model,"Partner bank (Banca Profilo, Bank of Italy register no. 5271); Tinaba is the tech layer",MC,Debit,,false,Yes,,,,,,,,,,,,,,,,Italian money app with Banca Profilo.,,tinaba.com,https://tinaba.com,,,
Flowe,traditional,climate,Europe,"Milan, IT",,Europe,2020,Custodial,E-money institution,"E-money institution (IMEL, Bank of Italy, 2019); founded by Banca Mediolanum",MC,Debit (wooden card),,false,Yes,,,,,,,,,,,,,,,,Banca Mediolanum's green digital bank.,,flowe.com,https://flowe.com,,,
buddybank,traditional,general,Europe,"Milan, IT",,Europe,2018,Custodial,Licensed bank,UniCredit S.p.A. digital service — operates under UniCredit's Italian banking licence (ECB supervised),MC,Debit,,false,Yes,,,,,,,,,,,,,,,,UniCredit's iPhone-native bank.,,buddybank.com,https://buddybank.com,,,
isybank,traditional,general,Europe,"Milan, IT",,Europe,2023,Custodial,Licensed bank,Own Italian banking licence (Intesa Sanpaolo group; ECB/Banca d'Italia supervised),MC,Debit,,false,Yes,,,,,,,,,,,,,,,,Intesa Sanpaolo's cloud-native digital bank.,,isybank.com,https://isybank.com,,,
Openbank,traditional,general,Europe,"Madrid, ES",,Europe,1995,Custodial,Licensed bank,Full banking licence within Santander Group (ECB/Bank of Spain); US via Santander Bank N.A.,Visa/MC,Debit,,false,Yes,Competitive savers,,,,,,,,,,,,,,,Santander's digital bank; now US/MX too.,,openbank.es,https://openbank.es,,,
imagin,traditional,gen z & students,Europe,"Barcelona, ES",,Europe,2020,Custodial,Licensed bank,Operates under CaixaBank's Spanish banking licence (ECB/Bank of Spain supervised),Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,CaixaBank's youth-first money app.,,imagin.com,https://imagin.com,,,
MyInvestor,traditional,general,Europe,"Madrid, ES",,Europe,2017,Custodial,Licensed bank,"Own Spanish banking licence (MyInvestor Banco S.A., Banco de España no. 1544; Andbank group); CNMV supervised",Visa,Debit,,false,Yes,Competitive savers + funds,,,,,,,,,,,,,,,Andbank's digital bank + broker.,,myinvestor.es,https://myinvestor.es,,,
ZEN.com,traditional,general,Europe,"Vilnius, LT",,Europe,2018,Custodial,E-money institution,"E-money institution (Bank of Lithuania, LB000457, 2018)",MC,Debit,,false,Yes,,Up to 1.5%,,,,,,,,,,,,,,EU e-money; multicurrency + merchant tools.,,zen.com,https://zen.com,,,
Paysera,traditional,general,Europe,"Vilnius, LT",,Europe,2004,Custodial,E-money institution,"E-money institution licence (Bank of Lithuania, 2012); EEA passported",Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,Baltic multicurrency veteran.,,paysera.com,https://paysera.com,,,
Trade Republic,traditional,general,Europe,"Berlin, DE",Germany; France; Spain; Italy; Netherlands; Austria; Belgium; Ireland; Portugal,Europe,2015,Custodial,Licensed bank,German full banking licence (2023),Visa,Debit,,false,Yes,~ECB rate on cash,1% saveback,,,,,,,,,,~€1.2B raised,Sequoia Capital; Accel; Founders Fund; Thrive Capital; Creandum,"Christian Hecker, Thomas Pischke, Marco Cancellieri",,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.,traderepublic.com,https://traderepublic.com,traderepublic,,https://assets.traderepublic.com/assets/files/Privacy-Website_en-DE.pdf
Finom,traditional,SMB & startups,Europe,"Amsterdam, NL",,Europe,2019,Custodial,E-money institution,"E-money institution (FINOM Payments B.V., DNB Netherlands); EU/EEA passporting",Visa,Business debit,,false,Yes,,Up to 3%,,,,,,,,,,~€180M raised,,"Ex-Modulbank team (Novikov, Laguta, Petrov, Stiskin)",,SMB/freelancer banking across the EU.,,finom.co,https://finom.co,,,
Wise,traditional,travel & digital nomads,Europe,"London, UK",United Kingdom; United States; Australia; Singapore; Japan; Brazil; Canada; New Zealand; European Union; India; Philippines; Malaysia; UAE,Europe; North America; Asia; Oceania; Latin America; Africa; MENA,2011,Custodial,E-money institution,E-money/payment licences globally,Visa/MC,Debit,fiat-payin; fiat-payout; iban; multi-currency; virtual-cards,false,Yes,Interest on balances (region),,"Mid-market rate + conversion fee, typically ~0.33–1.5%; free if you hold the currency",2026-04,https://wise.com/gateway/v1/us/disclosures/long-form,19,customers,FY26,$243.5B,cross-border volume · FY2026 · +31%,FY26 results,Public (WISE.L),Index Ventures; Andreessen Horowitz; Valar Ventures; Baillie Gifford,"Kristo Käärmann, Taavet Hinrikus",,Mid-market-rate FX; 16M+ customers.,Two Estonians tired of hidden FX fees built mid-market-rate transfers; now moving £100B+ a year.,wise.com,https://wise.com,Wise,https://wise.com/terms-and-conditions,https://wise.com/privacy-policy
Klarna,traditional,general,Europe,"Stockholm, SE",Sweden; United States; United Kingdom; Germany; Australia; European Union,Europe,2005,Custodial,Licensed bank,Swedish banking licence,Visa,Debit + BNPL,,false,Yes,Savings (region),Rewards club,,,,,,,,,,"Public (KLAR, 2025)",Sequoia Capital; Atomico; Silver Lake; Permira; SoftBank,"Sebastian Siemiatkowski, Niklas Adalberth, Victor Jacobsson",interface,BNPL giant with full banking accounts.,,klarna.com,https://klarna.com,Klarna,https://www.klarna.com/us/legal/,https://www.klarna.com/us/privacy-policy/
Salt Bank,traditional,general,Europe,"Bucharest, RO",,Europe,2024,Custodial,Licensed bank,Bank (Banca Transilvania),Visa,Debit,,false,Yes,Competitive RON savers,,,,,,,,,,,,,,,Romania's first neobank (Banca Transilvania).,,salt.bank,https://salt.bank,,,
Snappi,traditional,general,Europe,"Athens, GR",,Europe,2024,Custodial,Licensed bank,"Full ECB banking licence (via Bank of Greece, Jun 2024); Piraeus-backed digital bank",Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,Greek neobank (Piraeus-backed).,,snappi.com,https://snappi.com,,,
Papara,traditional,general,Europe,"Istanbul, TR",Türkiye,Europe,2016,Custodial,E-money institution,"E-money institution (CBRT, Turkey); licence revoked Oct 2025, reinstated under state trusteeship",MC,Prepaid,,false,Yes,,Cashback offers,,,,,,,,,,Profitable; acquired SadaPay (2024),,Ahmed Karslı,,17M+ users; Turkey's leading fintech.,Istanbul's fintech champion: 17M users and an M&A run across Turkey and Pakistan.,papara.com,https://papara.com,papara,https://www.papara.com/en/legal-notices,https://www.papara.com/en/legal-notices/privacy
Enpara,traditional,general,Europe,"Istanbul, TR",,Europe,2012,Custodial,Licensed bank,Bank (QNB Finansbank),MC,Debit,,false,Yes,Competitive TRY savers,,,,,,,,,,,,,,,QNB's fee-free digital bank.,,enpara.com,https://enpara.com,,,
Monobank,traditional,general,Europe,"Kyiv, UA",Ukraine,Europe,2017,Custodial,Partner-bank model,Operates on Universal Bank licence,MC,Debit + credit,,false,Yes,Deposits,Cashback categories,,,,,,,,,,"Bootstrapped, profitable",,"Oleh Gorokhovskyi, Mykhailo Rogalskyi",,8M+ customers; Ukraine's app-first bank.,"Built by the ex-PrivatBank team; kept Ukraine's payments running through blackouts and full-scale war, with a cat mascot.",monobank.ua,https://monobank.ua,monobank_ua,https://www.monobank.ua/terms,https://www.monobank.ua/privacy
T-Bank,traditional,general,Europe,"Moscow, RU",,Europe,2006,Custodial,Licensed bank,Russian banking licence,MC (dom.),Debit + credit,,false,Yes,Deposits,Cashback categories,,,,,,,,,,Public (MOEX),,Oleg Tinkov (exited 2022),interface,"Ex-Tinkoff; 40M+ customers, one of the largest standalone neobanks.",Tinkov built the world's largest standalone digital bank from a credit-card mailer; sanctions forced his exit.,tbank.ru,https://tbank.ru,,,
Kaspi,traditional,general,Europe,"Almaty, KZ",Kazakhstan; Türkiye,Europe,2012,Custodial,Licensed bank,Kazakh banking licence,MC,Debit + credit,,false,Yes,Deposits,In-app offers,,,,,,,KZT 44.2T (~$85B),payments TPV · FY2025 · +19%,Kaspi 4Q/FY25,Public (KSPI),,"Mikheil Lomtadze, Vyacheslav Kim",,Kazakh super-app: payments + marketplace + fintech.,Turned a distressed Kazakh bank into a super-app processing most of the country's payments and e-commerce.,kaspi.kz,https://kaspi.kz,kaspikz,https://kaspi.kz/terms,
Uzum,traditional,general,Europe,"Tashkent, UZ",,Europe,2022,Custodial,Licensed bank,Bank licence (UZ),MC (dom.),Debit,,false,Yes,,In-app offers,,,,,,,,,,,,,,Uzbekistan's super-app + digital bank.,,uzum.uz,https://uzum.uz,,,
TBC UZ,traditional,general,Europe,"Tashkent, UZ",,Europe,2020,Custodial,Licensed bank,Bank (TBC Group),MC,Debit,,false,Yes,Deposits,,,,,,,,,,,Public parent (TBCG.L),,,underwriting,TBC's Uzbek digital bank; 20M+ registered.,,tbcbank.uz,https://tbcbank.uz,,,
Nubank,traditional,general,LatAm,"São Paulo, BR",Brazil; Mexico; Colombia,Latin America,2013,Custodial,Licensed bank,Bank licences BR/MX/CO; conditional US OCC approval (2026),MC,Credit + debit,on-ramp; off-ramp; fiat-payin; fiat-payout; iban; multi-currency; virtual-cards,false,Yes,~100% CDI,,,,,131,customers,2025,$41.9B,deposits · Q4 2025,Nu FY25 results,Public (NU),Sequoia Capital; DST Global; Kaszek; Tencent; Berkshire Hathaway,"David Vélez, Cristina Junqueira, Edward Wible",underwriting,131M customers (FY25); custodial crypto; US OCC conditional approval.,Started after David Vélez's kafkaesque São Paulo branch visit; now Latin America's most valuable financial institution with 100M+ customers.,nubank.com.br,https://nubank.com.br,nubank,https://nubank.com.br/en/contract/,
Ualá,traditional,general,LatAm,"Buenos Aires, AR",Argentina; Mexico; Colombia,Latin America,2017,Custodial,Licensed bank,"Bank licences (AR via Wilobank, MX via ABC Capital)",MC,Prepaid + credit,,true,Yes,Remunerated account,,,,,,,,,,,~$1B+ raised incl. $195M round (Mar 2026) at $3.2B,SoftBank; Tencent; Allianz X; Goldman Sachs; Soros Fund Management,Pierpaolo Barbieri,underwriting,AR/MX/CO; added crypto + dollar features.,"Buenos Aires historian-turned-founder set out to bank every Argentine teenager; now ~1 in 5 Argentine adults use it, with 11M+ customers across AR/MX/CO.",uala.com.ar,https://uala.com.ar,uala,https://www.uala.com.ar/legales,
Plata,traditional,general,LatAm,"Mexico City, MX",Mexico,Latin America,2023,Custodial,Licensed bank,"Full Mexican bank licence (Banco Plata, Mar 2026); Colombia Compañía de Financiamiento authorized",MC,Credit + debit,,false,Yes,Interest on deposits,Cashback,,,,,,,,,,"$405M Series C at $5B (Apr 2026, Bicycle Capital, QIA, BTG Pactual) — $2B+ debt & equity total",Bicycle Capital; Qatar Investment Authority; BTG Pactual; Valor Capital Group; Kora; Hedosophia,Neri Tollardo (CEO) + ex-Tinkoff team,underwriting,"Ex-Tinkoff team; fastest digital bank ever to $600M annualized revenue — full Mexican licence as Banco Plata (Mar 2026), 3.5M+ credit-card customers.","The Tinkoff playbook replayed in Mexico: proprietary core banking + AI risk engine built by 800 STEM hires, 750K first-time cardholders, $800M loan book — LatAm's most valuable private digital bank three years after founding.",platacard.mx,https://platacard.mx,bancoplatamx,https://platacard.mx/es/docs/,
albo,traditional,general,LatAm,"Mexico City, MX",,Latin America,2016,Custodial,Licensed bank,"IFPE licence (CNBV, Mexico, 2022) — e-money institution under Ley Fintech",MC,Debit,,false,Yes,,,,,,,,,,,,~$150M+ raised,Valar Ventures; Greyhound Capital; Mountain Nazca,Ángel Sahagún,,One of Mexico's first challengers.,,albo.mx,https://albo.mx,,,
Klar,traditional,general,LatAm,"Mexico City, MX",Mexico,Latin America,2019,Custodial,Licensed bank,"SOFIPO licence (CNBV, Mexico); acquiring Bineo for its bank licence, approvals pending",MC,Debit + credit,,false,Yes,Cetes-linked yield,Up to 4%,,,,,,,,,,~$500M incl. debt,General Atlantic; Prosus Ventures; Quona Capital; Mouro Capital,"Stefan Möller, Daniel Autrique",underwriting,Mexican credit-led neobank.,,klar.mx,https://klar.mx,klarmx,,
Stori,traditional,underbanked,LatAm,"Mexico City, MX",Mexico,Latin America,2018,Custodial,Licensed bank,Sofipo (MX),MC,Credit,,false,Yes,Yield account,,,,,,,,,,,~$550M incl. debt,Lightspeed; General Catalyst; Goodwater Capital; BAI Capital,"Bin Chen, Marlene Garayzar + 3",underwriting,Credit inclusion for underbanked Mexico; 3M+.,Credit cards for the 60% of Mexicans banks reject; unicorn built on inclusion economics.,storicard.com,https://storicard.com,storicard,https://www.storicard.com/legales,https://www.storicard.com/aviso-de-privacidad
Fondeadora,traditional,general,LatAm,"Mexico City, MX",,Latin America,2018,Custodial,Licensed bank,"SOFIPO licence (Fondea Technologies S.F.P., CNBV Mexico, ex-Apoyo Múltiple); Prosofipo deposit insurance",MC,Debit,,false,Yes,Yield,,,,,,,,,,,,,,,Mexican digital account.,,fondeadora.com,https://fondeadora.com,,,
Hey Banco,traditional,general,LatAm,"Monterrey, MX",,Latin America,2018,Custodial,Licensed bank,Own Mexican banking licence (CNBV banca múltiple); independent of Banregio since Jan 2026,MC,Debit,,false,Yes,Yield,Cashback,,,,,,,,,,,,,,Banregio's digital bank.,,heybanco.com,https://heybanco.com,,,
Cuenca,traditional,general,LatAm,"Mexico City, MX",,Latin America,2018,Custodial,Licensed bank,"IFPE licence (CNBV, Mexico, 2021) under Ley Fintech",MC,Debit,,false,Yes,,,,,,,,,,,,,,,,Mexican mobile-first account.,,cuenca.com,https://cuenca.com,,,
RappiPay,traditional,general,LatAm,"Bogotá, CO",,Latin America,2019,Custodial,Licensed bank,"Finance company charter (compania de financiamiento, SFC Colombia, 2022); Rappi-Davivienda JV; Fogafin-insured",Visa,Debit + credit,,false,Yes,,In-app cashback,,,,,,,,,,,,,,Banking inside the Rappi super-app.,,rappi.com,https://rappi.com,,,
Neon,traditional,general,LatAm,"São Paulo, BR",,Latin America,2016,Custodial,E-money institution,Payment institution / e-money issuer authorised by Banco Central do Brasil (2021); Neon CTVM brokerage,Visa,Debit + credit,,false,Yes,CDI-linked,,,,,,,,,,,~$700M raised,General Atlantic; BBVA; Monashees; BlackRock,Pedro Conrade,interface,Brazilian mass-market neobank.,,neon.com.br,https://neon.com.br,,,
C6 Bank,traditional,general,LatAm,"São Paulo, BR",Brazil,Latin America,2019,Custodial,Licensed bank,Bank licence (BCB),MC,Debit + credit,,false,Yes,CDI-linked,Átomos points,,,,,,,,,,JPMorgan ~46% owner,JPMorgan Chase; GIC,"Marcelo Kalim, Carlos Fonseca (ex-BTG)",interface,JPMorgan-backed full digital bank.,,c6bank.com.br,https://c6bank.com.br,C6Bank,https://www.c6bank.com.br/termos-e-condicoes,https://www.c6bank.com.br/politica-de-privacidade
Banco Inter,traditional,general,LatAm,"Belo Horizonte, BR",Brazil; United States,Latin America,2015,Custodial,Licensed bank,Bank; Public (INTR),MC,Debit + credit,,false,Yes,CDI-linked,1% (plan),,,,35,clients,2025,,,,,SoftBank,,interface,35M+ clients; super-app + US account.,,inter.co,https://inter.co,bancointer,,https://inter.co/politica-de-privacidade/
PicPay,traditional,general,LatAm,"São Paulo, BR",Brazil,Latin America,2012,Custodial,Licensed bank,Payment institution + bank (BCB),Visa,Debit + credit,,true,Yes,CDI-linked,In-app cashback,,,,58,users,2024,,,,,,Anderson Chamon + J&F group,interface,Brazil's largest payments app; crypto + BRL stable rails.,,picpay.com,https://picpay.com,PicPay,,https://picpay.com/politica-de-privacidade
PagBank,traditional,general,LatAm,"São Paulo, BR",,Latin America,2019,Custodial,Licensed bank,Bank; Public (PAGS),Visa,Debit + credit,,false,Yes,CDI-linked,,,,,32,clients,2024,~R$500B (~$93B),TPV · 2024,PAGS filings,,,,,PagSeguro's 30M+ user digital bank.,,pagbank.com.br,https://pagbank.com.br,,,
Cora,traditional,SMB & startups,LatAm,"São Paulo, BR",,Latin America,2019,Custodial,Payment institution,"SCFI licence (Central Bank of Brazil, Jul 2024) + payment institution; formerly SCD",Visa,Business debit,,false,Yes,,,,,,,,,,,,~$200M raised,Greenoaks; Tiger Global; Kaszek; QED Investors; Ribbit Capital,"Igor Senra, Leo Mendes",,SMB banking for Brazilian PJs.,,cora.com.br,https://cora.com.br,,,
NG.cash,traditional,gen z & students,LatAm,"Rio de Janeiro, BR",,Latin America,2021,Custodial,E-money institution,"Payment institution (Banco Central do Brasil, e-money issuer licence, May 2025)",MC,Debit,,true,Yes,,,,,,,,,,,,,,,,Teen neobank; added crypto features.,,ng.cash,https://ng.cash,,,
Naranja X,traditional,general,LatAm,"Córdoba, AR",,Latin America,2019,Custodial,Licensed bank,Bank (Grupo Galicia),Visa/MC,Debit + credit,,false,Yes,Remunerated account,,,,,,,,,,,,,,,Argentina's card giant gone digital.,,naranjax.com,https://naranjax.com,,,
Brubank,traditional,general,LatAm,"Buenos Aires, AR",,Latin America,2017,Custodial,Licensed bank,Bank licence (BCRA),Visa,Debit,,false,Yes,Remunerated account,,,,,,,,,,,,Point72 Ventures,Juan Bruchou,,First licensed digital bank in Argentina.,,brubank.com,https://brubank.com,,,
Prex,traditional,general,LatAm,"Montevideo, UY",,Latin America,2015,Custodial,E-money institution,E-money (UY/AR/PE),MC,Prepaid,,false,Yes,,,,,,,,,,,,,,,,Regional prepaid (UY/AR/PE).,,prexcard.com,https://prexcard.com,,,
ueno bank,traditional,general,LatAm,"Asunción, PY",,Latin America,2021,Custodial,Licensed bank,Bank licence (PY),Visa,Debit + credit,,false,Yes,Deposits,,,,,,,,,,,,,,,Paraguay's fast-growing digital bank.,,ueno.com.py,https://ueno.com.py,,,
Nequi,traditional,general,LatAm,"Medellín, CO",,Latin America,2016,Custodial,Licensed bank,Licensed compañía de financiamiento (Superfinanciera Colombia); spun out of Bancolombia's banking licence,Visa,Debit,,false,Yes,,,,,,20,users,2024,,,,,,,underwriting,Bancolombia's wallet-bank; 20M+.,,nequi.com.co,https://nequi.com.co,,,
Daviplata,traditional,underbanked,LatAm,"Bogotá, CO",,Latin America,2011,Custodial,Licensed bank,Operates under Banco Davivienda's Colombian banking licence (SFC-supervised),,,,false,Yes,,,,,,,,,,,,,,,,Davivienda's mass-market wallet; 18M+.,,daviplata.com,https://daviplata.com,,,
Movii,traditional,underbanked,LatAm,"Bogotá, CO",,Latin America,2018,Custodial,E-money institution,"SEDPE e-money licence (Superintendencia Financiera, Colombia)",MC,Prepaid,,false,Yes,,,,,,,,,,,,,,,,Colombian financial inclusion player.,,movii.com.co,https://movii.com.co,,,
Lulo Bank,traditional,general,LatAm,"Bogotá, CO",,Latin America,2021,Custodial,Licensed bank,Bank licence (CO),Visa,Debit,,false,Yes,Yield account,,,,,,,,,,,,,,,Colombia's first fully digital licensed bank.,,lulobank.com,https://lulobank.com,,,
Tenpo,traditional,general,LatAm,"Santiago, CL",,Latin America,2017,Custodial,Licence pending (partner model today),Preparing Chilean bank licence,MC,Prepaid + credit,,true,Yes,,Offers,,,,,,,,,,,Krealo (Credicorp),Krealo (Credicorp),,Chilean neobank; crypto + USDC features.,,tenpo.cl,https://tenpo.cl,,,
Global66,traditional,travel & digital nomads,LatAm,"Santiago, CL",,Latin America,2018,Custodial,E-money institution,"Prepaid-card e-money issuer licence (CMF, Chile); cross-border FX via Global 81 SpA",MC,Debit,,false,Yes,Yield (region),,,,,,,,,,,~$65M raised,Quona Capital; Magma Partners,Tomás Bercovich,,Cross-border multicurrency for LatAm.,,global66.com,https://global66.com,,,
Zinli,traditional,general,LatAm,"Panama City, PA",,Latin America,2020,Custodial,E-money institution,Registered e-money issuer (MFTECH S.A.) with Superintendencia de Bancos de Panamá — AML/CFT supervision only,Visa,Prepaid,,false,Yes,,,,,,,,,,,,,,,,Digital dollars for Panama + region.,,zinli.com,https://zinli.com,,,
Qik,traditional,general,LatAm,"Santo Domingo, DO",,Latin America,2021,Custodial,Licensed bank,"Full banking licence (banco múltiple, Dominican Republic, Oct 2022; Grupo Popular)",MC,Debit,,false,Yes,,Cashback,,,,,,,,,,,,,,Dominican Republic's first neobank.,,qik.com.do,https://qik.com.do,,,
KakaoBank,traditional,general,Asia,"Seongnam, KR",South Korea,Asia,2016,Custodial,Licensed bank,Internet-only bank licence (KR),,,,false,Yes,Competitive KRW savers,,,,,23,customers,2024,,,,Public (KRX),,Kakao consortium,underwriting,Korea's messaging-native bank; 23M+.,"Launched from Korea's dominant messenger; 300K accounts in 24 hours, profitable within two years.",kakaobank.com,https://kakaobank.com,kakaobank,https://www.kakaobank.com/terms,
Toss Bank,traditional,general,Asia,"Seoul, KR",South Korea,Asia,2021,Custodial,Licensed bank,Internet-only bank licence (KR),,,,false,Yes,Daily-interest account,,,,,,,,,,,Viva Republica ~$1.7B raised,PayPal Ventures; Kleiner Perkins; Altos Ventures; GIC,Lee Seung-gun (Viva Republica),underwriting,Part of the Toss super-app.,A dentist-turned-founder failed eight startups before Toss; the bank arm now anchors Korea's super-app.,tossbank.com,https://tossbank.com,toss_bank,https://www.tossbank.com/terms,https://www.tossbank.com/privacy
K bank,traditional,general,Asia,"Seoul, KR",,Asia,2016,Custodial,Licensed bank,Internet-only bank licence (KT-led),,,,false,Yes,Competitive savers,,,,,,,,,,,,,,,Korea's first internet-only bank; Upbit ties.,Korea's first internet bank; balance sheet supercharged by being Upbit's banking partner.,kbanknow.com,https://kbanknow.com,,,
WeBank,traditional,general,Asia,"Shenzhen, CN",,Asia,2014,Custodial,Licensed bank,Private bank licence (CN),,,,false,Yes,,,,,,400,customers,2024,,,,,Tencent,Tencent-led consortium,underwriting,Tencent-backed; world's largest digital bank by users.,The world's largest digital bank: 400M+ customers on Tencent rails.,webank.com,https://webank.com,,,
MYbank,traditional,SMB & startups,Asia,"Hangzhou, CN",,Asia,2015,Custodial,Licensed bank,Private bank licence (CN),,,,false,Yes,,,,,,,,,,,,,Ant Group,Ant Group-led,underwriting,Ant Group's SME digital bank.,,mybank.cn,https://mybank.cn,,,
Jupiter,traditional,general,Asia,"Mumbai, IN",India,Asia,2019,Custodial,Partner-bank model,Partner bank (Federal Bank); RBI PPI licence via parent Amica Financial Technologies,Visa,Debit,,false,Yes,,1%,,,,,,,,,,~$160M raised,Peak XV Partners; Z47 (Matrix India); Tiger Global; QED Investors,Jitendra Gupta,,Indian neobank on Federal Bank rails.,,jupiter.money,https://jupiter.money,JupiterMoneyApp,https://jupiter.money/terms-and-conditions/,https://jupiter.money/privacy-policy/
Niyo,traditional,travel & digital nomads,Asia,"Bengaluru, IN",,Asia,2015,Custodial,Partner-bank model,"Partner banks (SBM Bank India, DCB Bank) — RBI-regulated issuers; no own licence",Visa,Debit + forex,,false,Yes,,,,,,,,,,,,~$180M raised,Accel; Prime Venture Partners; Tencent; Lightrock,"Vinay Bagri, Virender Bisht",,Zero-forex travel banking for Indians.,,goniyo.com,https://goniyo.com,,,
slice,traditional,general,Asia,"Bengaluru, IN",,Asia,2016,Custodial,Licensed bank,Small finance bank (via NESFB merger),Visa,Card + UPI,,false,Yes,,Up to 2%,,,,,,,,,,~$340M raised,Tiger Global; Insight Partners; Blume Ventures,Rajan Bajaj,underwriting,Merged with a small finance bank.,Card-first startup that pulled off the rare feat of merging into a licensed Indian bank.,sliceit.com,https://sliceit.com,,,
Freo,traditional,general,Asia,"Bengaluru, IN",,Asia,2015,Custodial,Partner-bank model,"In-house RBI-licensed NBFC; savings and accounts via partner banks (Equitas, Yes Bank)",MC,Card + savings,,false,Yes,Savings,Rewards,,,,,,,,,,,,,underwriting,Credit-led Indian neobank.,,freo.money,https://freo.money,,,
Open,traditional,SMB & startups,Asia,"Bengaluru, IN",,Asia,2017,Custodial,Partner-bank model,"Partner banks (ICICI, Axis, Yes Bank +); RBI-licensed payment aggregator",Visa,Business,,false,Yes,,,,,,,,,,,,~$190M raised,Temasek; Tiger Global; 3one4 Capital; IIFL,Anish Achuthan + 3,,SME neobanking platform; 3M+ businesses.,,open.money,https://open.money,,,
RazorpayX,traditional,SMB & startups,Asia,"Bengaluru, IN",,Asia,2019,Custodial,Partner-bank model,"Partner banks (RBL, ICICI, Yes, Axis, IDFC First); Razorpay holds RBI payment aggregator licence",Visa,Business,,false,Yes,,,,,,,,,,,,,Peak XV Partners; Tiger Global; GIC; Ribbit Capital; Y Combinator,,,Business banking inside Razorpay.,,razorpay.com,https://razorpay.com,,,
FamPay,traditional,gen z & students,Asia,"Bengaluru, IN",India,Asia,2019,Custodial,Partner-bank model,Partner bank (IDFC FIRST Bank) — co-branded RBI prepaid payment instruments; RuPay/Visa cards,RuPay,Prepaid,,false,Yes,,Rewards,,,,,,,,,,~$42M raised,Elevation Capital; Y Combinator; Peak XV Partners; General Catalyst,"Sambhav Jain, Kush Taneja",,India's teen payments app.,,fampay.in,https://fampay.in,FamPayHQ,https://fampay.in/terms,https://fampay.in/privacy
Mahila Money,traditional,women,Asia,"Delhi, IN",,Asia,2021,Custodial,Partner-bank model,"No own licence; lends on RBI-licensed NBFC partners' rails (Capital Trade Links, RupeeCircle)",RuPay,Prepaid + loans,,false,Yes,,,,,,,,,,,,,,Sairee Chahal,,Neobank for Indian women entrepreneurs.,From the SHEROES women's community to credit and accounts for women entrepreneurs in Bharat.,mahila.money,https://mahila.money,,,
Airtel Payments Bank,traditional,underbanked,Asia,"Delhi, IN",,Asia,2017,Custodial,Licensed bank,Payments bank licence (RBI),MC,Debit,,false,Yes,Interest on wallet,,,,,,,,,,,,,,,Telco-led payments bank.,,airtel.in,https://airtel.in,,,
Jio Payments Bank,traditional,underbanked,Asia,"Mumbai, IN",,Asia,2018,Custodial,Licensed bank,Payments bank licence (RBI),RuPay,Debit,,false,Yes,,,,,,,,,,,,,,,,Reliance's payments bank.,,jiopaymentsbank.com,https://jiopaymentsbank.com,,,
SadaPay,traditional,general,Asia,"Karachi, PK",Pakistan,Asia,2019,Custodial,E-money institution,E-money institution (EMI) licence from State Bank of Pakistan; owned by Papara,MC,Debit,,false,Yes,,,,,,,,,,,,~$20M; acquired by Papara,Recharge Capital,Brandon Timinsky,,Pakistan's design-led neobank.,,sadapay.pk,https://sadapay.pk,sadapay,https://sadapay.pk/terms-of-service/,https://sadapay.pk/privacy-policy/
NayaPay,traditional,general,Asia,"Karachi, PK",Pakistan,Asia,2019,Custodial,E-money institution,"E-money institution (State Bank of Pakistan EMI licence, 2021)",Visa,Debit,,false,Yes,,,,,,,,,,,,~$13M raised,,Danish Lakhani,,Pakistani money app + SMB rails.,,nayapay.com,https://nayapay.com,NayaPayInc,https://www.nayapay.com/terms,https://www.nayapay.com/privacy
Oraan,traditional,women,Asia,"Karachi, PK",,Asia,2018,Custodial,Other / mixed,SECP-registered; NBFC (non-bank finance company) licence from SECP Pakistan for lending; digital ROSCAs,,,,false,Yes,Committee-based savings,,,,,,,,,,,,,"Halima Iqbal, Farwah Tapal",,Women-first fintech digitizing ROSCAs.,Digitized Pakistan's women-led savings committees (ROSCAs) into a regulated product.,oraan.com,https://oraan.com,,,
bKash,traditional,underbanked,Asia,"Dhaka, BD",Bangladesh,Asia,2011,Custodial,Licensed bank,MFS licence (Bangladesh Bank),,,,false,Yes,,,,,,70,users,2024,,,,Ant + SoftBank-backed,SoftBank; Ant Group; IFC; Gates Foundation,Kamal Quadir,underwriting,Bangladesh's mobile money giant; 70M+.,"'bKash me' is a verb in Bangladesh: 70M users, the reference case for mobile money outside Africa.",bkash.com,https://bkash.com,bKashLimited,https://www.bkash.com/en/terms-and-conditions,https://www.bkash.com/en/privacy-policy
Nagad,traditional,underbanked,Asia,"Dhaka, BD",,Asia,2019,Custodial,Licensed bank,"Mobile money licence (Bangladesh Bank MFS, with Bangladesh Post Office); 2024 digital-bank licence under review",,,,false,Yes,,,,,,,,,,,,,,,,Postal-linked mobile money.,,nagad.com.bd,https://nagad.com.bd,,,
GXS Bank,traditional,general,Asia,"Singapore, SG",Singapore,Asia,2022,Custodial,Licensed bank,Digital full bank (MAS),,,,false,Yes,Daily interest pockets,,,,,,,,,,,,,,underwriting,Grab + Singtel digital bank.,,gxs.com.sg,https://gxs.com.sg,gxsbank,https://www.gxs.com.sg/terms-of-use,
MariBank,traditional,general,Asia,"Singapore, SG",,Asia,2022,Custodial,Licensed bank,Digital full bank (MAS),,,,false,Yes,Daily interest,,,,,,,,,,,,,,underwriting,Sea Group's digital bank.,,maribank.sg,https://maribank.sg,,,
Trust Bank,traditional,general,Asia,"Singapore, SG",,Asia,2022,Custodial,Licensed bank,Bank (StanChart x FairPrice),Visa,Debit + credit,,false,Yes,Competitive savers,Linkpoints,,,,,,,,,,,,,,StanChart + FairPrice; 1M+ users.,,trustbank.sg,https://trustbank.sg,,,
ANEXT Bank,traditional,SMB & startups,Asia,"Singapore, SG",,Asia,2022,Custodial,Licensed bank,Digital wholesale bank (MAS),,,,false,Yes,,,,,,,,,,,,,,,underwriting,Ant-backed SME wholesale digital bank.,,anext.com.sg,https://anext.com.sg,,,
Tonik,traditional,general,Asia,"Manila, PH",Philippines,Asia,2018,Custodial,Licensed bank,PH digital bank licence,MC,Debit,,false,Yes,Up to 6% time deposits,,,,,,,,,,,~$140M+ raised,Peak XV Partners; Point72 Ventures; Mizuho; Prosus Ventures,Greg Krasnov,underwriting,First PH neobank licence.,,tonikbank.com,https://tonikbank.com,TonikBankPH,https://tonikbank.com/terms-conditions,https://tonikbank.com/privacy-policy
Maya,traditional,general,Asia,"Manila, PH",Philippines,Asia,2022,Custodial,Licensed bank,PH digital bank + EMI + VASP,Visa,Debit,,true,Yes,Up to ~10% promo savings,Missions,,,,30,users,2024,,,,~$300M+ raised,PLDT; KKR; Tencent; IFC,PLDT/Voyager (Orlando Vea),underwriting,PH super-app; regulated custodial crypto.,,maya.ph,https://maya.ph,mayaiseverything,https://www.maya.ph/terms-and-conditions,https://www.maya.ph/privacy
GoTyme Bank,traditional,general,Asia,"Manila, PH",,Asia,2022,Custodial,Licensed bank,PH digital bank licence (Tyme x Gokongwei),Visa,Debit,,false,Yes,~4-5% savings,Rewards,,,,,,,,,,,,,,Tyme + Gokongwei; kiosk onboarding.,,gotyme.com.ph,https://gotyme.com.ph,,,
UnionDigital,traditional,general,Asia,"Manila, PH",,Asia,2022,Custodial,Licensed bank,PH digital bank licence,,,,false,Yes,Deposits,,,,,,,,,,,,,,,UnionBank's digital-bank arm.,,uniondigitalbank.io,https://uniondigitalbank.io,,,
UNO Digital Bank,traditional,general,Asia,"Manila, PH",,Asia,2021,Custodial,Licensed bank,PH digital bank licence,MC,Debit,,false,Yes,High-yield savers,,,,,,,,,,,,,,underwriting,Full-spectrum PH digital bank.,,uno.bank,https://uno.bank,,,
Bank Jago,traditional,general,Asia,"Jakarta, ID",,Asia,2020,Custodial,Licensed bank,Bank (OJK); GoTo ecosystem,Visa,Debit,,false,Yes,Yield pockets,,,,,,,,,,,,,,,GoTo-ecosystem digital bank.,,jago.com,https://jago.com,,,
SeaBank,traditional,general,Asia,"Jakarta, ID",,Asia,2021,Custodial,Licensed bank,Bank (OJK); Sea Group,,,,false,Yes,Daily interest,,,,,,,,,,,,,,underwriting,Sea Group's Indonesian bank; Shopee-linked.,,seabank.co.id,https://seabank.co.id,,,
Blu by BCA,traditional,general,Asia,"Jakarta, ID",,Asia,2021,Custodial,Licensed bank,Bank (BCA Digital),MC,Debit,,false,Yes,Savers,,,,,,,,,,,,,,,BCA's digital-native brand.,,blubybcadigital.co.id,https://blubybcadigital.co.id,,,
Allo Bank,traditional,general,Asia,"Jakarta, ID",,Asia,2021,Custodial,Licensed bank,Bank (OJK); CT Corp,MC,Debit,,false,Yes,Savers,,,,,,,,,,,,,,,CT Corp's digital bank.,,allobank.com,https://allobank.com,,,
Superbank,traditional,general,Asia,"Jakarta, ID",,Asia,2023,Custodial,Licensed bank,Bank (OJK); Grab/Emtek/Singtel,,,,false,Yes,Competitive savers,,,,,,,,,,,,Grab; Singtel; Emtek; KakaoBank,,underwriting,Grab/Emtek/Singtel-backed.,,superbank.id,https://superbank.id,,,
Jenius,traditional,general,Asia,"Jakarta, ID",,Asia,2016,Custodial,Licensed bank,Bank (BTPN/SMBC),Visa,Debit,,false,Yes,Flexi saver,,,,,,,,,,,,,,,BTPN's pioneer digital bank.,,jenius.com,https://jenius.com,,,
LINE BK,traditional,general,Asia,"Bangkok, TH",,Asia,2020,Custodial,Partner-bank model,JV on KBank licence,Visa,Debit,,false,Yes,Special-rate savers,,,,,,,,,,,,,,,LINE x KBank social banking.,,linebk.com,https://linebk.com,,,
Timo,traditional,general,Asia,"Ho Chi Minh, VN",,Asia,2015,Custodial,Partner-bank model,Partner: Ban Viet Bank,Visa,Debit,,false,Yes,Goal savers,,,,,,,,,,,,,,,Vietnam's first digital bank brand.,,timo.vn,https://timo.vn,,,
Cake,traditional,general,Asia,"Ho Chi Minh, VN",,Asia,2021,Custodial,Partner-bank model,Partner: VPBank,Visa,Debit,,false,Yes,Competitive savers,Cashback,,,,,,,,,,,,Be Group x VPBank,underwriting,VPBank + Be Group; 5M+ users.,Digital bank inside Vietnam's ride-hailing app Be; 5M users in four years.,cake.vn,https://cake.vn,,,
TNEX,traditional,gen z & students,Asia,"Hanoi, VN",,Asia,2020,Custodial,Licensed bank,Operates under Maritime Bank's (Vietnam) banking licence as its digital bank,,,,false,Yes,,,,,,,,,,,,,,,,MSB's Gen-Z digital bank.,,tnex.com.vn,https://tnex.com.vn,,,
GXBank,traditional,general,Asia,"Kuala Lumpur, MY",,Asia,2023,Custodial,Licensed bank,Digital bank licence (BNM); Grab-led,MC,Debit,,false,Yes,Daily interest,,,,,,,,,,,,,,,Grab-led; Malaysia's first digital bank live.,,gxbank.my,https://gxbank.my,,,
AEON Bank,traditional,faith-based,Asia,"Kuala Lumpur, MY",,Asia,2023,Custodial,Licensed bank,Islamic digital bank licence (BNM),Visa,Debit,,false,Yes,Islamic savers,AEON points,,,,,,,,,,,,,,Malaysia's first Islamic digital bank.,,aeonbank.com.my,https://aeonbank.com.my,,,
Boost Bank,traditional,general,Asia,"Kuala Lumpur, MY",,Asia,2024,Custodial,Licensed bank,Digital bank licence (BNM); Axiata,,,,false,Yes,Daily interest,,,,,,,,,,,,,,,Axiata's digital bank.,,myboost.co,https://myboost.co,,,
Ryt Bank,traditional,general,Asia,"Kuala Lumpur, MY",,Asia,2025,Custodial,Licensed bank,Digital bank licence (BNM),,,,false,Yes,Savers,,,,,,,,,,,,,YTL x Sea,interface,YTL+Sea AI-first digital bank.,Malaysia's AI-first bank: an LLM assistant as the primary interface.,rytbank.my,https://rytbank.my,,,
PayPay Bank,traditional,general,Asia,"Tokyo, JP",,Asia,2000,Custodial,Licensed bank,Bank (JP); SoftBank ecosystem,Visa,Debit,,false,Yes,,PayPay points,,,,,,,,,,,,,,SoftBank ecosystem bank (ex-Japan Net Bank).,,paypay-bank.co.jp,https://paypay-bank.co.jp,,,
Minna Bank,traditional,general,Asia,"Fukuoka, JP",,Asia,2021,Custodial,Licensed bank,Bank licence (JP),Visa,Debit,,false,Yes,,,,,,,,,,,,,,Fukuoka FG,,Japan's first digital-native bank.,"Japan's first digital-native bank, built cloud-first.",minna-bank.co.jp,https://minna-bank.co.jp,,,
Rakuten Bank,traditional,general,Asia,"Tokyo, JP",,Asia,2001,Custodial,Licensed bank,Bank; Public (JP),Visa/MC,Debit,,false,Yes,,Rakuten points,,,,,,,,,,,,,underwriting,Japan's largest online bank; 15M+.,,rakuten-bank.co.jp,https://rakuten-bank.co.jp,,,
LINE Bank TW,traditional,general,Asia,"Taipei, TW",,Asia,2021,Custodial,Licensed bank,Virtual bank licence (TW FSC),MC,Debit,,false,Yes,Savers,Points,,,,,,,,,,,,,,Taiwan's messenger-native bank.,,linebank.com.tw,https://linebank.com.tw,,,
NEXT Bank,traditional,general,Asia,"Taipei, TW",,Asia,2022,Custodial,Licensed bank,Virtual bank licence (TW FSC),,,,false,Yes,Savers,,,,,,,,,,,,,,,Taiwan virtual bank (Chunghwa-led).,,nextbank.com.tw,https://nextbank.com.tw,,,
ZA Bank,traditional,general,Asia,"Hong Kong, HK",Hong Kong,Asia,2020,Custodial,Licensed bank,HK virtual bank; SFC-aligned crypto services,Visa,Debit,,true,Yes,HKD/USD savers,Rewards,,,,,,,,,,,,ZhongAn Online,,First HK virtual bank; retail crypto trading + stablecoin-issuer banking.,First Hong Kong virtual bank live; first to open retail crypto trading and to bank stablecoin issuers.,za.group,https://za.group,zabankhk,https://bank.za.group/en/terms,https://bank.za.group/en/privacy
Mox Bank,traditional,general,Asia,"Hong Kong, HK",,Asia,2020,Custodial,Licensed bank,HK virtual bank (StanChart JV),MC,Debit + credit,,false,Yes,Savers,CashBack,,,,,,,,,,,,,,Standard Chartered's HK virtual bank.,,mox.com,https://mox.com,,,
WeLab Bank,traditional,general,Asia,"Hong Kong, HK",,Asia,2020,Custodial,Licensed bank,HK virtual bank,MC,Debit,,false,Yes,Time deposits,Rewards,,,,,,,,,,,Sequoia Capital; Alibaba Entrepreneurs Fund,Simon Loong,underwriting,Homegrown HK virtual bank.,,welab.bank,https://welab.bank,,,
Up,traditional,general,ANZ,"Melbourne, AU",Australia,Oceania,2018,Custodial,Partner-bank model,On Bendigo & Adelaide Bank licence,MC,Debit,,false,Yes,~4% savers (conditions),,,,,,,,,,,,,"Ferocia (Dom Pym, Grant Thomas)",,Design-led neobank (Bendigo-backed).,Built by a tiny Melbourne studio; consistently Australia's most-loved banking app.,up.com.au,https://up.com.au,upbanking,https://up.com.au/terms/,https://up.com.au/privacy/
Judo Bank,traditional,SMB & startups,ANZ,"Melbourne, AU",,Oceania,2016,Custodial,Licensed bank,ADI licence,,,,false,Yes,Competitive TDs,,,,,,,,,,,Public (JDO),,,,Australian SME challenger.,,judo.bank,https://judo.bank,,,
Hnry,traditional,freelancers & creators,ANZ,"Wellington, NZ",New Zealand; Australia,Oceania,2017,Custodial,Partner-bank model,"Partner bank (ASB in NZ; Monoova/Cuscal in AU); registered tax agent, client accounts in own name",MC,Business debit,,false,Yes,,,,,,,,,,,,~A$70M raised,Left Lane Capital; AirTree Ventures; Icehouse Ventures,"James Fuller, Claire Fuller",,Tax + banking for sole traders (NZ/AU).,Flat-fee 'never think about tax again' banking for NZ/AU sole traders.,hnry.co.nz,https://hnry.co.nz,hnry_nz,,https://hnry.co.nz/privacy
TymeBank,traditional,underbanked,Africa,"Johannesburg, ZA",South Africa,Africa,2018,Custodial,Licensed bank,SA banking licence,Visa,Debit,,false,Yes,Up to ~10% GoalSave,Smart Shopper,,,,10,customers,2024,,,,~$400M; unicorn (2024),Tencent; Apis Partners; Nubank; Norrsken22; British International Investment,Coen Jonker + team,,10M+ customers; kiosk onboarding; unicorn.,Kiosk onboarding inside Pick n Pay stores cracked mass-market South African banking; now exporting the model to Asia.,tymebank.co.za,https://tymebank.co.za,TymeBankZA,https://www.tymebank.co.za/legal/,https://www.tymebank.co.za/legal/privacy-policy/
Bank Zero,traditional,general,Africa,"Johannesburg, ZA",,Africa,2018,Custodial,Licensed bank,Mutual bank licence (SA),MC,Debit,,false,Yes,,,,,,,,,,,,,,"Michael Jordaan, Yatin Narsai",,Mutual-model app-only bank.,Ex-FNB CEO's zero-fee mutual bank built on its own core stack.,bankzero.co.za,https://bankzero.co.za,,,
Discovery Bank,traditional,general,Africa,"Johannesburg, ZA",,Africa,2019,Custodial,Licensed bank,SA banking licence,Visa,Debit + credit,,false,Yes,Dynamic rates,Vitality rewards,,,,,,,,,,,,,interface,Behavioural 'shared-value' digital bank.,,discovery.co.za,https://discovery.co.za,,,
Kuda,traditional,general,Africa,"Lagos, NG",Nigeria; United Kingdom,Africa,2019,Custodial,Licensed bank,Microfinance bank (NG),Visa,Debit,,false,Yes,Annual interest,,,,,,,,,,,~$90M raised,Valar Ventures; Target Global; SBI Group,"Babs Ogundeyi, Musty Mustapha",,'Bank of the free'; NG + UK remittance.,"'The bank of the free' — Nigeria's most-funded consumer neobank, now bridging NG↔UK remittance.",kuda.com,https://kuda.com,joinkuda,https://kuda.com/en-ng/legal/,https://kuda.com/en-ng/legal/privacy-policy/
OPay,traditional,underbanked,Africa,"Lagos, NG",Nigeria; Egypt,Africa,2018,Custodial,Payment institution,Payment licences (NG),Verve/MC,Debit,,false,Yes,Daily interest (Owealth),Offers,,,,60,users,2024,~$100B+,TPV · 2024,company PRs,~$570M raised,SoftBank; HongShan; Source Code Capital,Yahui Zhou (Opera),,60M+ users; agent-network powerhouse.,Opera's super-app bet on Nigeria; 60M users via a massive street-agent network.,opayweb.com,https://opayweb.com,OPay_NG,https://www.opayweb.com/terms,https://www.opayweb.com/privacy
PalmPay,traditional,underbanked,Africa,"Lagos, NG",Nigeria; Ghana; Tanzania; Kenya,Africa,2019,Custodial,Payment institution,Mobile money licence (NG),Verve/MC,Debit,,false,Yes,Daily interest,Offers,,,,35,users,2025,,,,,Transsion; NetEase,Transsion-backed team,underwriting,35M+ users; Transsion-backed.,,palmpay.com,https://palmpay.com,PalmPay_ng,https://www.palmpay.com/terms,https://www.palmpay.com/privacy
Moniepoint,traditional,SMB & startups,Africa,"Lagos, NG",Nigeria; Kenya,Africa,2015,Custodial,Other / mixed,MFB + switching licences (NG),Verve/MC,Business + personal,,false,Yes,,,,,,,,,,,,~$180M+; unicorn,Oui Capital; QED Investors; Development Partners International; Google (Africa Investment Fund); Lightrock; Visa,"Tosin Eniolorunda, Felix Ike",underwriting,SME banking unicorn.,"Started as agent-banking infrastructure, became the bank behind millions of Nigerian small businesses.",moniepoint.com,https://moniepoint.com,moniepoint,,https://moniepoint.com/privacy-policy
FairMoney,traditional,general,Africa,"Lagos, NG",,Africa,2017,Custodial,Licensed bank,Microfinance bank (NG),,,,false,Yes,High NGN fixed savers,,,,,,,,,,,,Tiger Global; Flourish Ventures; Speedinvest,"Laurin Hainy, Matthieu Gendreau, Nicolas Berthozat",underwriting,Credit-led Nigerian neobank.,,fairmoney.io,https://fairmoney.io,,,
Carbon,traditional,general,Africa,"Lagos, NG",,Africa,2012,Custodial,Licensed bank,Microfinance bank (NG),Visa,Debit,,false,Yes,Fixed savings,,,,,,,,,,,,Partech,"Chijioke Dozie, Ngozi Dozie",underwriting,Lending-first digital bank.,,getcarbon.co,https://getcarbon.co,,,
ALAT by Wema,traditional,general,Africa,"Lagos, NG",,Africa,2017,Custodial,Licensed bank,Bank (Wema Bank),Visa,Debit,,false,Yes,Goal savings,,,,,,,,,,,,,,,Nigeria's first fully digital bank.,,alat.ng,https://alat.ng,,,
Sparkle,traditional,general,Africa,"Lagos, NG",,Africa,2019,Custodial,Licensed bank,Microfinance bank (NG),Visa,Debit,,false,Yes,,,,,,,,,,,,,,Uzoma Dozie,,Lifestyle + SMB digital bank.,,sparkle.ng,https://sparkle.ng,,,
Umba,traditional,general,Africa,Lagos/Nairobi,,Africa,2018,Custodial,Partner-bank model,"Microfinance bank licence in Kenya (majority stake in Daraja MFB, CBK-approved 2022); Nigeria via partner bank",,,,false,Yes,,,,,,,,,,,,~$20M raised,,"Tiernan Kennedy, Barry O'Mahony",,NG + KE digital bank (acquired MFB licence).,,umba.com,https://umba.com,,,
Djamo,traditional,underbanked,Africa,"Abidjan, CI",Côte d'Ivoire; Senegal,Africa,2019,Custodial,Partner-bank model,"Microfinance licence (BCEAO / Côte d'Ivoire MEF, Sep 2025 — first fintech); cards with partner banks",Visa,Debit,,false,Yes,,,,,,,,,,,,~$30M raised,Y Combinator; Partech; Janngo Capital,"Hassan Bourgi, Régis Bamba",,YC-backed francophone-Africa neobank; 1M+.,YC's first Ivorian startup; banking francophone West Africa's mobile-money generation.,djamo.io,https://djamo.io,djamoapp,https://www.djamo.io/terms,https://www.djamo.io/privacy
Wave,traditional,underbanked,Africa,"Dakar, SN",Senegal; Côte d'Ivoire; Mali; Burkina Faso; Uganda; Gambia,Africa,2018,Custodial,E-money institution,First non-telecom e-money issuer (BCEAO),,,,false,Yes,,,,,,,,,,,,~$300M+; unicorn,HRTG (Sequoia Heritage); Founders Fund; Stripe; Ribbit Capital; Partech,"Drew Durbin, Lincoln Quirk",,Radically cheap mobile money; 10M+ users.,Cut Senegal's mobile-money fees by ~70% with a Sendwave spin-out; francophone Africa's first unicorn.,wave.com,https://wave.com,wave_senegal,,https://www.wave.com/en/privacy/index.html
Eversend,traditional,general,Africa,Kampala/Paris,,Africa,2017,Custodial,E-money institution,E-money issuer + PSP licences (Bank of Uganda); FinCEN and FINTRAC registrations,Visa,Virtual cards,,false,Yes,,,,,,,,,,,,,,Stone Atwine,,Pan-African multicurrency + transfers.,,eversend.co,https://eversend.co,,,
Fingo,traditional,gen z & students,Africa,"Nairobi, KE",,Africa,2021,Custodial,Partner-bank model,Partner bank (Ecobank Kenya); Central Bank of Kenya-approved product,,,,false,Yes,,,,,,,,,,,,~$4M raised,,Kiiru Muhoya + team,,Youth neobank with Ecobank.,,fingo.africa,https://fingo.africa,,,
Branch Intl,traditional,general,Africa,Nairobi/Lagos,,Africa,2015,Custodial,Licensed bank,"Microfinance bank licence in Kenya (84.9% of Century MFB, CBK-approved 2022); digital lending in NG/IN",,,,false,Yes,Yield wallet,,,,,,,,,,,~$260M raised,,"Matt Flannery (Kiva co-founder), Daniel Jung",underwriting,Digital lending → neobanking (KE/NG/IN).,,branch.co,https://branch.co,,,
Khazna,traditional,underbanked,Africa,"Cairo, EG",,Africa,2020,Custodial,Licence pending (partner model today),Pursuing Central Bank of Egypt digital-bank licence (target mid-2026); lends via FRA-regulated entities,,,,false,Yes,,,,,,,,,,,,~$60M+ raised,,Omar Saleh,,Egyptian financial super-app.,,khazna.app,https://khazna.app,,,
MNT-Halan,traditional,underbanked,Africa,"Cairo, EG",,Africa,2018,Custodial,Licensed bank,"Microfinance and consumer finance licences (FRA, Egypt); e-payments arm licensed by CBE",,,,false,Yes,,,,,,,,,,,,~$600M+ incl. debt; unicorn,,"Mounir Nakhla, Ahmed Mohsen",underwriting,Egypt's lending super-app unicorn.,,halan.com,https://halan.com,,,
Flouci,traditional,underbanked,Africa,"Tunis, TN",Tunisia,Africa,2018,Custodial,Other / mixed,"Partner-bank model — BCT regulatory sandbox (1st cohort, 2020); not a bank",Visa,Debit (physical + virtual),,false,Yes,~7% savings account,,,,,,,,,,,~$2M raised,Musha Ventures; Launch Africa,"Nebras Jemel, Anis Kallel, Rostom Bouazizi (Kaoun)",,Tunisia's digital-banking super-app; BCT sandbox; 250K+ accounts.,Tunisia's financial super-app by Kaoun — free bank account + wallet with the first e-KYC and home-delivered card in the country.,flouci.com,https://flouci.com,,https://fr.flouci.com/legal/conditions-dutilisation-du-service-flouci,https://fr.flouci.com/legal/politique-de-confidendialite-du-client
Grey,traditional,freelancers & creators,Africa,"Lagos, NG",Nigeria; Kenya,Africa,2020,Custodial,VASP / MSB / crypto licences,"MSB registrations (FinCEN US, FINTRAC Canada); accounts via licensed banking partners",MC,Virtual USD cards,,false,Yes,,,,,,,,,,,,YC-backed,,"Idorenyin Obong, Femi Aghedo",,USD/GBP/EUR accounts for African freelancers.,,grey.co,https://grey.co,grey_finance,https://grey.co/legal/terms-of-service,https://grey.co/legal/privacy-policy
PaySika,traditional,underbanked,Africa,"Douala, CM",Cameroon; Côte d'Ivoire,Africa,2020,Custodial,Other / mixed,Cards issued by Ecobank Cameroon under Visa licence; PaySika Holding registered in France,Visa,Prepaid (virtual + physical),,false,Yes,,,,,,,,,,,,~$350K pre-seed (2021); Oui Capital's first Cameroon investment (2025),Oui Capital,"Roger Nengwe Ntafam, Stezen Bisselou-Nzengue",,"Chatbot-first neobank for francophone Africa — free Visa cards managed from WhatsApp, Messenger or Telegram; issued with Ecobank Cameroon.",Two Cameroonian engineers who met in French engineering school built the region's first chatbot neobank — a 2020 pilot hit 275% month-over-month growth with zero marketing; now in Visa's Fast Track programme.,paysika.co,https://paysika.co,Paysika_Afrique,https://paysika.co/cm/en/general-conditions-of-use/,
Cleva,traditional,freelancers & creators,Africa,"Lagos, NG",,Africa,2023,Custodial,Partner-bank model,MSB registration (FinCEN); USD accounts via licensed FDIC-insured US partner banks,Visa,Virtual USD cards,,false,Yes,,,,,,,,,,,,YC-backed,,"Tolu Alabi, Philip Abel",,YC-backed USD accounts for Africans.,,getcleva.com,https://getcleva.com,,,
Telda,traditional,gen z & students,MENA,"Cairo, EG",Egypt,MENA,2021,Custodial,Other / mixed,CBE-regulated (Meeza),MC,Debit,,false,Yes,,,,,,,,,,,,~$60M raised,,"Ahmed Sabbah, Youssef Sholqamy",,Egypt's Gen-Z P2P + card app.,Founded by Swvl's ex-CTO; Egypt's first Gen-Z money app.,telda.app,https://telda.app,telda,https://www.telda.app/terms,https://www.telda.app/privacy
Wio Bank,traditional,general,MENA,"Abu Dhabi, AE",UAE,MENA,2022,Custodial,Licensed bank,UAE banking licence,Visa,Debit,,false,Yes,Competitive AED/USD savers,,,,,,,,,,,,ADQ; e&; Mubadala,"ADQ, e&, FAB consortium",,ADQ/e&-backed; retail + SMB.,,wio.io,https://wio.io,wiobank,https://www.wio.io/terms,https://www.wio.io/privacy-policy
Zand,traditional,general,MENA,"Dubai, AE",,MENA,2022,Custodial,Licensed bank,UAE banking licence,Visa,Digital banking,,false,Yes,Deposits,,,,,,,,,,,,,Mohamed Alabbar-led group,,First UAE all-digital bank licence; crypto-friendly corporate banking.,First fully digital UAE bank licence; corporate arm banks the Gulf's crypto companies.,zand.ae,https://zand.ae,,,
YAP,traditional,general,MENA,"Dubai, AE",,MENA,2021,Custodial,Partner-bank model,"Partner bank (Ruya Community Islamic Bank, CBUAE-licensed; formerly RAKBANK)",Visa,Debit,,false,Yes,,,,,,,,,,,,,,"Marwan Hachem, Anas Zaidan",,UAE's first independent digital banking app.,,yap.com,https://yap.com,,,
Liv.,traditional,general,MENA,"Dubai, AE",,MENA,2017,Custodial,Licensed bank,Operates under Emirates NBD's banking licence (CBUAE) as its digital bank,Visa,Debit,,false,Yes,Goal savers,Rewards,,,,,,,,,,,,,,Emirates NBD's lifestyle bank.,,liv.me,https://liv.me,,,
Pyypl,traditional,underbanked,MENA,"Dubai, AE",,MENA,2017,Custodial,Payment institution,"FSRA (ADGM) money services licence No. 170031; non-bank payment institution; also CBB Bahrain, AFSA Kazakhstan",MC,Prepaid,,false,Yes,,,,,,,,,,,,~$60M raised,,Antti Arponen,,Cards for the smartphone-first unbanked.,,pyypl.com,https://pyypl.com,,,
NOW Money,traditional,immigrants & migrants,MENA,"Dubai, AE",,MENA,2016,Custodial,E-money institution,E-money institution / Stored Value Facility licence (Central Bank of UAE); funds safeguarded at UAE banks incl. CBI,Visa,Payroll + debit,,false,Yes,,,,,,,,,,,,,,"Katharine Budd, Ian Dillon",,Accounts for migrant workers in the Gulf.,Payroll accounts for Gulf migrant workers excluded from traditional banks.,nowmoney.me,https://nowmoney.me,,,
Sarwa,traditional,general,MENA,"Dubai, AE",,MENA,2017,Custodial,Broker-led,"FSRA-regulated (ADGM, UAE) investment platform; robo-advisory and broker services",,,,false,Yes,Sarwa Save yield,,,,,,,,,,,,,"Mark Chahwan, Jad Sayegh, Nadine Mezher",,Invest + trade + cash app.,,sarwa.co,https://sarwa.co,,,
ila Bank,traditional,general,MENA,"Manama, BH",,MENA,2019,Custodial,Licensed bank,Bank (ABC Group),Visa,Debit,,false,Yes,Savers,,,,,,,,,,,,,,,Bank ABC's digital bank.,,ilabank.com,https://ilabank.com,,,
Tweeq,traditional,general,MENA,"Riyadh, SA",,MENA,2022,Custodial,E-money institution,SAMA e-money licence,Mada/Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,Saudi spending account.,,tweeq.sa,https://tweeq.sa,,,
STC Bank,traditional,general,MENA,"Riyadh, SA",,MENA,2018,Custodial,Licensed bank,Digital bank licence (SAMA),Visa/Mada,Debit,,false,Yes,,Rewards,,,,,,,,,,,,,,From STC Pay to full digital bank.,,stcbank.com.sa,https://stcbank.com.sa,,,
D360 Bank,traditional,faith-based,MENA,"Riyadh, SA",,MENA,2023,Custodial,Licensed bank,Digital bank licence (SAMA); PIF-backed,Mada/Visa,Debit,,false,Yes,Shariah-compliant,,,,,,,,,,,,,,,PIF-backed Islamic digital bank.,,d360.com,https://d360.com,,,
Weyay,traditional,gen z & students,MENA,"Kuwait City, KW",,MENA,2021,Custodial,Licensed bank,Bank (NBK),Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,NBK's youth-first digital bank.,,weyay.com,https://weyay.com,,,
One Zero,traditional,general,MENA,"Tel Aviv, IL",Israel,MENA,2019,Custodial,Licensed bank,Israeli banking licence,MC,Debit,,false,Yes,Competitive deposits,,,,,,,,,,,~$500M raised,,Amnon Shashua (Mobileye founder),interface,Israel's first new bank in 40+ years; AI banker.,"Israel's first new bank in 40+ years, built around an AI private banker.",onezerobank.com,https://onezerobank.com,OneZeroBank,https://www.onezerobank.com/terms/,https://www.onezerobank.com/privacy/
Pride Bank,traditional,LGBTQ+,LatAm,"São Paulo, BR",,Latin America,2019,Custodial,Partner-bank model,"Not a bank; payment arrangement on Digital Banks' rails (BaaS, Brazil)",MC,Debit,,false,Yes,,,,,,,,,,,,,,Márcio Orlandi Jr.,,Digital bank for Brazil's LGBTQ+ community.,"Brazil's digital bank for the LGBTQ+ community, born from exclusion at traditional branches.",pridebank.com.br,https://pridebank.com.br,,,
Revolut,hybrid,general,Global,"London, UK",United Kingdom; Ireland; France; Germany; Spain; Italy; Poland; Romania; Lithuania; Netherlands; Portugal; United States; Australia; Singapore; Japan; Brazil; New Zealand; Switzerland; Mexico; India,Europe; North America; Oceania; Asia; Latin America,2015,Custodial,Licensed bank,UK banking licence (2024); EU licence (Lithuania),Visa/MC,Debit + credit,on-ramp; off-ramp; fiat-payin; fiat-payout; iban; multi-currency; virtual-cards; crypto-cards,true,Yes,Savings vaults,Perks by tier,"Interbank rate; free to £/$1,000/mo on weekdays, 0.5% over; +1% weekend markup",2026-07,https://www.revolut.com/en-US/legal/standard-fees/,50,customers,2025,,,,~$2B raised; val ~$75B,Index Ventures; DST Global; Balderton Capital; Ribbit Capital; Tiger Global,"Nik Storonsky, Vlad Yatsenko",interface,50M+ users; crypto trading; stablecoin in FCA sandbox 2026.,From a fee-free FX card in Canary Wharf to a 50M-user global super-app; the UK licence took nine years.,revolut.com,https://revolut.com,RevolutApp,https://www.revolut.com/legal/terms/,https://www.revolut.com/privacy-policy/
Cash App,hybrid,general,US,"Oakland, US",United States,North America,2013,Custodial,VASP / MSB / crypto licences,Via Block's bank + BitLicense,Visa,Debit,on-ramp; off-ramp; fiat-payin; fiat-payout; iban; virtual-cards,false,Yes,~4% savings (conditions),Boosts,3% foreign transaction fee; waived on card-present txns for Cash App Green users,2026-07,https://cash.app/us/en/legal/tos,59,transacting actives,2025,$316B,inflows · FY2025,Block 10-K,Public (XYZ),,Block (Jack Dorsey),,Block's P2P giant; BTC + Lightning.,Square's P2P experiment became Block's consumer bank and America's biggest retail bitcoin on-ramp.,cash.app,https://cash.app,CashApp,https://cash.app/legal/us/en-us/tos,https://cash.app/legal/us/en-us/privacy
Venmo,hybrid,general,US,"New York, US",United States,North America,2009,Custodial,VASP / MSB / crypto licences,"PayPal's US state licences (money transmitter, NMLS 910457); crypto via NYDFS trust company PayPal Digital",Visa/MC,Debit + credit,,true,Yes,,Up to 3% (credit),,,,,,,,,,PayPal (PYPL),,"Andrew Kortina, Iqram Magdon-Ismail",,PayPal-owned; crypto incl. PYUSD.,,venmo.com,https://venmo.com,Venmo,https://venmo.com/legal/us-user-agreement/,https://venmo.com/legal/us-privacy-policy/
Robinhood,hybrid,general,US,"Menlo Park, US",United States; United Kingdom,North America,2013,Custodial,Partner-bank model,Broker-dealer + partner banks; state crypto licences,MC,Debit (Cash Card),,true,Yes,~4% Gold APY,Round-up boosts,,,,,,,,,,Public (HOOD),Index Ventures; Andreessen Horowitz; DST Global; Ribbit Capital; Sequoia Capital,"Vlad Tenev, Baiju Bhatt",interface,Broker + banking + crypto; USDG consortium member.,,robinhood.com,https://robinhood.com,RobinhoodApp,https://robinhood.com/us/en/about/legal/,https://robinhood.com/us/en/support/articles/privacy-policy/
Crypto.com,hybrid,general,Global,"Singapore, SG",Singapore; United States; United Kingdom; European Union; Australia; Brazil; Canada; UAE; South Korea,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2016,Custodial,MiCA CASP (EU),"MiCA CASP, MAS MPI, US MSBs",Visa,Prepaid (metal tiers),on-ramp; off-ramp; fiat-payin; fiat-payout; crypto-cards,true,Yes,Earn on crypto/stables,Up to 5% CRO,,,,,,,,,,,,Kris Marszalek + 3,,Tiered staking-gated cards; 90+ countries.,Rebranded from Monaco after buying the crypto.com domain; the arena-naming-rights era of CeFi.,crypto.com,https://crypto.com,cryptocom,https://crypto.com/document/terms,https://crypto.com/document/privacy
Coinbase Card,hybrid,general,US,"San Francisco, US",United States; United Kingdom; European Union; Canada; Australia; Singapore; Brazil,North America,2012,Custodial,MiCA CASP (EU),"US state licences, MiCA; Public (COIN)",Visa/Amex,Debit + credit,crypto-cards; virtual-cards,true,Yes,USDC rewards,Up to 4% rotating,,,,,,,,,,Public (COIN),Andreessen Horowitz; Union Square Ventures; Ribbit Capital,"Brian Armstrong, Fred Ehrsam",agentic,Exchange card + new Amex One Card; Base builder.,,coinbase.com,https://coinbase.com,coinbase,https://www.coinbase.com/legal/user_agreement,https://www.coinbase.com/legal/privacy
Binance Card,hybrid,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2017,Custodial,VASP / MSB / crypto licences,Jurisdiction-dependent VASP registrations,Visa,Debit,,true,Yes,Earn products,Up to 8% BNB,,,,,,,,,,,,Changpeng Zhao,,Availability varies; regional relaunches.,,binance.com,https://binance.com,,,
Bybit Card,hybrid,general,Global,"Dubai, AE",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2018,Custodial,VASP / MSB / crypto licences,VARA (Dubai) + regional,MC,Debit,crypto-cards; virtual-cards,true,Yes,Earn,Up to 10% campaigns,"Region-dependent FX on Mastercard rate: EEA 0.5%, AU 1%, BR 1.5%, APAC/MX 2%, AR 7%; +0.9% if crypto-funded",2026-07,https://www.bybit.com/en/help-center/article/Fees-and-Spending-Limits-Bybit-Card,,,,,,,,,Ben Zhou,,Trader-focused; caps lower effective rates.,,bybit.com,https://bybit.com,,,
OKX Card,hybrid,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2017,Custodial,MiCA CASP (EU),"VARA, MiCA (Malta)",Visa,Debit,crypto-cards; virtual-cards,true,Yes,Earn,Up to 5%,,,,,,,,,,,,Star Xu,agentic,Best rates for active OKX users.,,okx.com,https://okx.com,,,
Bitget Card,hybrid,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2018,Custodial,VASP / MSB / crypto licences,"Exchange VASP registrations (Lithuania, Bulgaria, Poland, Czechia); cards via issuer partners (DCS, Fiat24, Immersve)",Visa,Debit,,true,Yes,Earn,Campaign rewards,,,,,,,,,,,,,,Exchange-linked card.,,bitget.com,https://bitget.com,,,
KuCard,hybrid,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2017,Custodial,MiCA CASP (EU),Card issued by Wallester AS (Estonian payment institution); KuCoin EU holds Austrian MiCA CASP licence,Visa,Debit,,true,Yes,Earn,Rewards,,,,,,,,,,,,,,KuCoin's card.,,kucoin.com,https://kucoin.com,,,
CEX.IO Card,hybrid,general,Global,"London, UK",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2013,Custodial,VASP / MSB / crypto licences,MSB (FinCEN) + US state money-transmitter licences; UK FCA cryptoasset registration; EU VASP (Lithuania),Visa,Debit,,true,Yes,Earn/staking,Rewards,,,,,,,,,,,,,,Veteran exchange with card.,,cex.io,https://cex.io,,,
SpectroCoin,hybrid,general,Europe,"Vilnius, LT",,Europe,2013,Custodial,E-money institution,Crypto VASP (Lithuania); e-money IBANs and Visa cards via UAB Pervesk (Bank of Lithuania EMI No. 17),Visa,Prepaid,,true,Yes,,,,,,,,,,,,,,,,Baltic crypto wallet + card.,,spectrocoin.com,https://spectrocoin.com,,,
Bitpanda,hybrid,general,Europe,"Vienna, AT",Austria; Germany; France; Spain; Italy; United Kingdom,Europe,2014,Custodial,MiCA CASP (EU),MiCA (AT); BaFin licences,Visa,Debit,on-ramp; off-ramp; fiat-payin; fiat-payout; multi-currency; crypto-cards,true,Yes,Staking,Up to 2% (BEST),0% Bitpanda FX on non-EUR (Visa markup may apply); real cost is the crypto-sell spread,2026-07,https://support.bitpanda.com/hc/en-us/articles/360018933120-What-is-the-Bitpanda-Card-and-what-are-its-benefits,,,,,,,~$500M; unicorn,Valar Ventures; Speedinvest,"Eric Demuth, Paul Klanschek, Christian Trummer",,Stocks + crypto + metals broker with card.,,bitpanda.com,https://bitpanda.com,bitpanda,https://www.bitpanda.com/en/legal,https://www.bitpanda.com/en/privacy-policy
eToro Money,hybrid,general,Europe,"Tel Aviv, IL",,Europe,2007,Custodial,E-money institution,"Broker-led; e-money institution (eToro Money UK, FCA FRN 900203; eToro Money Malta, MFSA)",Visa,Debit,off-ramp; fiat-payin; fiat-payout; multi-currency,true,Yes,Staking,,"0% FX fee; interbank rate, no markup on supported currencies (UK/EU)",2026-07,https://www.etoro.com/money/using-debit-card-abroad/,,,,,,,Public (ETOR),,"Yoni Assia, Ronen Assia, David Ring",interface,Broker money app + card (UK/EU).,,etoro.com,https://etoro.com,,,
Tap Global,hybrid,general,Europe,"London, UK",,Europe,2018,Custodial,E-money institution,"Gibraltar DLT/VASP licence (GFSC, No. 25532); cards via Transact Payments EMI",MC,Prepaid,,true,Yes,,Cashback tiers,,,,,,,,,,,,,,Crypto + fiat app with card.,,withtap.com,https://withtap.com,,,
CoinJar,hybrid,general,ANZ,"Melbourne, AU",,Oceania,2013,Custodial,Payment institution,"VASP registrations (AUSTRAC DCE, Australia; FCA cryptoasset, UK); card issued by EML (AFSL 404131)",MC,Debit,,true,Yes,,Points,,,,,,,,,,,,"Asher Tan, Ryan Zhou",,Australia's longest-running exchange + card.,,coinjar.com,https://coinjar.com,,,
Plutus,hybrid,general,Europe,"London, UK",,Europe,2015,Custodial,Self-custodial software,E-money card via Modulr (FCA EMI; Lithuanian EMI for EEA); PLU rewards self-custodial,Visa,Debit,on-ramp; off-ramp; fiat-payin; fiat-payout; iban; multi-currency; virtual-cards; crypto-cards,false,Yes,,Up to 8% PLU,,,,,,,,,,,,,,Perk-stacking rewards card.,,plutus.it,https://plutus.it,,,
Fold,hybrid,general,US,"Phoenix, US",United States,North America,2019,Custodial,Partner-bank model,"Partner bank (Sutton Bank) issues Fold Visa prepaid card; BTC via Fortress Trust, BitGo-insured custody",Visa,Prepaid + credit,,false,Yes,BTC on savings,BTC rewards,,,,,,,,,,Public (FLD),Craft Ventures,Will Reeves,,Bitcoin-rewards card; public co (FLD).,,foldapp.com,https://foldapp.com,fold_app,https://foldapp.com/legal/legal-overview,https://foldapp.com/legal/privacy-policy
Gemini Credit Card,hybrid,general,US,"New York, US",United States,North America,2014,Custodial,VASP / MSB / crypto licences,NYDFS trust,MC,Credit,,true,Yes,,Up to 4% BTC/ETH,,,,,,,,,,"Public (GEMI, 2025)",,Cameron & Tyler Winklevoss,,Real-time crypto-back credit.,,gemini.com,https://gemini.com,Gemini,https://www.gemini.com/legal/user-agreement,https://www.gemini.com/legal/privacy-policy
BitPay Card,hybrid,general,US,"Atlanta, US",,North America,2011,Custodial,VASP / MSB / crypto licences,BitLicense (NYDFS) + FinCEN MSB + 20+ state money-transmitter licences,MC,Prepaid,,true,Yes,,,,,,,,,,,,,,"Tony Gallippi, Stephen Pair",,OG crypto payments + card.,,bitpay.com,https://bitpay.com,,,
Strike,hybrid,general,Global,"Chicago, US",United States; El Salvador; Argentina; Mexico; Philippines; Vietnam; Nigeria; Kenya; Ghana,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2019,Custodial,VASP / MSB / crypto licences,"Money transmitter licences + NY BitLicense (NYDFS, 2026); Zap Solutions, Inc.",Visa,Debit (US),on-ramp; off-ramp; fiat-payin; fiat-payout; iban,true,Yes,,BTC rewards,,,,,,,,,,~$90M raised,Ten31,Jack Mallers,,Lightning-native payments + remittance.,Chicago Lightning evangelist turning bitcoin rails into invisible remittance infrastructure.,strike.me,https://strike.me,Strike,https://strike.me/legal/tos/,https://strike.me/legal/privacy/
Xapo Bank,hybrid,general,Global,Gibraltar,Gibraltar; United Kingdom; UAE; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2013,Custodial,Licensed bank,Gibraltar banking licence,MC,Debit,,true,Yes,Interest on BTC + USD,1% in BTC,,,,,,,,,,,Benchmark; Index Ventures; Greylock,Wences Casares,,Licensed private bank for BTC wealth.,Casares — patient zero of Silicon Valley bitcoin — built a private bank for BTC wealth after his family lost everything to Argentine devaluations.,xapobank.com,https://xapobank.com,xapobank,https://www.xapobank.com/en/terms,
Wirex,hybrid,general,Global,"London, UK",United Kingdom; European Union; Singapore; Australia; United States,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2014,Custodial,E-money institution,"E-money institution (FCA, FRN 902025); crypto via Wirex Digital Services VASP (OAM Italy)",Visa,Debit,on-ramp; off-ramp; fiat-payin; fiat-payout; iban; multi-currency; virtual-cards; crypto-cards,true,Yes,X-Accounts yield,Up to 8% Cryptoback,"0% FX markup (Visa principal member), all tiers; small spread if funding from crypto",2026-07,https://www.wirexapp.com/en-gb/stablecoin-and-crypto-card,,,,,,,,,"Pavel Matveev, Dmitry Lazarichev",agentic,Earliest-wave crypto card; 180+ countries.,,wirexapp.com,https://wirexapp.com,wirexapp,https://wirexapp.com/terms-and-conditions,https://wirexapp.com/privacy-policy
Uphold,hybrid,general,Global,"New York, US",United States; United Kingdom; European Union; Brazil; Mexico; Argentina,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2015,Custodial,VASP / MSB / crypto licences,FinCEN MSB + state money-transmitter licences (US); FCA-registered cryptoasset firm (UK),Visa/MC,Debit,,true,Yes,Staking,Up to 2%,,,,,,,,,,,,Halsey Minor (CNET founder),,"Multi-asset: crypto, metals, FX.",,uphold.com,https://uphold.com,UpholdInc,https://uphold.com/legal,https://uphold.com/legal/privacy-policy
Nexo,hybrid,general,Global,"Zug, CH",United Kingdom; European Union; Switzerland; Brazil; Mexico,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2018,Custodial,MiCA CASP (EU),EU VASP registrations; MiCA CASP application pending; EEA served via MiCA-licensed Tangany + DLT Finance,Visa/MC,Dual credit/debit,on-ramp; off-ramp; crypto-cards; virtual-cards,true,Yes,Earn (tiers),Up to 2% (credit mode),,,,,,,,,,,,"Antoni Trenchev, Kosta Kantchev",interface,Crypto credit lines; rewards in credit mode.,,nexo.com,https://nexo.com,Nexo,https://nexo.com/terms,https://nexo.com/privacy-policy
Krak,hybrid,general,Global,"San Francisco, US",United States; European Union; United Kingdom; Canada; Australia,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2025,Custodial,MiCA CASP (EU),US state licences; MiCA (EU),MC,Debit,,true,Yes,Yield incl. stables,Spend rewards,,,,,,,,,,,Hummingbird Ventures; Tribe Capital; Blockchain Capital,Kraken,,Kraken's consumer money app.,"Kraken's move from exchange to money app: spend, yield and P2P Kraktags on one balance.",krak.com,https://krak.com,krak,https://krak.com/legal,https://www.kraken.com/legal/privacy
KAST,hybrid,general,Global,"Hong Kong, HK",Hong Kong; Singapore; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Custodial,Partner-bank model,"Runs on licensed partners' rails: custody via BitGo/Fireblocks, Visa cards via licensed issuers; not a bank",Visa,Prepaid (tiers),,true,Yes,Vaults up to ~10%,Up to 3% stablecoin,,,,,,,,,,~$70M+ at ~$600M valuation (2026),Peak XV Partners; HongShan,,,Stablecoin neobank; ~$600M valuation.,"Stablecoin-native neobank for the dollar-hungry global middle class; premium metal tiers, HK roots.",kast.xyz,https://kast.xyz,Kast_money,https://www.kast.xyz/terms,https://www.kast.xyz/legal/privacy-policy
RedotPay,hybrid,general,Global,"Hong Kong, HK",Hong Kong; Singapore; Brazil; Argentina; Nigeria; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Custodial,VASP / MSB / crypto licences,"Hong Kong MSO, money lender + TCSP licences; VASP (RedotX UAB, Lithuania FCIS); MSB registrations (US/Canada)",Visa/MC,Prepaid,,true,Yes,,Up to 1%,,,,,,,$2.95B,card volume · 2025 · >4x next 13 combined,CoinDesk/StraitsX,~$90M raised,,Michael Gao,agentic,Processed $2.95B card volume in 2025 — over 4x its next 13 competitors combined.,"Hong Kong crypto-card leader: $2.95B card volume in 2025, more than 4x its next 13 competitors combined (CoinDesk/StraitsX).",redotpay.com,https://redotpay.com,RedotPay,https://www.redotpay.com/en/terms/,https://www.redotpay.com/en/privacy/
Kolo,hybrid,travel & digital nomads,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2022,Custodial,VASP / MSB / crypto licences,AIFC FinTech Lab licence (Kazakhstan) + Polish VASP; cards issued by Banco Popular de Puerto Rico,Visa/MC,Prepaid,,true,Yes,,2% BTC,,,,,,,,,,,,,,Zero-fee stablecoin card in 170+ countries; nomad favourite.,,kolo.la,https://kolo.la,,,
Lava,hybrid,general,US,"New York, US",United States,North America,2022,Custodial,Other / mixed,"Custodial (cold storage, distributed keys) since Sept 2025",Visa,Secured credit,,true,Yes,USD yield on deposits,Up to 5% BTC,,,,,,,,,,"~$227M raised (Founders Fund, Khosla)",Founders Fund; Khosla Ventures,Shehzan Maredia,,Bitcoin line of credit + card; dropped self-custody (DLC) for cold-storage custody in Sept 2025.,"Started as self-custodial DLC loans, pivoted to custody after a $200M raise — the loudest custody U-turn in bitcoin fintech.",lava.xyz,https://lava.xyz,lava_xyz,https://lava.xyz/termsofservice,https://lava.xyz/privacypolicy
COCA,hybrid,travel & digital nomads,Global,"Dubai, AE",United Kingdom; European Union; UAE; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,MPC self-custodial,Self-custodial software,MPC self-custody; e-money card partners (UK/EU),Visa/MC,Virtual + physical,,true,Yes,Real-time DeFi APY,Up to 8%,,,,,,,,,,Stellar Development Foundation-backed,Stellar Development Foundation,Pavel Matveev (Wirex co-founder),,"MPC self-banking app: EUR IBAN + card, 75 countries; Wirex-issued cards.",1M+ users in 75 countries; 'self-banking' — EUR IBAN and card on a wallet only the user controls.,coca.xyz,https://coca.xyz,coca_card,https://www.coca.xyz/terms,https://www.coca.xyz/privacy
Trustee Plus,hybrid,general,Europe,"Vilnius, LT",,Europe,2019,Custodial,Licence pending (partner model today),Lithuanian VASP (UAB Trustee Global); pursuing MiCA CASP licence after Jan 2026 wind-down,Visa,Prepaid,,true,Yes,,,,,,,,,,,,,,,,Ukraine-popular crypto card.,,trusteeglobal.eu,https://trusteeglobal.eu,,,
Brighty,hybrid,general,Europe,"Baar (Zug), CH",Switzerland; EEA,Europe,2021,Custodial,VASP / MSB / crypto licences,"Razz Finanzz AG (CH); crypto via Polish VASP registration (Wireflexion); fiat, IBANs and cards via BaaS partners",Visa/MC,Virtual + physical,,true,Yes,Up to 10% stablecoin vaults,Tiers,,,,,,,,,,~$16.3M raised incl. $10M from Futurecraft Ventures (Dec 2024),Futurecraft Ventures,"Roger Buerli, Nick Denisenko (ex-Revolut)",,"Swiss hybrid by ex-Revolut engineers: EUR IBANs + crypto in one app, USDC/USDT/EURC vaults; EU/EEA + CH, 350K+ registrations.","Two ex-Revolut engineers building the Swiss take on the hybrid app: everyday EUR banking with stablecoin vaults up to 10% — custody on Fireblocks, distribution across EU/EEA and Switzerland.",brighty.app,https://brighty.app,brightyapp,https://brighty.app/en/termsAndPolicies,https://brighty.app/en/privacy-policy
UR,hybrid,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Custodial,Licensed bank,"Swiss fintech banking licence (Art. 1b Banking Act, FINMA; SR Saphirstein AG); tokenized deposits",Visa/MC,Debit,,true,Yes,,,,,,,,,,,,,,,,Global stablecoin money app.,,ur.global,https://ur.global,,,
XPlace,hybrid,general,Global,"Dubai, AE",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Custodial,Self-custodial software,Self-custodial (non-custodial Solana smart contracts); cards issued via Rain (Signify Holdings) under Visa licence,Visa/MC,Prepaid,,true,Yes,,,,,,,,,,,,,,,,Crypto card (Pontech issuance).,,xplace.app,https://xplace.app,,,
Mercado Pago,hybrid,general,LatAm,"Buenos Aires, AR",Argentina; Brazil; Mexico; Chile; Colombia; Peru; Uruguay,Latin America,2003,Custodial,Licence pending (partner model today),Payment/fintech licences region-wide; pursuing MX bank licence,Visa/MC,Debit + credit,,true,Yes,Remunerated account,In-app offers,,,,78,MAU,2025,$278B,TPV · FY2025 · +41%,MELI results,Public (MELI),,Marcos Galperin (MELI),underwriting,LatAm super-app; crypto BR/MX; Meli Dollar.,MercadoLibre's payments arm became LatAm's default wallet; issues the Meli Dollar stable token in Brazil.,mercadopago.com,https://mercadopago.com,mercadopago,https://www.mercadopago.com.br/ajuda/termos-e-condicoes_300,https://www.mercadopago.com.br/privacidade
Lemon,hybrid,general,LatAm,"Buenos Aires, AR",Argentina; Brazil; Peru,Latin America,2019,Custodial,VASP / MSB / crypto licences,"Registered VASP/PSAV (CNV Argentina, No. 162); payment account via Digifin S.A.",Visa,Prepaid,,true,Yes,Yield on stables (region),Up to 2% BTC,,,,,,,,,,~$60M raised,,"Marcelo Cavazzoli, Borja Martel",,Argentina's crypto-card leader; 3M+.,"Argentina's crypto card leader, born in a Patagonian town, scaled on stablecoin savings culture.",lemon.me,https://lemon.me,lemoncash_ar,https://www.lemon.me/terms,
Belo,hybrid,general,LatAm,"Buenos Aires, AR",,Latin America,2020,Custodial,VASP / MSB / crypto licences,"VASP registration (CNV PSAV No. 52, Argentina, Jul 2024)",MC,Prepaid,,true,Yes,Yield on stables,Crypto cashback,,,,,,,,,,~$10M raised,,Manuel Beaudroit,,AR crypto neobank; travel-friendly.,,belo.app,https://belo.app,,,
Ripio,hybrid,general,LatAm,"Buenos Aires, AR",,Latin America,2013,Custodial,VASP / MSB / crypto licences,"VASP: PSAV registration with CNV Argentina (Nos. 36/37, 2024); regional entities in BR/MX",Visa,Prepaid,,true,Yes,Earn,Crypto cashback,,,,,,,,,,~$90M raised,Digital Currency Group; Pantera Capital; Boost VC,Sebastián Serrano,,LatAm exchange + card (AR/BR/MX).,,ripio.com,https://ripio.com,,,
Buenbit,hybrid,general,LatAm,"Buenos Aires, AR",,Latin America,2018,Custodial,VASP / MSB / crypto licences,VASP — registered PSAV with CNV (Argentina); stablecoin-focused exchange + card,MC,Prepaid,,true,Yes,DAI/USDC yield,Crypto cashback,,,,,,,,,,~$11M raised,,Federico Ogue,,Stablecoin-heavy AR exchange + card.,,buenbit.com,https://buenbit.com,,,
Bitso,hybrid,general,LatAm,"Mexico City, MX",Mexico; Argentina; Brazil; Colombia,Latin America,2014,Custodial,Licensed bank,IFPE (MX) + regional VASP licences,MC,Debit (MX),,true,Yes,Yield on stables,Crypto cashback,,,,,,,,,,~$400M (val $2.2B),Tiger Global; Coatue; Pantera Capital; QED Investors; Kaszek,"Daniel Vogel, Pablo González, Ben Peters",,LatAm's largest exchange; remittance rails.,Mexico's first crypto unicorn; powers a meaningful share of US–MX remittances over stablecoin rails.,bitso.com,https://bitso.com,Bitso,https://bitso.com/legal/terms-of-service,https://bitso.com/legal/privacy-policy
DolarApp,hybrid,general,LatAm,"Mexico City, MX",Mexico; Argentina; Colombia; Brazil,Latin America,2021,Custodial,Partner-bank model,Digital-dollar (USDC) accounts on regulated partner banks' and custodians' rails; rebranded ARQ 2026,MC,Debit,,true,Yes,Yield on USDc,2% USDc on spend,,,,,,,,,,~$60M+ raised,Y Combinator; Kaszek,"Fernando Terrés, Zach Garman (ex-Revolut)",,Digital-dollar accounts for LatAm.,Digital-dollar accounts (USDc) that let LatAm users escape peso volatility with a card.,dolarapp.com,https://dolarapp.com,DolarApp,https://www.arqfinance.com/en-MX/legal,https://www.arqfinance.com/legal/privacy-policy
Littio,hybrid,general,LatAm,"Bogotá, CO",,Latin America,2021,Custodial,Other / mixed,On/off-ramp + issuer partners; USD via onchain treasuries,Visa,Debit,,true,Yes,USD yield onchain,,,,,,,,,,,,,,,USD accounts for Colombians (onchain rails).,,littio.co,https://littio.co,,,
Meru,hybrid,freelancers & creators,LatAm,"Bogotá, CO",,Latin America,2021,Custodial,VASP / MSB / crypto licences,"MSB registration (FinCEN, R3mit Solutions Inc.); USDC accounts via licensed US/EU partners",Visa,Virtual + physical,,true,Yes,USDC yield,,,,,,,,,,,,,,,Dollar accounts for LatAm freelancers.,,getmeru.com,https://getmeru.com,,,
Airtm,hybrid,freelancers & creators,LatAm,"Mexico City, MX",Mexico; Venezuela; Argentina; Colombia; Peru; Chile; Brazil,Latin America,2015,Custodial,VASP / MSB / crypto licences,"MSB registration (FinCEN, No. 31000329787639); USDC-based dollar wallet",Visa,Virtual,,true,Yes,,,,,,,,,,,,~$70M raised,Ribbit Capital; BlueYard Capital,"Ruben Galindo, Antonio García",,Dollar wallet + P2P payouts.,,airtm.com,https://airtm.com,airtm,https://www.airtm.com/en/terms-of-service,https://www.airtm.com/en/privacy-policy
Félix,hybrid,immigrants & migrants,LatAm,"Mexico City, MX",,Latin America,2022,Custodial,Partner-bank model,US money transmitter — state licences (NMLS 2302775); agent of UniTeller/Intermex; USDC rails via Bitso,,,,true,Yes,,,,,,,,,,,,~$45M raised,,Manuel Godoy,interface,Chat-based remittances on stablecoin rails.,Send dollars home over WhatsApp; stablecoin rails under a chat interface.,felixpago.com,https://felixpago.com,,,
Chipper Cash,hybrid,general,Africa,"San Francisco, US",Nigeria; Ghana; Uganda; Kenya; Rwanda; South Africa; United States; United Kingdom,Africa; North America; Europe,2018,Custodial,E-money institution,"Licensed e-money/payments across Africa (CBN, BoG, BoU, BNR); 40+ US money-transmitter licences; FCA EMI (UK)",Visa,Virtual + physical,,true,Yes,,,,,,,,,,,,~$300M raised,Ribbit Capital; Bezos Expeditions; Deciens Capital,"Ham Serunjogi, Maijid Moujaled",,Pan-African P2P + cards + crypto.,Ugandan-Ghanaian founders built pan-African P2P; survived the FTX-investor winter and refocused on cards + crypto.,chippercash.com,https://chippercash.com,chippercashapp,,
Yellow Card,hybrid,general,Africa,"Lagos, NG",Nigeria; Kenya; South Africa; Ghana; Uganda; Tanzania; Botswana; Cameroon; Senegal; Côte d'Ivoire; Zambia; Rwanda; Malawi; Gabon; DR Congo; Benin; Togo; Burkina Faso; Mali; Madagascar,Africa,2016,Custodial,Other / mixed,Licensed/registered in 20+ African markets,,,,true,Yes,,,,,,,,,,,,~$85M raised,,"Chris Maurice, Justin Poiroux",,Stablecoin ramps across 20+ African markets.,Two Auburn students' bitcoin kiosk became Africa's largest stablecoin on/off-ramp.,yellowcard.io,https://yellowcard.io,yellowcard_app,https://yellowcard.io/legal,https://yellowcard.io/legal/privacy-policy
Bitnob,hybrid,general,Africa,"Lagos, NG",,Africa,2020,Custodial,Partner-bank model,VASP applicant under Nigeria SEC's ARIP (approval-in-principle track); licensed partners for rails,Visa,Virtual USD,,true,Yes,BTC/USDT savings,,,,,,,,,,,,,Bernard Parah,,BTC + stablecoin banking for Africa.,,bitnob.com,https://bitnob.com,,,
Eco (Beam),web3-native,general,US,"New York, US",,North America,2023,Self-custodial,Self-custodial software,Self-custodial (Eco protocol),,,,true,No,Onchain yield,,,,,,,,,,,,,Andy Bromberg,,Self-custodial dollars; Eco protocol.,,beam.eco,https://beam.eco,,,
Deel,hybrid,freelancers & creators,Global,"San Francisco, US",United States; United Kingdom; European Union; Brazil; India; Philippines; Nigeria; Australia; Canada; UAE; Singapore; Global,North America; Europe; Latin America; Asia; Africa; MENA; Oceania,2019,Custodial,VASP / MSB / crypto licences,MSB + US state money-transmitter licences (DPayments); US wallet via Alviere/CFSB; DLUSD via Bridge,,,,true,Yes,Rewards on DLUSD,,,,,,,,,,,~$680M raised,Andreessen Horowitz; Spark Capital; Coatue; Y Combinator; General Catalyst,"Alex Bouaziz, Shuo Wang",,1.5M workers; DLUSD on Bridge+Privy+Tempo.,Payroll for 1.5M global workers; issued its own DLUSD stablecoin on Stripe's Bridge + Privy + Tempo stack.,deel.com,https://deel.com,deel,https://www.deel.com/legal/terms-of-service/,https://www.deel.com/legal/privacy-policy/
Meow,hybrid,SMB & startups,US,"New York, US",,North America,2021,Custodial,Partner-bank model,"Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners",,,,true,Yes,Treasury yield,,,,,,,,,,,~$40M raised,,Brandon Arvanaghi,,SMB banking born from crypto treasuries.,,meow.com,https://meow.com,,,
Dakota,web3-native,SMB & startups,US,"New York, US",,North America,2023,Self-custodial,Self-custodial software,,Visa,Business,,true,Yes,T-bill-backed balances,,,,,,,,,,,,,,,Business banking on stablecoin rails.,Business banking where deposits sit in tokenized T-bills onchain — a bank without a bank.,dakota.xyz,https://dakota.xyz,,,
Slash,hybrid,SMB & startups,US,"San Francisco, US",,North America,2021,Custodial,Partner-bank model,"Partner bank (Column N.A., Member FDIC); previously Piermont Bank",Visa,Business,,true,Yes,Yield,Cashback,,,,,,,,,,"$160M raised; $100M Series C at $1.4B (Apr 2026, led by Ribbit)",Ribbit Capital; Khosla Ventures; Goodwater Capital; NEA; Y Combinator,Victor Cardenas,agentic,SMB banking; crypto-native verticals.,"Founded by literal teenagers in 2020, Slash hit unicorn by banking the businesses everyone else rejects — crypto firms, performance marketers, e-commerce — and grew revenue from $10M to $250M+ annualized in 24 months.",slash.com,https://slash.com,,,
Flex,hybrid,SMB & startups,US,"San Francisco, US",United States,North America,2022,Custodial,Partner-bank model,"Partner banks (Column, Lead, Thread)",Visa,Business charge + credit,,true,Yes,Up to ~2.5% APY on idle cash,Cashback + points,,,,,,,,,,~$180M equity + $300M debt (val ~$1.2B),Halo Fund; Portage Ventures; Crosslink Capital; Wellington Management; Titanium Ventures,Zaid Rahman,,AI-native private banking for business owners; Flex Global moves money in 100+ countries on stablecoin rails.,"Started 2022 as a business credit card, now 'AI-native private banking' for mid-market owners — hit unicorn in July 2026 as Flex Global put invisible stablecoin rails under cross-border payments in 100+ countries.",flex.one,https://flex.one,FlexSuperApp,https://www.flex.one/terms-of-service,https://www.flex.one/privacy
MetaMask,web3-native,general,Global,Consensys (global),Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2016,Self-custodial,Self-custodial software,Self-custodial software — no banking licence needed; card via licensed issuer partners,MC,Virtual + physical,on-ramp; off-ramp; crypto-cards; virtual-cards,true,Card only,mUSD ~4% (Monad); DeFi-wide,Card rewards (region),,,,,,,,,,Consensys ~$725M raised,ParaFi Capital; Temasek; SoftBank; Microsoft (M12),"Aaron Davis, Dan Finlay (Consensys)",agentic,"Default self-custodial wallet; Agent Wallet: Blockaid scanning, tx simulation, MEV protection.","Born inside Consensys in 2016, the wallet that onboarded a generation to Ethereum — now shipping mUSD, the Card, and Agent Wallet for autonomous finance.",metamask.io,https://metamask.io,MetaMask,https://metamask.io/terms-of-use/,https://consensys.io/privacy-notice
Phantom,web3-native,general,Global,"San Francisco, US",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2021,Self-custodial,Self-custodial software,Self-custodial software,,,,true,No,In-app staking,,,,,15,MAU,2025,,,,~$270M (val $3B),Paradigm; Andreessen Horowitz; Variant; Jump Crypto,"Brandon Millman, Chris Kalani, Francesco Agosti",,Solana-first multichain wallet; 15M+ users.,,phantom.app,https://phantom.app,phantom,https://phantom.app/terms,https://phantom.app/privacy
Solflare,web3-native,general,Global,"Belgrade, RS",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2017,Self-custodial,Self-custodial software,Self-custodial software; card via issuer partners,Visa,Wallet + card,,true,Card only,SOL staking,Card rewards,,,,,,,,,,,,,,Solana-native wallet with card.,,solflare.com,https://solflare.com,solflare_wallet,https://solflare.com/terms,https://solflare.com/privacy
Rainbow,web3-native,general,Global,"New York, US",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2019,Self-custodial,Self-custodial software,,,,,true,No,,Points,,,,,,,,,,~$18M raised,Seven Seven Six,"Mike Demarais, Christian Baroni, Jin Chung",,Open-source EVM wallet; Ledger/Trezor.,,rainbow.me,https://rainbow.me,rainbowdotme,https://rainbow.me/terms-of-use,https://rainbow.me/privacy
Xverse,web3-native,general,Global,"London, UK",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2021,Self-custodial,Self-custodial software,,,,,true,No,Stacks/BTC yield,,,,,,,,,,,~$10M raised,,Ken Liao,,"Bitcoin-native: ordinals, Stacks, Lightning.",,xverse.app,https://xverse.app,xverseApp,https://www.xverse.app/terms,https://www.xverse.app/privacy
Trust Wallet,web3-native,general,Global,—,Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2017,Self-custodial,Self-custodial software,,,,on-ramp; off-ramp,true,No,Staking,,,,,,,,,,,Binance-owned,,Viktor Radchenko,agentic,140M+ installs; Binance-linked self-custody.,,trustwallet.com,https://trustwallet.com,TrustWallet,https://trustwallet.com/terms-of-service,https://trustwallet.com/privacy-policy
Exodus,web3-native,general,Global,"Omaha, US",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2015,Self-custodial,Self-custodial software,,,,,true,No,Staking,,,,,,,,,,,Public (EXOD),,"JP Richardson, Daniel Castagnoli",,Public-company self-custody wallet (NYSE American).,,exodus.com,https://exodus.com,exodus,https://www.exodus.com/terms/,https://www.exodus.com/privacy/
Zengo,web3-native,general,Global,"Tel Aviv, IL",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2018,MPC self-custodial,Self-custodial software,MPC self-custody; no seed phrase,,,on-ramp; off-ramp,true,No,,,,,,,,,,,,~$24M raised,Insight Partners; Samsung Next,Ouriel Ohayon + 3,,"MPC wallet, no seed phrase.",,zengo.com,https://zengo.com,zengo,https://zengo.com/terms-of-use/,https://zengo.com/privacy-policy/
Payy,web3-native,general,Global,"New York, US",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,Self-custodial ZK L2; card via issuer partners,Visa,Virtual + physical,,true,Card only,,Points,,,,,,,~$220M,cumulative volume · 2025,company PR,,,Polybase Labs (Sid Gandhi + team),,ZK-private stablecoin L2 + card; ~$220M volume.,"Private-by-default stablecoin payments: balances hidden with zero-knowledge proofs, spendable on a Visa.",payy.network,https://payy.network,payy_link,https://payy.network/terms,https://payy.network/privacy
Gnosis Pay,web3-native,general,Europe,"Zug, CH",United Kingdom; European Union; Brazil,Europe,2023,Self-custodial,E-money institution,E-money via Monavate (UK/EU); funds in your own Safe,Visa,Virtual + physical,on-ramp; fiat-payin; iban; crypto-cards,true,Card only,DeFi via Safe,Up to 4% (GNO),,,,,,,,,,~$12.5M raised,,"Stefan George, Martin Köppelmann",,Card wired to your own Safe on Gnosis Chain.,The first onchain bank account: a Visa card wired directly to a Safe smart account on Gnosis Chain.,gnosispay.com,https://gnosispay.com,gnosispay,,
Holyheld,web3-native,freelancers & creators,Europe,"London, UK",,Europe,2020,Self-custodial,E-money institution,E-money partners (EU); non-custodial top-ups,MC,Virtual + physical,,true,Card only,,Up to 1% USDC,,,,,,,,,,,,,,IBAN + card on your external wallet; gasless.,,holyheld.com,https://holyheld.com,,,
EtherFi Cash,web3-native,general,Global,"Miami, US",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2025,Self-custodial,Self-custodial software,DeFi protocol + issuer partners,Visa,Virtual + physical,,true,Card only,Restaking yield,Up to 3%,,,,,,,$55.4M,annual card spend · 2025 · top Dune cohort,ChainUp/Dune,~$32M + token,CoinFund; OKX Ventures,Mike Silagadze,,Spend against restaked collateral; $145M+ deposits.,Borrow against restaked ETH at the point of sale — credit without selling your stack.,ether.fi,https://ether.fi,ether_fi,https://www.ether.fi/legal/terms-of-use,https://www.ether.fi/legal/privacy-policy
Avici,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Self-custodial,Self-custodial software,,Visa,Virtual + physical,,true,Card only,,,,,,,,,,,,,,,,Self-custody neobank with full Visa access.,,avici.money,https://avici.money,,,
Bleap,web3-native,general,Global,"London, UK",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,MPC self-custodial,Self-custodial software,MPC self-custody; MC principal member,MC,Virtual + physical,,true,Card only,,Up to 20% promo USDC,,,,,,,,,,,,Ex-Revolut founding team,,MPC key-sharding; zero FX; free ATM tier.,,bleap.finance,https://bleap.finance,,,
Tuyo,web3-native,general,LatAm,—,,Latin America,2023,Self-custodial,Self-custodial software,,,,,true,Card only,,P2P zero-fee,,,,,,,,,,,,,,USDC on Base for EUR/USD/MXN corridors.,,itstuyo.com,https://itstuyo.com,,,
Ready,web3-native,general,Global,"London, UK",United Kingdom; European Union; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2018,Self-custodial,Self-custodial software,,Visa,Metal + virtual,,true,Card only,Staking + BTCFi,3% in STRK,,,,,,,,,,~$50M raised (as Argent),,"Itamar Lesuisse, Gerald Goldstein",,Formerly Argent; smart-account onchain bank.,Argent pioneered smart-account wallets and social recovery; rebranded to Ready to become an onchain bank.,ready.co,https://ready.co,ready_co,https://www.ready.co/terms,https://www.ready.co/legal/privacy/ready
Plasma One,web3-native,general,Global,—,Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2025,Self-custodial,Self-custodial software,Own L1; card via issuer partners,Visa,Virtual + physical,,true,Card only,10%+ APY USD₮,Up to 4% XPL,,,,,,,,,,~$74M + XPL sale; Tether-linked,Founders Fund; Framework Ventures; Bitfinex,Paul Faecks,,Stablecoin neobank on own L1; XPL −94% from high.,"A stablecoin-native neobank running on its own chain — zero-fee USD₮ transfers, though XPL fell ~94% from its high.",plasma.to,https://plasma.to,Plasma,https://www.plasma.to/terms,https://www.plasma.to/privacy
Tria,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Self-custodial,Self-custodial software,,,,,true,Card only,,,,,,,,,,,,,,,,Self-custodial money app.,,tria.so,https://tria.so,,,
Karta,web3-native,travel & digital nomads,Global,"Redwood City, US",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2020,MPC self-custodial,Self-custodial software,Self-custodial (MPC via Privy); Visa issued by Rain,Visa,Virtual + physical,,true,Card only,,,,,,,,,,,,,,Nik Zimarkov,,Telegram-first self-custody card (Rain-issued); settles on Tempo; no US.,"25K+ monthly cardholders spending from their own wallet, reconciled on Tempo in under a second.",karta.io,https://karta.io,Karta_Personal,https://legal.karta.io/b2c-card-terms,https://legal.karta.io/b2c-privacy-policy
Hyperbeat,web3-native,general,Global,—,Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Self-custodial,Self-custodial software,Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra,Visa,Virtual + physical,,true,Card only,beatUSD / USD+ yield,,,,,,,,,,,"$5.2M seed at ~$40M (ether.fi Ventures, Electric Capital, Coinbase Ventures)",ether.fi Ventures; Electric Capital; Coinbase Ventures,"Kilian Boshoff, 800.HL",,Liquid Banking on Hyperliquid: spend cash or borrow at point of sale via Morpho.,"Banking for the Hyperliquid economy: trade, earn and spend one balance — credit mode borrows via Morpho at the terminal.",hyperbeat.org,https://hyperbeat.org,hyperbeat,https://hyperbeat.org/terms,https://hyperbeat.org/privacy
Cypher,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2022,Self-custodial,Self-custodial software,Self-custodial; principal card programs,Visa,Virtual + physical,,true,Card only,,Rewards,,,,,,,,,,,,,,Multichain card; also powers Moonwell Card.,,cypherhq.io,https://cypherhq.io,,,
Solayer Emerald,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Self-custodial,Self-custodial software,Self-custodial; Visa principal program,Visa,Virtual + physical,,true,Card only,Restaking-linked (sUSD),Rewards,,,,,,,,,,,,,,Solana restaking ecosystem card.,,solayer.org,https://solayer.org,,,
Exa,web3-native,general,Global,"Buenos Aires, AR",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,DeFi protocol (Exactly); card via partners,Visa,Virtual + physical,,true,Card only,Onchain credit (Exactly),,,,,,,,,,,,,,,DeFi credit + debit on Exactly protocol.,,exa.app,https://exa.app,,,
1inch Card,web3-native,general,Global,"Dubai, AE",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,Self-custodial; card via Baanx/Crypto Life,Visa,Debit,,true,Card only,,Up to 2%,,,,,,,,,,,,"Sergej Kunz, Anton Bukov (1inch)",,Wallet-linked card; fees offset rewards.,,1inch.io,https://1inch.io,,,
SafePal,web3-native,general,Global,"Singapore, SG",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2018,Self-custodial,Self-custodial software,,MC,Wallet + card,,true,Card only,Earn,,,,,,,,,,,Binance Labs-backed,,Veronica Wong,,Hardware + software wallet with card.,,safepal.com,https://safepal.com,,,
Tangem,web3-native,general,Global,"Zug, CH",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2017,Self-custodial,Self-custodial software,"Self-custodial; funds in a user-controlled smart contract (USDC on Polygon); card by Paera LLC, issued by Third National via Rain",Visa,Virtual (physical planned),,true,Card only,,Up to 4% (promo),,,,,,,,,,~$23M raised ($15M SBI Group 2019; Shima Capital 2023),SBI Group; Shima Capital,"Andrey Kurennykh, Andrew Pantyukhin, Andreas Schmucki",,"Card-shaped hardware wallet maker; Tangem Pay spends self-custodial USDC on Polygon — live US/LatAm/APAC/MEA, EU/UK planned.","Sold millions of card-shaped hardware wallets, then made the wallet itself spendable: Tangem Pay (Dec 2025) turns self-custodied USDC into a Visa — the hardware company quietly becoming a neobank.",tangem.com,https://tangem.com,tangem,https://tangem.com/docs/en/terms-of-service.pdf,https://tangem.com/docs/en/privacy-policy.pdf
Bitget Wallet,web3-native,general,Global,—,Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2018,Self-custodial,Self-custodial software,"Self-custodial; cards via DCS (Asia), Immersve (EU/UK/LatAm), Fiat24 (CN virtual)",Visa/MC,Prepaid,,true,Card only,,Promos (up to 8%),,,,,,,,,,Bitget ecosystem; $20M+ wallet war-chest,,,,90M-user wallet; card via DCS/Immersve/Fiat24; WeChat & Alipay; no US/CA.,The exchange-adjacent wallet pushing hardest into cards — the only one plugged into WeChat Pay and Alipay.,web3.bitget.com,https://web3.bitget.com,BitgetWallet,https://web3.bitget.com/en/terms-of-use,https://web3.bitget.com/en/privacy-policy
BFinance,hybrid,general,Global,"Prague, CZ",Czech Republic; European Union; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Custodial,VASP / MSB / crypto licences,Czech VASP registration; Marqeta-issued cards,Visa/MC,Virtual + physical,,true,Yes,,,,,,,,,,,,,,Knyaz Yussupov,,Telegram-bot cards; ~$20M/mo volume; $10 issue + 2% top-up fees.,"A card programme that lives entirely inside a Telegram bot — crude, fee-heavy, and reportedly moving ~$20M a month anyway.",bfinance.app,https://bfinance.app,,https://bfinance.app/terms,https://bfinance.app/privacy
xPortal,web3-native,general,Global,"Sibiu, RO",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2021,Self-custodial,Self-custodial software,,MC,Wallet + card,,true,Card only,Staking,Cashback,,,,,,,,,,,,MultiversX (Beniamin & Lucian Mincu),,MultiversX super-app wallet + card.,,xportal.com,https://xportal.com,,,
Avalanche Card,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Self-custodial,Self-custodial software,Self-custodial; issuer partners,Visa,Debit,,true,Card only,,,,,,,,,,,,,,Ava Labs,,Spend AVAX/stables self-custodially.,,avax.network,https://avax.network,,,
MiniPay,web3-native,underbanked,Global,"Oslo, NO",Nigeria; Kenya; Ghana; South Africa; Uganda; Brazil; Philippines,Africa; Latin America; Asia,2023,Self-custodial,Self-custodial software,,,,,true,No,,,,,,10,wallets,2025,,,,,,Opera (built on Celo),,Opera's Celo wallet; 10M+; PIX/Mercado Pago rails.,"Opera's 2MB stablecoin wallet for the Global South: 10M+ wallets, PIX and Mercado Pago rails, USSD-light design.",minipay.to,https://minipay.to,MiniPay,https://www.minipay.to/terms,https://minipay.to/privacy-statement
El Dorado,web3-native,general,LatAm,—,,Latin America,2022,Self-custodial,Self-custodial software,,,,,true,Yes,,,,,,,,,,,,,,Guillermo Goncalvez,,LatAm USDT P2P ramps (VE/CO/BR/AR/PE).,"USDT P2P marketplace that became Venezuela's parallel dollar bank, expanding across the Andean region.",eldorado.io,https://eldorado.io,,,
Oobit,web3-native,general,Global,"Singapore, SG",Singapore; European Union; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2017,Self-custodial,Self-custodial software,,Visa/MC,Tap-to-pay + card,,true,Yes,,Cashback,,,,,,,,,,~$25M (Tether-led),,"Amram Adar, Aharon Miller",,Non-custodial pass-through; Tether-backed; Agent Cards for AI agents.,Tap-to-pay from your own wallet; first corporate crypto card for AI agents (Agent Cards).,oobit.com,https://oobit.com,oobit,https://oobit.com/terms-of-service,https://www.oobit.com/legal/privacy-notice
Peanut,web3-native,general,Global,"Zug, CH",,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2022,Self-custodial,Self-custodial software,Open-source protocol; no custody,,,,true,No,,,,,,,,,,,,,,,,Claim-link crypto transfers; open protocol.,,peanut.me,https://peanut.me,,,
Sling Money,web3-native,general,Global,"London, UK",United States; United Kingdom; European Union; Nigeria; Kenya; Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,,,,,true,Yes,,,,,,,,,,,,~$30M raised,Union Square Ventures; Ribbit Capital; Slow Ventures,"Mike Hudack, Simon Amor",,Wise-alumni stablecoin P2P on Solana.,"Ex-Monzo/Facebook team making stablecoin P2P feel like iMessage, on Solana.",sling.money,https://sling.money,slingmoney,https://sling.money/terms,https://sling.money/privacy
Fizen,web3-native,travel & digital nomads,Asia,"Ho Chi Minh, VN",,Asia,2022,Self-custodial,Self-custodial software,,Visa/MC,Virtual + physical,,true,Card only,,Offers,,,,,,,,,,Tether-invested,,Leo Vu,,Tether-invested travel neobank: card + local QR payments across APAC/MENA.,,fizen.io,https://fizen.io,,,
Startale,web3-native,general,Asia,"Singapore, SG",Global,Asia,2023,Self-custodial,Self-custodial software,Self-custodial; co-develops Soneium with Sony Block Solutions Labs (Sony Group JV),Visa,Virtual + physical (waitlist),,true,Card only,Assets keep earning until spent (vaults),Cashback in USDSC,,,,,,,,,,"$63M Series A (Mar 2026): $50M SBI Group + $13M Sony Innovation Fund; $7M seed (Sony, Samsung Next, UOB VM)",SBI Group; Sony Innovation Fund; Samsung Next; UOB Venture Management,Sota Watanabe,,Sony/SBI-backed: self-custodial Visa spends Soneium L2 assets at 150M+ merchants; unveiled at WebX Tokyo 2026.,"The Astar founder's bet that Japan Inc. does onchain banking: a Visa card where Soneium assets keep compounding until the second they're spent, cashback in its own USDSC dollar — and JPYSC, Japan's first trust-bank yen stablecoin, in the same stack.",startale.com,https://startale.com,StartaleHQ,https://startale.com/en/terms,
Deblock,web3-native,general,Europe,"Paris, FR",France; European Union,Europe,2022,Mixed (fiat custodial + self-custody crypto),Payment institution,PSAN + payment institution (ACPR),Visa,Virtual + physical,,true,Yes,~4% EUR (tiers),Tiers,,,,,,,,,,~€16M raised,Headline; Hoxton Ventures,Jean Meyer + ex-Ledger/Revolut team,,French-licensed account + non-custodial wallet.,A French-licensed current account where the crypto side stays in your own non-custodial wallet — the clearest mixed-custody design in Europe.,deblock.com,https://deblock.com,DeblockApp,https://deblock.com/legal/terms,https://deblock.com/legal/privacy
Stables,web3-native,general,ANZ,"Sydney, AU",Australia; Singapore; Philippines; Global,Oceania,2021,Custodial,Payment institution,AFSL partners; Mastercard APAC program,MC,Virtual + physical,,true,Yes,,,,,,,,,,,,,,,,Spend USDC anywhere Mastercard works.,,stables.money,https://stables.money,stablesmoney,,https://www.stables.money/legal/privacy-policy
Fiat24,web3-native,general,Europe,"Zurich, CH",Switzerland; Global,Europe,2021,Self-custodial,Fintech licence (CH),Swiss fintech licence (FINMA),Visa,Virtual + physical,,true,Yes,,,,,,,,,,,,,,,,Swiss-licensed; your account is an NFT on Arbitrum.,"Your bank account is literally an NFT on Arbitrum; Swiss-regulated, onchain-settled.",fiat24.com,https://fiat24.com,Fiat24Official,,https://fiat24.com/privacy
Mine,web3-native,general,Europe,"Zug, CH",Switzerland; Global,Europe,2024,Self-custodial,Self-custodial software,"Self-custodial software (EMM Ventures AG, Zug); card via Unblock Atomo SARL, EEA e-money institution; IBAN via regulated Swiss intermediary",MC,Virtual (paid tiers soon),,true,Yes,Up to 5% via Aave V3 (opt-in),,,,,,,,,,,,,,,Invite-only Swiss self-custody money app: CHF/EUR IBAN in your name settles as USDC in your wallet; card in 175+ countries.,"A Wise/Revolut pitch with the custody inverted: your Swiss IBAN receives francs or euros and they land as Circle USDC in a wallet only you hold — Mine custodies nothing, first 500 convert free.",mine.financial,https://mine.financial,Mine_Wallet,https://mine.financial/terms,https://mine.financial/privacy
Infini,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Self-custodial,Self-custodial software,,Visa,Virtual,,true,Card only,Stablecoin yield,,,,,,,,,,,,,,,Rebuilt after $49M exploit (Feb 2025).,Stablecoin card that survived a $49M private-key exploit in Feb 2025 and rebuilt.,infini.money,https://infini.money,,,
Moon,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2022,Self-custodial,Self-custodial software,,Visa,Virtual,,true,No,,,,,,,,,,,,,,,,Privacy-lean virtual cards funded with crypto.,,paywithmoon.com,https://paywithmoon.com,,,
Moto,web3-native,general,US,"New York, US",United States,North America,2025,Self-custodial,Other / mixed,"Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC",Visa,"Credit (Visa Infinite, waitlist)",,true,Card only,2–5% APY on USDC collateral,"5% base, up to 8% top tier",,,,,,,,,,"$1.8M pre-seed (Cyber Fund, Eterna Capital, Dec 2025)",Cyber Fund; Eterna Capital,"Shimon Newman, Ramses Bautista (ex-Squads)",,DeFi charge card on Solana: USDC collateral earns yield while backing the credit line; lounge access + subscription rebates.,"A Visa Infinite where the credit line is your own USDC earning 2–5% in smart contracts — 5% cashback at every tier, Netflix/Spotify/FT rebated at the top, settled monthly from collateral.",moto-card.com,https://moto-card.com,usemotocard,,
WeFi,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,,Visa/MC,Virtual + physical,,true,Card only,Yield,Token rewards,,,,,,,,,,,,Maksym Sakharov + team,,'Deobank' — deposits stay in user control.,Deobank thesis: deposits never leave user-controlled onchain accounts.,wefi.xyz,https://wefi.xyz,,,
UglyCash,web3-native,general,LatAm,"San Juan, PR",,Latin America,2023,Custodial,VASP / MSB / crypto licences,US MSB + issuer partners,Visa,Virtual + physical,,true,Yes,USD yield on stables,Up to 5%,,,,,,,,,,,,,,LatAm dollar app on stablecoin rails.,,uglycash.com,https://uglycash.com,,,
Decaf,web3-native,general,LatAm,—,,Latin America,2022,Self-custodial,Self-custodial software,Self-custodial; issuer partners,Visa,Virtual + physical,,true,Card only,,,,,,,,,,,,,,,,Solana-based spending + global payouts.,,decaf.so,https://decaf.so,,,
SurfCash,web3-native,travel & digital nomads,Asia,—,Vietnam; Thailand; Philippines; Brazil,Asia,2025,Self-custodial,Self-custodial software,Self-custodial (BVI entity); decentralized protocols + licensed local partners; Circle Alliance,,,,true,No,Up to 15% (Perena),,,,,,,,,,,,,"Akshat Sharma, César Suárez",,USDC → VietQR/PromptPay/PIX in ~10s; 0.5% fee; the rails cards can't touch.,"The anti-card thesis: nomads in Vietnam, Thailand and Brazil don't need Visa — they need VietQR, PromptPay and Pix, which cards can't touch. SURF token-governed.",getsurf.cash,https://getsurf.cash,SurfCashX,https://getsurf.cash/terms,https://getsurf.cash/privacy
Onboard,web3-native,general,Africa,"Lagos, NG",Nigeria; Ghana; Kenya; Global,Africa,2021,Self-custodial,Self-custodial software,,Visa,Virtual + physical,,true,Card only,Onchain yield,,,,,,,,,,,,,Yele Bademosi,,Self-custody wallet + cards for Africa.,"Self-custody 'deobank' thesis from Lagos: your keys, your dollars, your card.",onboard.xyz,https://onboard.xyz,onboardglobal,https://onboard.xyz/terms,https://www.onboard.xyz/privacy-policy
Alpian,traditional,general,Europe,"Geneva, CH",Switzerland,Europe,2019,Custodial,Licensed bank,Swiss banking licence,Visa,Debit,,false,Yes,CHF/EUR interest,,,,,,,,,,,~CHF200M+ raised,Intesa Sanpaolo; REYL Intesa Sanpaolo,Schuyler Weiss,,Swiss-licensed digital private bank.,,alpian.com,https://alpian.com,AlpianBank,https://www.alpian.com/legal,https://www.alpian.com/privacy-policy
Yuh,hybrid,general,Europe,"Gland, CH",Switzerland,Europe,2021,Custodial,Partner-bank model,On Swissquote's banking licence,MC,Debit,,false,Yes,Savings + invest,Swissqoin rewards,,,,,,,,,,,,Swissquote x PostFinance JV,,Swissquote x PostFinance app; custodial crypto trading.,,yuh.com,https://yuh.com,yuh_app,https://www.yuh.com/en/legal/,
neon,traditional,general,Europe,"Zurich, CH",Switzerland,Europe,2017,Custodial,Partner-bank model,Partner: Hypothekarbank Lenzburg,MC,Debit,,false,Yes,,,,,,,,,,,,,,Jörg Sandrock + team,,Switzerland's leading independent neobank app.,,neon-free.ch,https://neon-free.ch,neon_switzerland,,
Zak,traditional,general,Europe,"Basel, CH",,Europe,2017,Custodial,Licensed bank,Operates under Bank Cler's Swiss banking licence (FINMA),Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,Bank Cler's free banking app.,,cler.ch,https://cler.ch,,,
Pixpay,traditional,gen alpha · kids & family,Europe,"Paris, FR",,Europe,2019,Custodial,E-money institution,"E-money distributor — agent of Treezor (ACPR-licensed EMI, Société Générale group); acquired by GoHenry/Acorns",MC,Debit,,false,Yes,,,,,,,,,,,,Acquired by GoHenry (2022),,"Benoit Grassin, Nicolas Klein, Caroline Ménager",,Teen card; acquired by GoHenry (2022).,,pixpay.fr,https://pixpay.fr,,,
Bling,traditional,gen alpha · kids & family,Europe,"Berlin, DE",,Europe,2021,Custodial,E-money institution,"E-money distributor of Treezor (ACPR-licensed French EMI, Société Générale group)",Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,German family money app.,,bling.de,https://bling.de,,,
Kit,traditional,gen alpha · kids & family,ANZ,"Sydney, AU",,Oceania,2022,Custodial,Partner-bank model,On CBA rails,MC,Prepaid,,false,Yes,,,,,,,,,,,,,,CommBank x15ventures,,CommBank's kids' money app (x15ventures).,,heykit.com.au,https://heykit.com.au,,,
Douugh,traditional,general,ANZ,"Sydney, AU",,Oceania,2016,Custodial,Partner-bank model,Partner banks (Regional Australia Bank; US via Choice Bank),MC,Debit,,false,Yes,,,,,,,,,,,,Public (ASX:DOU),,,,ASX-listed money app (AU/US).,,douugh.com,https://douugh.com,,,
Parpera,traditional,freelancers & creators,ANZ,"Sydney, AU",,Oceania,2020,Custodial,Payment institution,AFSL authorised representative (MSC Advisory AFSL 480649); accounts issued by Wise Australia (AFSL 513764),MC,Business debit,,false,Yes,,,,,,,,,,,,,,Daniel Cannizzaro,,Money app for sole traders.,,parpera.com,https://parpera.com,,,
Aspire,traditional,SMB & startups,Asia,"Singapore, SG",Singapore; Hong Kong; Indonesia; Vietnam,Asia,2018,Custodial,Payment institution,MPI (MAS),Visa,Business debit,,false,Yes,Yield on idle cash,1% select,,,,,,,,,,~$300M raised,Peak XV Partners; Lightspeed; Y Combinator; Tencent; PayPal Ventures,Andrea Baronchelli + 3,,SEA's all-in-one SMB finance OS.,,aspireapp.com,https://aspireapp.com,AspireApp,https://aspireapp.com/tnc/master-service-agreement,https://aspireapp.com/privacy-policy
YouTrip,traditional,travel & digital nomads,Asia,"Singapore, SG",Singapore; Thailand; Malaysia,Asia,2018,Custodial,E-money institution,"Major Payment Institution (MPI) licence from MAS, Singapore — e-money issuance; funds safeguarded at DBS/StanChart/UOB",MC,Prepaid multicurrency,,false,Yes,,,,,,,,,,,,~$100M+ raised,Lightspeed; Insignia Ventures,"Caecilia Chu, Arthur Mak",,Travel wallet for SG/TH/MY.,,you.co,https://you.co,YouTripApp,,
Mashreq Neo,traditional,general,MENA,"Dubai, AE",,MENA,2017,Custodial,Licensed bank,Bank (Mashreq),Visa,Debit,,false,Yes,Savers,Rewards,,,,,,,,,,,,,,Mashreq's digital bank.,,mashreqneo.com,https://mashreqneo.com,,,
Nomad,traditional,travel & digital nomads,LatAm,"São Paulo, BR",Brazil; United States,Latin America,2019,Custodial,Partner-bank model,"Partner bank (Community Federal Savings Bank, US); FX via Ouribank (Brazil)",MC,Debit (US account),,false,Yes,USD yield,,,,,,,,,,,~$60M raised,Stripes; Monashees; Spark Capital; Tiger Global,"Lucas Vargas, Patrick Sigrist",,US accounts + investing for Brazilians.,,nomadglobal.com,https://nomadglobal.com,nomadglobal,https://www.nomadglobal.com/legal,
Daimo,web3-native,general,Global,"New York, US",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,Open-source self-custodial software,,,,true,No,,,,,,,,,,,,~$7M raised,,"DC Posch, Nalin Bhardwaj",,Open-source self-custodial USDC wallet.,"Open-source USDC wallet born from Devconnect payments frustration; passkey-secured, no seed phrase.",daimo.com,https://daimo.com,daimo_eth,https://daimo.com/terms-of-use,https://daimo.com/privacy
Vision Bank,traditional,faith-based,MENA,"Riyadh, SA",Saudi Arabia,MENA,2024,Custodial,Licensed bank,Full Saudi digital bank licence (SAMA); full operations approved Sep 2025,Mada/Visa,Debit,,false,Yes,Shariah-compliant,,,,,,,,,,,,,,,Saudi Arabia's third licensed digital bank.,,visionbank.sa,https://visionbank.sa,VisionBankSA,https://www.visionbank.sa/terms,https://www.visionbank.sa/privacy
Beyon Money,traditional,general,MENA,"Manama, BH",Bahrain,MENA,2022,Custodial,Payment institution,CBB-licensed payment institution group (Batelco Financial Services: PSP/AISP/PISP; BRS money changer; investment Cl.2),Visa,Debit + wealth,,false,Yes,Savers,Rewards,,,,,,,,,,,,,,Bahrain telco-backed financial super-app.,,beyonmoney.com,https://beyonmoney.com,beyonmoney,,
Fasset,hybrid,faith-based,MENA,"Dubai, AE",UAE; Indonesia; Malaysia; Türkiye,MENA,2019,Custodial,Licensed bank,"VARA VASP licence (Dubai, broker-dealer); provisional Islamic digital-bank licence in Malaysia",Visa,Debit,,true,Yes,Yield on assets,Rewards,,,,,,,,,,,,,,Ethical digital-asset super-app; UAE/ID/MY corridors.,,fasset.com,https://fasset.com,fassetofficial,https://www.fasset.com/terms,https://www.fasset.com/privacy
Kontigo,web3-native,general,LatAm,—,Venezuela; Colombia; Mexico,Latin America,2024,Custodial,Partner-bank model,Self-custodial MPC wallet (USDC); no licence of its own; fiat rails via partners,Visa,Virtual + physical,,true,Yes,USDC yield,,,,,,,,,,,"$20M seed (Dec 2025; DST Global, Y Combinator, Coinbase Ventures)",DST Global; Y Combinator; Coinbase Ventures; Soma Capital,"Jesus Castillo, Gino Guatavita",,USDC neobank for Venezuela + LatAm corridors.,"Ex-Venmo/Nubank/Rappi team hit $30M annualized revenue, $1B payment volume and 1M users in under 12 months — with six engineers and one designer.",kontigo.lat,https://kontigo.lat,kontigoapp,,https://www.kontigo.lat/privacy
Veera,web3-native,general,Global,"Singapore, SG",Global,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,Self-custodial; passkey-secured non-exportable keys,,,,true,Card only,Vault yield 3–10% across 40 chains,Card rewards,,,,,,,,,,"$10M pre-seed + seed (6th Man Ventures, Sigma Capital, CMCC Titan Fund)",6th Man Ventures; CMCC Global; Sigma Capital; Cypher Capital,Sukhdeep Bhogal,,"Onchain neobank: earn, invest (tokenized equities, gold, RWAs), borrow and spend self-custodially; 2M+ users in 187 countries, 30K cards.","A serial founder with three exits is folding wallet, broker and bank into one self-custodial app — multichain vaults across 40 chains, tokenized gold and equities, and a card waitlist at 30K before the VEERA token even launched.",veera.com,https://veera.com,On_Veera,https://veera.com/terms,https://veera.com/privacy
Rizon,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Self-custodial,Self-custodial software,,Visa,Virtual + physical,,true,Card only,Stablecoin yield,,,,,,,,,,,,,,,Stablecoin banking app on self-custody rails.,,rizon.co,https://rizon.co,,,
AllScale,web3-native,SMB & startups,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2024,Custodial,Self-custodial software,Self-custodial stablecoin platform; not a bank; compliance and settlement via licensed partners,Visa,Business,,true,Yes,,,,,,,,,,,,,,,,Stablecoin business banking for global SMBs.,,allscale.io,https://allscale.io,,,
Nyla,traditional,general,Africa,"Lagos, NG",,Africa,2024,Custodial,Partner-bank model,"Partner banks — tech company, not a bank; launching in Ghana via a licensed commercial bank (Islamic window)",Verve/MC,Debit,,false,Yes,,,,,,,,,,,,,,,,Nigerian consumer neobank (new wave).,,nyla.africa,https://nyla.africa,,,
Munify,traditional,immigrants & migrants,MENA,"Cairo, EG",,MENA,2024,Custodial,Partner-bank model,"US accounts via partner banks; in-principle DFSA licence approval (UAE, Nov 2025)",MC,Debit,,false,Yes,,,,,,,,,,,,,,,,Banking for Egyptian diaspora + remittances.,,munify.app,https://munify.app,,,
Moneco,traditional,immigrants & migrants,Europe,"Paris, FR",France; Belgium; Germany,Europe,2022,Custodial,E-money institution,Accounts and cards via regulated EMI partners (Europe/US); Moneco Canada registered with FINTRAC,Visa,Debit,,false,Yes,,,,,,,,,,,,,,,,Neobank for African diaspora in Europe.,,moneco.app,https://moneco.app,moneco_app,https://moneco.app/terms,
Superform,web3-native,general,Global,—,,North America; Europe; Latin America; Africa; MENA; Asia; Oceania,2023,Self-custodial,Self-custodial software,,,,,true,No,Cross-chain vault yield,,,,,,,,,,,,,,,Self-custodial onchain yield 'savings account'.,,superform.xyz,https://superform.xyz,,,
Baraka,traditional,general,MENA,"Dubai, AE",,MENA,2021,Custodial,Broker-led,"DFSA-regulated investment firm (DIFC, ref. 4153); broker-led model, execution via licensed partners",,,,false,Yes,,,,,,,,,,,,,,,,MENA retail investing app expanding to money features.,,getbaraka.com,https://getbaraka.com,,,
GCash,traditional,underbanked,Asia,"Manila, PH",,Asia,2004,Custodial,E-money institution,"E-money issuer licence (EMI-NBFI, Bangko Sentral ng Pilipinas) via G-Xchange Inc.; Mynt group",Visa,Debit (GCash Card),,false,Yes,GSave up to 2.6%,,,,,94,users,2024,,,,,Globe Telecom; Ant Group; Warburg Pincus; Insight Partners,,underwriting,"The Philippines' super-app wallet; ~94M users, GCredit + GSave make it bank-like.",,gcash.com,https://gcash.com,,,
PhonePe,traditional,general,Asia,"Bengaluru, IN",,Asia,2015,Custodial,E-money institution,RBI PPI wallet (e-money issuer) + payment aggregator licence (2025); IRDAI insurance broking,RuPay/UPI,UPI + cards,,false,Yes,,Rewards,,,,200,MAU,2025,,,,,Walmart; General Atlantic; Ribbit Capital; Tiger Global; Qatar Investment Authority,,,"India's UPI giant — 600M+ registered; wallets, deposits marketplace, insurance.",,phonepe.com,https://phonepe.com,,,
Paytm,traditional,general,Asia,"Noida, IN",,Asia,2010,Custodial,Partner-bank model,"UPI TPAP riding on partner banks (Axis, Yes Bank, SBI, HDFC); wallet wound down with bank unit",RuPay,Wallet + UPI,,false,Yes,,Cashback offers,,,,,,,,,,,SoftBank; Ant Group; Alibaba; Elevation Capital,,,"India's OG super-app wallet; payments bank wound down, wallet + UPI live on.",,paytm.com,https://paytm.com,,,
GrabPay,traditional,general,Asia,"Singapore, SG",,Asia,2016,Custodial,E-money institution,"Major payment institution (MPI) licence (MAS Singapore, PS20200167); e-money issuer",MC (GrabPay Card),Prepaid,,false,Yes,,GrabRewards,,,,,,,,,,,,,,SEA super-app wallet across 8 countries; sibling of GXS Bank.,,grab.com,https://grab.com,,,
GoPay,traditional,general,Asia,"Jakarta, ID",,Asia,2016,Custodial,E-money institution,"E-money issuer licensed by Bank Indonesia (PT Dompet Anak Bangsa, since 2014); PJP Category 1; Bank Jago partner",,,,false,Yes,,GoPay Coins,,,,,,,,,,,,,,"GoTo's wallet; Indonesia's ride-hail-born money app, Jago-partnered.",,gopay.co.id,https://gopay.co.id,,,
OVO,traditional,general,Asia,"Jakarta, ID",,Asia,2017,Custodial,E-money institution,"Bank Indonesia e-money licence (PT Visionet Internasional, 2017); QRIS + funds-transfer licences",,,,false,Yes,,OVO Points,,,,,,,,,,,Grab,,,Grab-backed Indonesian e-wallet with investing + lending layers.,,ovo.id,https://ovo.id,,,
DANA,traditional,general,Asia,"Jakarta, ID",,Asia,2018,Custodial,E-money institution,E-money issuer licence (Bank Indonesia),,,,false,Yes,,,,,,,,,,,,,Ant Group; Emtek,,,Ant-backed Indonesian wallet; 180M+ registered users.,,dana.id,https://dana.id,,,
TrueMoney,traditional,underbanked,Asia,"Bangkok, TH",,Asia,2003,Custodial,E-money institution,E-money licence (Bank of Thailand) via Ascend Money; local e-money/payments licences across 7 SEA markets,Visa/MC,Prepaid,,false,Yes,,,,,,,,,,,,,CP Group; Ant Group,,underwriting,CP Group's wallet across 7 SEA markets; Thailand's biggest.,,truemoney.com,https://truemoney.com,,,
MoMo,traditional,general,Asia,"Ho Chi Minh City, VN",,Asia,2013,Custodial,Payment institution,Intermediary payment services / e-wallet licence from State Bank of Vietnam; mobile money super-app,,,,false,Yes,,,,,,,,,,,,,Warburg Pincus; Goldman Sachs; Mizuho,,underwriting,"Vietnam's leading e-wallet; 30M+ users, investments + savings.",,momo.vn,https://momo.vn,,,
ZaloPay,traditional,general,Asia,"Ho Chi Minh City, VN",,Asia,2016,Custodial,Payment institution,Licensed payment institution (SBV intermediary payment services licence 04/GP-NHNN); Zion/VNG e-wallet,Visa,Wallet + card,,false,Yes,,,,,,,,,,,,,,,,"VNG's wallet riding Zalo, Vietnam's biggest chat app.",,zalopay.vn,https://zalopay.vn,,,
Touch 'n Go eWallet,traditional,general,Asia,"Kuala Lumpur, MY",,Asia,2017,Custodial,E-money institution,E-money issuer licence (Bank Negara Malaysia),Visa,Prepaid,,false,Yes,GO+ ~3%,,,,,,,,,,,,,,,Malaysia's toll-born wallet turned everyday money app; Ant-backed.,,touchngo.com.my,https://touchngo.com.my,,,