Best Neobanks in United States (August 2026)
Discover leading mobile banks around the globe, including top choices available for consumers and businesses in United States. Find the ideal platform that suits your personal or business banking needs.
See 29 mobile banks available in United States
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There are 20 neobanks available in United States.
Last updated August 2026
est. 2011
Money for here, there and everywhere.
Available in
United States and 176 other countriesAvailable for
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Which personal neobanks are best for residents of United States?
A personal neobank in United States offers a convenient and often more affordable alternative to traditional banks. These online-only solutions provide multi-currency accounts, international transfers, and debit cards. Whether you travel often, work remotely, or simply want to manage your finances more efficiently, neobanks offer a seamless, cost-effective option for residents of United States.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
- Acorns – An automated saving and investing app for you and your family.
- Varo – Get access to personal banking services including no monthly fee checking, high-yield savings, cash advances and more with Varo Bank.
- Chime – No monthly fees. 60k+ ATMs. Build credit. Get fee-free overdraft up to $200. Chime is a tech co, not a bank. Banking services provided by bank partners.
- Majority – Save, send, speak with MAJORITY, the mobile banking app helping migrants get banked in the US, send money, and make international calls.
Which business neobanks are best for businesses based in United States?
A business neobank in United States provides a tailored solution for companies operating in the country. These online-only platforms offer multi-currency accounts, international payments, and expense-management tools designed for businesses. Whether you're a startup or an established enterprise, a business neobank can streamline your finances and cut costs in United States.
- Wallester – Wallester Business offers a comprehensive platform for managing corporate expenses, providing virtual and physical Visa cards along with real-time transaction monitoring and automated reporting.
- Wise – 175 countries. 50 currencies. Get the account built to save you money round the world. Save up to 6x when you send, spend and withdraw 50 currencies, all in one account.
- Found – Found, the banking and tax app created with small-business owners, freelancers, and the self-employed in mind. No monthly minimums, and no credit checks.
- Mercury – Online Business Banking For Startups & Small Businesses. Apply in 10 minutes for business banking that transforms how you operate.
- Novo – Novo is an online business banking platform with no hidden fees built for small business owners. Apply for a free Novo checking account.
Frequently asked questions about neobanks
Everything you need to know about mobile banking — the essentials, answered.
What is a neobank?
A neobank operates primarily through a mobile app, letting you manage your money digitally without ever visiting a physical branch.
How secure is mobile banking?
Neobanks use advanced security measures such as encryption, two-factor authentication, and biometric logins to keep your financial data protected.
Can I open a neobank account as a non-resident?
Many neobanks serve non-residents, though requirements vary. Check each provider's eligibility rules before applying.
What are the main advantages of a neobank?
Lower fees, 24/7 digital access, real-time transaction notifications, and modern money-management tools compared with traditional banks.
Are there any fees with a neobank?
Most neobanks reduce or remove monthly fees, but charges can still apply for out-of-network ATM withdrawals, currency conversion, or premium plans.
How do I deposit money into a neobank account?
Usually via bank transfer, direct deposit, or by adding a card; some neobanks also support cash deposits at partner locations.
How do I choose a neobank?
Compare fees, available features, supported countries, customer support, security, and user reviews against your own needs.
What is the difference between a neobank and an online bank?
Neobanks are usually app-first fintechs that may partner with a licensed bank, while online banks are typically the digital arm of an established, fully licensed bank.