Top Neobank Reviews 2025
Compare the best digital banks and financial platforms of 2025.
Neobanks: The Future of Digital Banking
What Are Neobanks?
Neobanks, also known as digital banks or challenger banks, are fully online financial institutions that operate without traditional brick-and-mortar branches. They offer banking services entirely through digital platforms like mobile apps and websites, allowing users to open accounts, transfer money, pay bills, and even invest—all from their smartphones.
Unlike conventional banks, neobanks typically run on lean, technology-driven business models, offering lower fees, faster services, and better user experiences. The rise of neobanks has disrupted the global financial industry, providing consumers and businesses with an alternative to legacy banking systems.
Over the past decade, neobanks have grown rapidly, fueled by advancements in fintech, open banking regulations, and consumer demand for more accessible, transparent, and affordable banking solutions.
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Account Fees
BEST OVERALL
No monthly fees
Market
LATAM
3 Countries
ATM Access
NETWORKED
Partner ATMs
Investing
EQUITIES
B3 Access
Digital Assets
CRYPTO
Buy/Sell BTC, ETH
Business
LIMITED
Business Beta
Rating
4.6 (Very Good)
Account Fees
TIERED
€0-45/month
Market
EU
40+ Countries
ATM Access
FEE-FREE LIMITS
Varies by plan
Investing
STOCKS & ETF
Global markets
Digital Assets
EXTENSIVE
100+ tokens
Business
FULL SUITE
Freelancer & Corp
Rating
4.5 (Excellent)
Account Fees
NO OVERDRAFT FEES
No hidden fees
Market
US
Domestic Only
ATM Access
60,000+ FREE
MoneyPass/VNP
Investing
NOT AVAILABLE
Banking focus
Digital Assets
NOT SUPPORTED
Traditional focus
Business
NOT AVAILABLE
Consumer only
Rating
4.4 (Very Good)
Account Fees
TIERED
€0-16.90/month
Market
EU
25 Countries
ATM Access
LIMITED FREE
3-8 per month
Investing
EU ONLY
Stocks/ETFs
Digital Assets
CRYPTO
Via Bitpanda
Business
AVAILABLE
Multiple tiers
Rating
4.2 (Good)
Account Fees
£0/MONTH
No Fees
Market
EU
Licensed Bank
ATM Access
FREE
UK Network
Investing
NOT AVAILABLE
Banking Focus
Digital Assets
NOT SUPPORTED
Traditional Bank
Business
STARTUP FOCUSED
Tech Integration
Rating
4.8 (Excellent)
Account Fees
$0/MONTH
With direct deposit
Market
US
Full Service
ATM Access
55,000+ FREE
Allpoint Network
Investing
FULL BROKERAGE
Stocks, ETFs, IRA
Digital Assets
CRYPTO
30+ coins
Business
AVAILABLE
Business Checking
Rating
4.3 (Very Good)
Account Fees
TIERED
£0-17/month
Market
EU
Licensed Bank
ATM Access
LIMITED FREE
£250-800 abroad
Investing
AVAILABLE
Via Freetrade
Digital Assets
NOT SUPPORTED
Banking focus
Business
FULL SUITE
Pro & Lite
Rating
4.7 (Excellent)
Account Fees
FREE/$7.99
Plus Membership
Market
US
ESG Focus
ATM Access
55,000+ FREE
Allpoint Network
Investing
ESG FOCUS
Impact Investing
Digital Assets
NOT SUPPORTED
Sustainable Only
Business
NOT AVAILABLE
Consumer Focus
Rating
4.0 (Good)
Account Fees
$0/MONTH
No monthly fees
Market
US
National Bank
ATM Access
55,000+ FREE
Allpoint Network
Investing
NOT AVAILABLE
Banking focus
Digital Assets
NOT SUPPORTED
Traditional focus
Business
NOT AVAILABLE
Consumer only
Rating
4.1 (Good)
Account Fees
¥0/MONTH
No maintenance fees
Market
ASIA
China Focus
ATM Access
LIMITED
Partner networks
Investing
WEALTH MGMT
Mutual Funds
Digital Assets
NOT SUPPORTED
Regulated
Business
SME LOANS
Extensive platform
Rating
4.5 (Excellent)
Account Fees
₩0/MONTH
No account fees
Market
ASIA
South Korea
ATM Access
NATIONWIDE
Fee-free
Investing
FUND INVESTING
Local & Global
Digital Assets
NOT SUPPORTED
Regulatory focus
Business
BUSINESS ACCOUNTS
For sole traders
Rating
4.6 (Very Good)
Account Fees
$0/MONTH
Transfer fees apply
Market
EU
160+ Countries
ATM Access
LIMITED FREE
2 per month
Investing
STOCKS
Invest in funds
Digital Assets
NOT SUPPORTED
Fiat focus
Business
COMPREHENSIVE
Mass payouts, API
Rating
4.8 (Excellent)
Account Fees
$0/$9.99
Basic/Premium
Market
US
Domestic Only
ATM Access
40,000+ FREE
Allpoint Network
Investing
NOT AVAILABLE
Banking focus
Digital Assets
CRYPTO
Buy/Sell 30+
Business
NOT AVAILABLE
Consumer only
Rating
4.0 (Good)
Account Fees
$0/MONTH
No maintenance fees
Market
US
Online Full Service
ATM Access
43,000+ FREE
Allpoint Network
Investing
SELF-DIRECTED
Stocks, ETFs, etc.
Digital Assets
NOT SUPPORTED
Traditional focus
Business
NOT AVAILABLE
Consumer only
Rating
4.5 (Excellent)
Account Fees
$1/MONTH
Membership fee
Market
US
Budgeting Focus
ATM Access
37,000+ FREE
MoneyPass Network
Investing
NOT AVAILABLE
Banking focus
Digital Assets
NOT SUPPORTED
Traditional focus
Business
NOT AVAILABLE
Consumer only
Rating
3.9 (Average)
Market Leaders
Top Rated
Zero-Fee Champions
Investment Leaders
Disclaimer
Rates and terms subject to change • Not financial advice • FDIC/regulatory status varies
Data Sources
Company reports • SEC filings • Official websites • Market research
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