Risk warning: Fees, FX margins, and savings rates change often and vary by country and plan tier. Always confirm the current terms and deposit-protection details on the provider's website. This page is general information, not financial advice.

Neobank rankings

Best Online Neobanks

Compare neobanks on monthly fees, FX margins, ATM access, and multi-currency features to narrow your shortlist.

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VaultCue is free to use and partner-funded. When you open an account through some of the links on this page we may earn a commission. This never changes our editorial scores or rankings, which follow our published methodology. Always confirm current fees, rates, and eligibility on the provider's website before applying.

Varo Bank

Best US high-yield neobank

Monthly: Free
FX fee: 0%
Savings: 5%

1 currency Visa FDIC up to 250,000 USD (Varo Bank, N.A.) protected Licensed bank Savings Overdraft

Varo is the rare US neobank that holds its own national bank charter, so deposits are directly FDIC insured while the savings rate stays at the top of the table.

Real national bank charter with direct FDIC insurance
One of the highest savings APYs among US neobanks
Fee-free overdraft and early direct deposit

Rates as of Jun 2026

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Chime

Best for fee-free US banking

Monthly: Free
FX fee: 0%
Savings: 2%

1 currency Visa FDIC up to 250,000 USD via The Bancorp Bank and Stride Bank protected E-money (safeguarded) Savings Overdraft

Chime strips fees out of everyday US banking and adds an early-payday and fee-free-overdraft safety net. It is built for domestic spenders, not travellers.

No monthly, overdraft or minimum-balance fees
Fee-free overdraft up to 200 USD with SpotMe
Get-paid-early on qualifying direct deposits

Rates as of Jun 2026

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Mercury

Best for startups

Monthly: Free
FX fee: 1%
Savings: —

3 currencies Mastercard FDIC up to 5,000,000 USD via partner-bank sweep protected E-money (safeguarded) Multi-currency Business

Mercury is the go-to operating account for venture-backed startups, pairing free business banking with a deep sweep network and treasury tools.

Free business banking built for startups and founders
Extended FDIC cover through a partner-bank sweep network
Treasury yield and software integrations built in

Rates as of Jun 2026

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Vivid Money

Best for cashback and investing

Monthly: Free
FX fee: 0%
Savings: 3.50%

40 currencies Visa DGS up to 100,000 EUR via Solarisbank protected E-money (safeguarded) Savings Multi-currency

Vivid bundles spending cashback, savings interest and commission-light investing into one account, which makes it a strong second card for EU spenders chasing rewards.

Cashback on everyday spending plus in-app investing
Multi-currency pockets with interest
Backed by a licensed partner bank with EU deposit cover

Rates as of Jun 2026

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Kroo

Best for interest on your balance

Monthly: Free
FX fee: 0%
Savings: 4.10%

1 currency Mastercard FSCS up to 85,000 GBP protected Licensed bank Savings Joint accounts

Kroo pays a headline rate of interest just for keeping money in your current account, which makes it a compelling FSCS-protected home for an everyday GBP balance.

FSCS-protected UK bank paying interest on the current-account balance
No fees on spending or ATM withdrawals abroad
Shared group accounts for splitting bills

Rates as of Jun 2026

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Lunar

Best for the Nordics

Monthly: Free
FX fee: 0%
Savings: 2.50%

4 currencies Mastercard Nordic deposit guarantee up to 100,000 EUR protected Licensed bank Savings Business

Lunar is the standout licensed neobank for the Nordics, folding savings, investing and crypto into a single regulated app.

Full Nordic banking licence with deposit protection
Savings, investing and crypto in one app
Strong coverage across Denmark, Sweden and Norway

Rates as of Jun 2026

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