Monthly account-cost estimator

Estimate the true monthly cost of a neobank from its account fee, FX markup, and ATM withdrawal fees.

Monthly account fee

FX fee (%)

Foreign spend / month

ATM withdrawals

ATM fee each

Enter fees and click Calculate

Top rated

Multi-currency

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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Current

Best for teens and families

Monthly: Free
FX fee: 0%
Savings: 4%

1 currency Visa FDIC up to 250,000 USD via Choice Financial Group and Cross River Bank protected E-money (safeguarded) Savings Overdraft

Current is the US neobank for households: teen accounts with controls sit alongside boosted savings pods and early payday for the parents.

Teen accounts with parental controls and chores
Bonus savings pods paying boosted APY
Early payday and fee-free overdraft

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.