Top 8 Digital Banks - US

April 2024
United States

Compare Checking/Saving Accounts, High Interest Accounts & APYs of the leading services

BrandTop ProductsHighlightsOur RatingNext Step
1 Sable

Sable

  • Bank account & Debit Mastercard®
  • Sable secured Credit card
  • Complete banking solution
  • Offering both debit and credit card
  • No SSN required*
  • Build US credit history
  • No credit check to apply
  • Grants rewards & benefits
98

More Details+

Go To Site

Sable | A taste Go To Site

Additional Features

  • Support mobile payment platforms
  • Send and receive money from 55+ countries
  • Add funds from international bank accounts or debit cards
  • Pay bills straight from the app
  • Connect your Sable card to Paypal®, Venmo®, & Zelle®

Top Destination Countries

  • Bank Account & Debit card:
  • No Monthly fees
  • No minimum balance requirement
  • No Overdraft/Insufficient fees
  • No Foreign transaction fees
  • Sable secured Credit card:
  • NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with
    Sable’s Double Cash Bonus.
  • Approval in 3 minutes
  • Earn 2 percent cash back on selected brands purchases.
  • Up to $10,000 credit limit
  • No credit check or US credit history required.
  • No SSN required for non US citizens.
  • Build US credit history FAST. Sable offers enhanced reporting on more data points than
    any other card so you can build your credit faster.

x

Available On

Android Apple
98

Regulation

FDIC insured

Additional Features

  • Complete banking solution
  • Offering both debit and credit card
  • No SSN required*
  • Build US credit history
  • No credit check to apply
  • Grants rewards & benefits

Top Destination Countries

  • Bank Account & Debit card:
  • No Monthly fees
  • No minimum balance requirement
  • No Overdraft/Insufficient fees
  • No Foreign transaction fees
  • Sable secured Credit card:
  • NEW! Get a dollar-for-dollar match on all cash back at the end of your first year with
    Sable’s Double Cash Bonus.
  • Approval in 3 minutes
  • Earn 2 percent cash back on selected brands purchases.
  • Up to $10,000 credit limit
  • No credit check or US credit history required.
  • No SSN required for non US citizens.
  • Build US credit history FAST. Sable offers enhanced reporting on more data points than
    any other card so you can build your credit faster.
Read Full Review

2 Revolut

Revolut

  • Standard - Free
  • Plus - $2.99/m
  • Premium - $6.99/m
  • Metal - $12.99/m
  • Spending Analytics
  • Send money worldwide without hidden fees
96

More Details+

Go To Site

Revolut | A taste Go To Site

Additional Highlights

  • Euro IBAN account
  • Travel without extra hidden fees
  • Easy money management toold
  • Round up on card payments for savings
  • Send & request money globally
  • Trade Shares, Commodities & Crypto easily via app

Key Product Features

  • Standard $0/m’:
  • UK Account
  • Euro IBAN Account
  • No Fee ATM withdrawals up to £200
  • Plus - $2.99/m:
  • Standard +:
  • 24/7 customer support
  • Junior features access
  • Premium - $6.99/m:
  • Plus +:
  • Exclusive card designs
  • International payments
  • Metal - $12.99/m:
  • Premium +:
  • Revolut Metal card
  • Cashback on card payments

x

Available On

Android Apple
96

Regulation

FCA

Additional Highlights

  • Euro IBAN account
  • Travel without extra hidden fees
  • Easy money management toold
  • Round up on card payments for savings
  • Send & request money globally
  • Trade Shares, Commodities & Crypto easily via app

Key Product Features

  • Standard £0/m’:
  • UK Account
  • Euro IBAN Account
  • No Fee ATM withdrawals up to £200
  • Plus - $2.99/m:
  • Standard +:
  • 24/7 customer support
  • Junior features access
  • Premium - $6.99/m:
  • Plus +:
  • Exclusive card designs
  • International payments
  • Metal - $12.99/m:
  • Premium +:
  • Revolut Metal card
  • Cashback on card payments
Read Full Review

3 NorthOne

NorthOne

  • NorthOne Deposit account - $10/m
  • Smart, digital banking tools
  • Easy payments - send ACH, wires & pay bills from any device
  • Send a check by mail to anyone nationwide
  • Deposit from anywhere - Cash with ATM's, checks via app
  • Business MasterCard debit card for everyone on your team
92

More Details+

Go To Site
Business banking for SMB's, Freelancers & Startups

NorthOne | Business Debit card Go To Site

Business Debit card

Additional Highlights

  • Banking services provided by The Bancorp Bank; Member FDIC
  • Plan and budget your business expenses automatically with 'Envelopes'
  • Multiple support options
  • Get paid fast when integrating you account to your POS or payment processor

Key Product Features

  • NorthOne Deposit account - $10/m:
  • ACH payments
  • Deposits
  • Transfers
  • Purchases
  • Envelopes
  • App Integrations
  • Mastercard Debit Cards.

*T&C Apply

x

Available On

Android Apple
92

Regulation

Banking services provided by The Bancorp Bank; Mem

Additional Highlights

  • Banking services provided by The Bancorp Bank; Member FDIC
  • Plan and budget your business expenses automatically with 'Envelopes'
  • Smart, digital banking tools
  • Easy payments - send ACH, wires & pay bills from any device
  • Send a check by mail to anyone nationwide
  • Deposit from anywhere - Cash with ATM's, checks via app
  • Business MasterCard debit card for everyone on your team

Key Product Features

  • NorthOne Deposit account - $10/m:
  • ACH payments
  • Deposits
  • Transfers
  • Purchases
  • Envelopes
  • App Integrations
  • Mastercard Debit Cards.

*T&C Apply

Read Full Review

4 Wirex

Wirex

  • Basic Checking Account - Free Forever
  • Metal Checking Account - Free, with the set up a $250 direct deposit per month
  • Buy, hold, exchange and sell US dollars and 37 cryptocurrencies from a single intuitive app
  • Seamlessly send and receive crypto from external wallets
  • Commission-free trading and zero ATM fees (up to $250 per month, 2% thereafter)
  • No annual fee. No exchange fees
  • Instant debit card top-up at zero cost
89

More Details+

Go To Site
Welcome bonus of US$15 in X-Points. Not Available for NY state clients.

Wirex | A taste Go To Site

Additional Highlights

  • Near instant crypto transactions
  • Live transaction notifications
  • Instant top-ups by linking your debit/credit card
  • Prepaid Card Funds are held in an FDIC-insured federally chartered bank, insured up to $250,000 per person

Key Product Features

  • X-Account:
  • Ability to earn up to 8% X-Points rewards back for any in-store and online purchases made, with Cryptoback™ rewards scheme and X-tras program
  • Set up the account in 5 minutes
  • On-chain transactions enable crypto to be sent and received from external wallets
  • Earn up to 12 percent interest compounded daily – up to 100x more than the usual rate!
  • Multicurrency Wirex Card:
  • Spend 150+ currencies at live rates at more than 61m locations worldwide
  • Instant in-app alerts help you keep track of your payments
  • Cryptoback™ rewards pay back up to 2% in WXT on all spending, in-store & online
  • Up to $250 monthly ATM withdrawals and no monthly maintenance charge

x

Available On

Android Apple
89

Regulation

FDIC insured

Additional Highlights

  • Buy, hold, exchange and sell US dollars and 37 cryptocurrencies from a single intuitive app
  • Seamlessly send and receive crypto from external wallets
  • Commission-free trading and zero ATM fees (up to $250 per month, 2% thereafter)
  • No annual fee. No exchange fees
  • Instant debit card top-up at zero cost

Key Product Features

  • X-Account:
  • Ability to earn up to 8% X-Points rewards back for any in-store and online purchases made, with Cryptoback™ rewards scheme and X-tras program
  • Set up the account in 5 minutes
  • On-chain transactions enable crypto to be sent and received from external wallets
  • Earn up to 12 percent interest compounded daily – up to 100x more than the usual rate!
  • Multicurrency Wirex Card:
  • Spend 150+ currencies at live rates at more than 61m locations worldwide
  • Instant in-app alerts help you keep track of your payments
  • Cryptoback™ rewards pay back up to 2% in WXT on all spending, in-store & online
  • Up to $250 monthly ATM withdrawals and no monthly maintenance charge
Read Full Review

5 Oxygen

Oxygen

  • Earth - $0
  • Water - $19.99/y
  • Air - 49.99/y
  • Fire - 199.99/y
  • No account fees (Earth)
  • Cashback rewards
  • Virtual cards & P2P
  • Get paid up to 2 days early
  • Savings & robust APYs
86

More Details+

Go To Site

Oxygen | A taste Go To Site

A taste

Additional Highlights

  • Banking Services provided by The Bancorp Bank, Member FDIC
  • Retail and Travel Benefits
  • Cell phone & Travel insurance
  • Create saving goals

Key Product Features

  • Earth - $0:
  • PVC 1 foiled card
  • 2 percent cashback, $1 cashback on coffee
  • 0.25% Savings APY ($20K balance or less)
  • Cell phone insurance & extended warranty protection
  • 3 Active Virtual cards
  • Water - $19.99/y
  • Embedded Metal card
  • 4 percent cashback, $1 cashback on Food & coffee
  • 0.75% Savings APY
  • 15 Active Virtual cards
  • Air - 49.99/y
  • All Metal card
  • 5 percent cashback, $1 cashback on Food & coffee
  • 1.00% Savings APY
  • Unlimited Virtual cards
  • Fire - 199.99/y
  • Mechanically engraved all Metal card
  • 6 percent cashback, $1 cashback on Food & coffee
  • 1.25% Savings APY
  • Unlimited Virtual cards

x

Available On

Android Apple
86

Regulation

FDIC insured

Additional Highlights

  • Banking Services provided by The Bancorp Bank, Member FDIC
  • No account fees (Earth)
  • Cashback rewards
  • Virtual cards & P2P
  • Get paid up to 2 days early
  • Savings & robust APYs

Key Product Features

  • Earth - $0:
  • PVC 1 foiled card
  • 2% cashback, $1 cashback on coffee
  • 0.25% Savings APY ($20K balance or less)
  • Cell phone insurance & extended warranty protection
  • 3 Active Virtual cards
  • Water - $19.99/y
  • Embedded Metal card
  • 4% cashback, $1 cashback on Food & coffee
  • 0.75% Savings APY
  • 15 Active Virtual cards
  • Air - 49.99/y
  • All Metal card
  • 5% cashback, $1 cashback on Food & coffee
  • 1.00% Savings APY
  • Unlimited Virtual cards
  • Fire - 199.99/y
  • Mechanically engraved all Metal card
  • 6% cashback, $1 cashback on Food & coffee
  • 1.25% Savings APY
  • Unlimited Virtual cards
Read Full Review

6 Current

Current

  • Current Basic Account - $0
  • Current Premium Account - $4.99/month
  • Current Teen Account - $36/Year (per teen)
  • Overdraft Up to $100*
  • Get Paid Up to 2 days faster with direct deposit
  • Open to Everyone, including teens
  • Sign up for an account in just 2 minutes
82

More Details+

Go To Site
Free 30-day trial of Premium account

Current | Current Premium Debit Card Go To Site

Current Premium Debit Card

Additional Highlights

  • Manage your money easily without visiting a bank branch
  • View Spending insights & transaction reporting easily
  • Instant Gas hold removals
  • Member funds are insured up to $250,000. Deposits are insured through Current's partner bank, Choice Financial Group, Member FDIC.

Key Product Featires

  • Current Accounts & Debit Card:
  • No hidden fees*
  • No minimum balance
  • No Overdraft fees*
  • No bank transfer fees*
  • Earn points, get cash-back at over 14K participating merchants nationwide
  • No ATM fees at over 40,000 in-network ATM's*
  • Add cash to your account at over 60,000 participating stores via barcode scan
  • Current is a financial technology company, not a bank. Banking services provided by and Visa® Debit Card issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa U.S.A. Inc and can be used everywhere Visa debit cards are accepted. *Out of network cash withdrawal fees apply. Third-party, adding cash and Current membership fees may apply.

x

Available On

Android Apple
82

Regulation

FDIC insured

Additional Highlights

  • Current Basic Account - $0
  • Current Premium Account - $4.99/month
  • Current Teen Account - $36/Year (per teen)

Key Product Featires

  • Fee Free Overdraft Up to $100*
  • Get Paid Up to 2 days faster with direct deposit
  • Open to Everyone, including teens
  • Sign up for an account in just 2 minutes
  • No hidden fees*
  • No minimum balance
  • No Overdraft fees*
  • No bank transfer fees*
  • Earn points, get cash-back at over 14K participating merchants nationwide
  • No ATM fees at over 40,000 in-network ATM's*
  • Add cash to your account at over 60,000 participating stores via barcode scan
  • Current is a financial technology company, not a bank. Banking services provided by and Visa® Debit Card issued by Choice Financial Group, Member FDIC, pursuant to a license from Visa U.S.A. Inc and can be used everywhere Visa debit cards are accepted. *Out of network cash withdrawal fees apply. Third-party, adding cash and Current membership fees may apply.
Read Full Review

7 Aspiration

Aspiration

  • Aspiration Card - Pay what is fair (even $0)
  • Aspiration Plus Card - $5.99/m (annual plan)
  • Investing
  • Retirement
  • Giving
  • Save & Spend - Up to 3.00% APY
  • Deposits won't fund fossil fuel exploration or production
  • 55,000 free in-network ATMs
  • Get Paid up to 2 days early
  • Option to plant a tree with every roundup
79

More Details+

Go To Site
Earn a $150-$200 welcome bonus*

Aspiration | A taste Go To Site

Additional Highlights

  • The Aspiration Redwood Fund is distributed by Capital Investment Group, Inc., Member FINRA/SIPC
  • Investing account - Invest easily with professional managed funds.
  • Aspiration IRAs - Save for your future, save on your taxes, and save the planet.
  • Aspiration Giving makes it easy for you to give to the charitable cause of your choice.

Key Product Features

  • Aspiration Card - Pay what is fair (even $0):
  • Deposits won't fund fossil fuel exploration or production
  • 55,000 free in-network ATMs
  • Get Paid up to 2 days early
  • Option to plant a tree with every roundup
  • 3-5 percent Cash back on Conscience Coalition purchases
  • Aspiration Plus Card - $5.99/m(annualy):
  • All the above, and:
  • 10 percent Cash back on Conscience Coalition purchases
  • Up to 5.00 percent APY on your savings
  • One out-of-network ATM reimbursement monthly
  • Investing:
  • $10 minimum opening deposit
  • Open to new investors
  • Retirement:
  • $10 minimum opening deposit
  • Tax deferred growt

x

Available On

Android Apple
79

Regulation

FDIC insured

Additional Highlights

  • Deposits won't fund fossil fuel exploration or production
  • 55,000 free in-network ATMs
  • Get Paid up to 2 days early
  • Option to plant a tree with every roundup

Key Product Features

  • Aspiration Card - Pay what is fair (even $0):
  • Save & Spend - Up to 3.00% APY (83x more interest than the national average)
  • Deposits won't fund fossil fuel exploration or production
  • 55,000 free in-network ATMs
  • Get Paid up to 2 days early
  • Option to plant a tree with every roundup
  • 3-5% Cash back on Conscience Coalition purchases
  • Aspiration Plus Card - $5.99/m(annualy):
  • All the above, and:
  • 10% Cash back on Conscience Coalition purchases
  • Up to 5.00 percent APY on your savings
  • One out-of-network ATM reimbursement monthly
  • Investing:
  • $10 minimum opening deposit
  • Open to new investors
  • Retirement:
  • $10 minimum opening deposit
  • Tax deferred growth
  • Traditional IRA
Read Full Review

8 SoFi

SoFi

  • SoFi Money
  • Credit Card
  • Personal loans
  • Student Loan Refinancing
  • Cash management account
  • Sign-up in 60 seconds
  • No account fees
  • 55,000+ fee-free ATMs worldwide within the Allpoint Network
  • Get Paid up to 2 days early
77

More Details+

Go To Site
$100 Welcome Bonus*

SoFi | A taste Go To Site

Additional Features

  • FDIC-insured deposits up to $1.5MM through the SoFi Money sweep program with partner banks
  • Goal-Based Savings through Vaults
  • Automated bill pay
  • Access to SoFi member benefits like career coaching and financial advising

Top Destination Countries

  • SoFi Money:
  • Earn 0.25% APY
  • No-fee Overdraft coverage
  • Manage your account via mobile device
  • SoFi Credit Card:
  • Save, invest & pay down debt with CC
  • Get up to 2 percent cashback on purchases
  • No annual fee
  • Personal Loans:
  • Fixed Rates 4.74% APR to 19.38% APR (with AutoPay and Direct Deposit into SoFi Money®)
  • No Fees
  • 2-7 Years
  • $5,000-$100,000
  • Student Loan Refinancing:
  • Fixed interest rates start at 2.74% APR* (with autopay)
  • No hidden fees
  • Fast, easy & all online

x

Available On

Android Apple
77

Regulation

FDIC insured

Additional Features

  • Cash management account
  • Sign-up in 60 seconds
  • No account fees
  • 55,000+ fee-free ATMs worldwide within the Allpoint Network
  • Get Paid up to 2 days early

Top Destination Countries

  • SoFi Money:
  • Earn 0.25% APY
  • No-fee Overdraft coverage
  • Manage your account via mobile device
  • SoFi Credit Card:
  • Save, invest & pay down debt with CC
  • Get up to 2 percent cashback on purchases
  • No annual fee
  • Personal Loans:
  • Fixed Rates 4.74% APR to 19.38% APR (with AutoPay and Direct Deposit into SoFi Money®)
  • No Fees
  • 2-7 Years
  • $5,000-$100,000
  • Student Loan Refinancing:
  • Fixed interest rates start at 2.74% APR* (with autopay)
  • No hidden fees
  • Fast, easy & all online
Read Full Review

9 OnJuno

OnJuno

  • Basic Checking Account - Free Forever
  • Metal Checking Account - Free, with the set up a $250 direct deposit per month
  • Get started in less than 5 minutes
  • No Fee Cash Withdrawals  - 85,000 Allpoint & MoneyPass® ATMs
  • Seamlessly manage your cash and crypto in one place
  • 4% yearly savings on your dollars
  • Choose to receive part of your paycheck in crypto
75

More Details+

Go To Site

OnJuno | A taste Go To Site

Additional Highlights

  • Cashback debit card that rivals top credit cards
  • Talk to real people for customer support
  • Instant Virtual Card issued
  • Seamlessly connect all your account through our plaid integration

Key Product Features

  • Basic Checking Account:
  • Yearly Bonus on Deposits - 1.20 percent  on balances up to $5,000
  • Yearly Cashbacks - 5 percent  on spends up to $500
  • Debit Cards - Instant Virtual Cards
  • Contactless Mobile Payments - Apple Pay, Google Pay & Samsung Pay
  • Out-of-Network ATMs - 1 free withdrawal per month
  • Metal Checking Account:
  • Yearly Bonus on Deposits - 1.20 percent  on balances up to $50,000
  • Yearly Cashbacks - 5 percent  on spends up to $3,000
  • Debit Cards - Black Metal and Virtual Cards
  • Contactless Mobile Payments - Apple Pay, Google Pay & Samsung Pay
  • Out-of-Network ATMs - 3 free withdrawal per month

x

Available On

Android Apple
75

Regulation

FDIC insured

Additional Highlights

  • Get started in less than 5 minutes
  • No Fee Cash Withdrawals  - 85,000 Allpoint & MoneyPass® ATMs
  • Seamlessly manage your cash and crypto in one place
  • 4% yearly savings on your dollars
  • Choose to receive part of your paycheck in crypto

Key Product Features

  • Basic Checking Account - Free Forever:
  • Yearly Bonus on Deposits - 1.20 percent  on balances up to $5,000
  • Yearly Cashbacks - 5 percent  on spends up to $500
  • Debit Cards - Instant Virtual Cards
  • Contactless Mobile Payments - Apple Pay, Google Pay & Samsung Pay
  • Out-of-Network ATMs - 1 free withdrawal per month
  • Metal Checking Account - Free with direct deposit of $250 per month
  • Yearly Bonus on Deposits - 1.20 percent  on balances up to $50,000
  • Yearly Cashbacks - 5 percent  on spends up to $3,000
  • Debit Cards - Black Metal and Virtual Cards
  • Contactless Mobile Payments - Apple Pay, Google Pay & Samsung Pay
  • Out-of-Network ATMs - 3 free withdrawal per month
Read Full Review

10 Chime

Chime

  • Spending Accounts
  • Savings Account
  • Fee-free overdraft up to $100* with Chime’s SpotMe®
  • Get paid up to 2 days early with direct depositˆ
  • No foreign transaction fees˜
  • No minimum, monthly, or overdraft fees˜
  • No minimum balance requirements
  • No Credit Check or ChexSystems
72

More Details+

Go To Site

Chime | Debit Card Go To Site

Debit Card

Additional Highlights

  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.
  • Track your account balance, transactions & savings via app
  • Over 38,000 fee-free ATMs with Moneypass® and Visa® Plus Alliance
  • Debit card management via app

Key Product Features

  • Spending Account: Comes with Visa® Debit card
  • Savings Account: 0.50% Annual Percentage Yield (APY)¹. Set money aside with Automatic Savings features

*T&C Apply

Chime Review

x

Available On

Android Apple
72

Regulation

FDIC insured

Additional Highlights

  • Fee-free overdraft up to $100* with Chime’s SpotMe®
  • Get paid up to 2 days early with direct depositˆ
  • No foreign transaction fees˜
  • No minimum, monthly, or overdraft fees˜
  • No minimum balance requirements
  • No Credit Check or ChexSystems
  • Chime is a financial technology company, not a bank. Banking services provided by, and debit card issued by, The Bancorp Bank or Stride Bank, N.A.; Members FDIC.

Key Product Features

  • Spending Account: Comes with Visa® Debit card
  • Savings Account: 0.50% Annual Percentage Yield (APY)¹. Set money aside with Automatic Savings features
  • Chime accounts are FDIC insured up to $250,000 through The Bancorp Bank or Stride Bank, N.A., Members FDIC
  • Over 38,000 fee-free ATMs with Moneypass® and Visa® Plus Alliance
Read Full Review

The Advantages of Neobanks

The Advantages of Neobanks

Stay On The Safe Side & Make Smarter Decision

Stay On The Safe Side & Make Smarter Decision

All of the services presented in our website are regulated and licenced. Top8neobanks' team of fintec experts took an in depth reviews and examinations of these services and thier products in order to give you, the customer, as much added value as possible and allowing you to make smarter and safer decision before upgrading your financial life and opening your first digital bank account with one of the many services available in the market. If you find anything incorrect with the data presented both on our site and/or the services, please feel free to contact us via email, and we will do our best to correct it and inform others. Thank you for choosing our service and we hope you will be satisfied from choosing to be part of the revolution of banking re-defind.

Empower Disclosure:

^ Eligibility requirements apply. Free instant delivery is available for eligible Empower Checking Account customers with an activated debit card.

* Early access to paycheck deposit funds depends on the timing of the employer's submission of deposits. We generally post such deposits on the day they are received which may be up to 2 days earlier than the employer's scheduled payment date.

** Cashback deals on Empower Card purchases, including categories, merchants, and percentages, will vary and must be selected in the app. Cashback will be applied automatically when the final transaction posts, which may be up to a week after the qualifying purchase.