| Chime verified today | - Users can receive their paychecks up to two days early through the platform's direct deposit feature.
- Customers can deposit cash into their accounts at more than 85,000 partner retail locations such as Walgreens and Walmart.
- Eligible members can use the SpotMe service to overdraft their accounts by up to $200 without incurring fees.
| Free Chime has no monthly fees or minimum deposit requirements, though out-of-network ATM withdrawals and cash deposits may incur third-party charges. | Live US |
| Current verified today | - Users can earn one point for every dollar spent on eligible dining and grocery purchases to be redeemed for cash back.
- Account holders can receive their paychecks up to two days early through the direct deposit feature.
- Customers can park their savings in up to three separate Savings Pods to organize their financial goals.
| Free The Spend Account has no annual fees, minimum balance requirements, or bank transfer fees. | Live US |
| EQ Bank verified today | - Users can earn high interest on their deposits through the Everyday Banking account and specialized Notice Savings Accounts.
- Customers can withdraw cash for free from any ATM in Canada using the reloadable EQ Bank card.
- Investors can open and manage registered accounts such as TFSAs, RRSPs, and FHSAs.
| Free There are no everyday banking fees or account transaction fees, and ATM withdrawals within Canada are free. | Live CA |
| Monzo verified today | - Personal customers can access overdrafts up to £3,000 with variable interest rates of 19%, 29%, or 39% based on credit history.
- Business account holders can assign specific roles to team members, such as 'admin' for full control or 'expense cardholder' for restricted spending.
- Users can make unlimited fee-free ATM withdrawals within the UK and EEA when using Monzo as their main bank account.
| Free tier + £3-£17/mo for Personal; £0-£25/mo for Business Personal premium accounts range from £3 to £17 per month, while business plans include Lite (£0), Pro (£9), and Team (£25) tiers. | Live UK |
| Revolut verified today | - Users can hold and spend in over 25 different currencies through a multi-currency account.
- Customers can trade stocks, cryptocurrencies, and commodities directly within the mobile application.
- Parents can link Kids & Teens accounts to their personal bank account for family money management.
| Free Standard plan and paid tiers up to £55/mo for personal, and £10/mo to £125/mo for business Personal accounts include a free Standard tier, while the Basic business account carries a £10 monthly fee and includes 10 free UK transfers per month. | Live UK |
| SoFi verified today | - Users can earn up to 4.00% APY on savings balances by meeting direct deposit requirements or depositing $5,000 every 31 days.
- Customers can access their paychecks up to two days early through eligible direct deposit services.
- Members can utilize a large, free ATM network for cash withdrawals without incurring account fees.
| Free There are no account, service, or maintenance fees, though charges apply for outgoing wire transfers, Instant Transfers, and global remittances. | Live US |
| Starling Bank verified today | - Users can make cross-border payments to bank accounts in 34 countries using the real exchange rate with a 0.4% conversion fee.
- Customers can deposit physical cash at Post Office branches and scan cheques to pay them in remotely via the mobile app.
- Small business owners can manage accounting and spending analytics while setting money aside for taxes in dedicated 'Spaces'.
| Free tier with paid add-ons While basic banking is free, holding Euro or USD accounts costs £2 and £5 per month respectively, and cash deposits over £1,000 annually incur a 0.7% fee. | Live UK |
| Tangerine verified today | - Users can perform unlimited free self-serve transactions through a no-fee daily chequing account.
- Clients can access their cash without fees at over 3,500 Scotiabank ATMs in Canada and 44,000 international machines through the Global ATM Alliance.
- Customers can open various registered accounts including TFSAs, RSPs, RIFs, and FHSAs for tax-advantaged savings and investments.
| Free tier The bank charges no monthly fees and requires no minimum balance, though it does apply a $45 fee for non-sufficient funds. | Live CA |
| Varo Bank verified today | - Users can earn up to 5% APY on savings balances up to $5,000 by meeting direct deposit and account balance requirements.
- Customers can automatically save portions of their paychecks or round up purchases to the nearest dollar for deposit into savings.
- Account holders can access funds via Allpoint ATMs and receive their pay up to two days early through direct deposit.
| Free While there are no monthly fees, users may encounter a $3.50 fee for non-Allpoint ATM transactions and a $2.50 fee for over-the-counter cash withdrawals. | Live US |