69 Best Neobanking Startups to Watch in 2025

The Definitive Seedtable Ranking of Neobanking Startups

We track 71,000+ companies and rank them dynamically using our Seedtable Score – a score that uses quantitative and qualitative data points to signal the momentum behind a company. We then monitor the list manually leveraging our expertise as founders and investors.

There are 140 start-ups with an aggregate funding of $25.9b. The average funding per company in this subset is $374.8m.

Last update to the database: Feb 18, 2025. See changelog.

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Chime Bank logo

Chime Bank

A bank offering online banking services with no user no bank fees, and an option to receive direct deposit up to two days early. Chris Britt and Ryan King founded Chime in 2013, and the company is headquartered in San Francisco, California.

6

Funding Rounds

$799.8m

Money raised

Wise logo

Wise

Wise, previously TransferWise, is a company that offers money transfers services founded by Kristo Käärmann and Taavet Hinrikus.

6

Funding Rounds

$898.4m

Money raised

N26 (bank) logo

N26 (bank)

N26 is a is a mobile banking company headquartered in Berlin, Germany.

14

Funding Rounds

$2.5b

Money raised

Revolut logo

Revolut

Revolut is a London-based Fintech startup and bank offering mobile banking, card payments, money remittance, and foreign exchange services.

12

Funding Rounds

$1.7b

Money raised

Mercury logo

Mercury

Mercury is a company making banking products for startups based in San Francisco and backed by a16z.

4

Funding Rounds

$126.0m

Money raised

Juno logo

Juno

Juno, previously known as OnJuno, is a neobanking platform that offers interest-earning personal checking accounts. The platform allows all transactions to be managed from an iPhone or Android application, and users can be paid in cryptocurrency through direct deposit.

4

Funding Rounds

$33.2m

Money raised

Starling Bank logo

Starling Bank

Starling is an UK-based mobile-first digital banking startup.

10

Funding Rounds

$1.1b

Money raised

MoneyLion logo

MoneyLion

MoneyLion is a mobile banking platform for borrowing, saving, and investing.

6

Funding Rounds

$324.5m

Money raised

Varo Money logo

Varo Money

Varo is a San Francisco-based mobile banking business allowing customers to pay their bills, cover their expenses and build their wealth.

8

Funding Rounds

$1.0b

Money raised

Greenlight Financial Technology logo

Greenlight Financial Technology

Greenlight Financial Technology is an Atlanta-based company offering a debit cards for kids parents can manage by app.

12

Funding Rounds

$1.2b

Money raised

Qonto logo

Qonto

Qonto is a French online payment institution for freelancers and small and medium enterprises.

6

Funding Rounds

$687.3m

Money raised

Monzo logo

Monzo

Monzo is a digital banking platform founded in 2015 by Jason Bates, Tom Blomfield, Jonas Huckestein and Paul Rippon.

16

Funding Rounds

$1.6b

Money raised

Novo (Bank Novo) logo

Novo (Bank Novo)

Novo focuses on giving a banking option to startups and small business owners, founded by Michael Rangel and Tyler McIntyre.

4

Funding Rounds

$140.3m

Money raised

Neo Financial logo

Neo Financial

Neo Financial is a Calgary-based financial technology company founded in 2019.

3

Funding Rounds

$228.7m

Money raised

OakNorth Bank logo

OakNorth Bank

OakNorth is a financial technology company that enables entrepreneurs access customized mid-sized loans.

8

Funding Rounds

$1.0b

Money raised

Upgrade (company) logo

Upgrade (company)

Upgrade is a neo-bank offering affordable credit to consumers.

8

Funding Rounds

$587.0m

Money raised

Toss (company) logo

Toss (company)

Also known as Viva Republica, Toss provides a peer-to-peer mobile payments platform in Korea.

7

Funding Rounds

$1.1b

Money raised

Betterment (company) logo

Betterment (company)

An online-investment adviser registered by the u.s. securities and exchange commission

8

Funding Rounds

$435.0m

Money raised

Mozn logo

Mozn

Mozn (مزن) is a Saudi RegTech company that harnesses the power of Artificial Intelligence to innovate and build Products and Solutions for the advancement of digital humanity. Mozn builds advanced Artificial Intelligence products and solutions to empower enterprises in making critical decisions.

1

Funding Rounds

$10.0m

Money raised

Atom Bank logo

Atom Bank

Atom Bank is a digital financial company offering personal and business banking products.

13

Funding Rounds

$1.0b

Money raised

Monese logo

Monese

Monese is an online mobile banking platform founded in 2013 by Norris Koppel.

15

Funding Rounds

$282.6m

Money raised

Step (FinTech company) logo

Step (FinTech company)

Step is a digital banking service built for teens.

4

Funding Rounds

$176.3m

Money raised

M1 Finance logo

M1 Finance

M1 Finance is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. M1 Finance currently accepts to open mobile bank accounts for residents of United States.

6

Funding Rounds

$323.2m

Money raised

Klar logo

Klar

Klar is a startup that aims to democratize banking services in Mexico.

3

Funding Rounds

$142.5m

Money raised

Holvi logo

Holvi

Holvi is a neobank based in Finland offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Holvi currently accepts to open mobile bank accounts for residents of Austria, Belgium, Finland, France, Germany, Ireland, Italy, Netherlands, and United Kingdom.

1

Funding Rounds

$360.4k

Money raised

Countingup logo

Countingup

Countingup is a business current account & online accounting software.

6

Funding Rounds

$38.0m

Money raised

bunq logo

bunq

bunq is a mobile-first, open source neobank founded in 2012 by Ali Niknam.

11

Funding Rounds

$446.8m

Money raised

Opay logo

Opay

Opay is a neobank offering personal accounts with a debit card and all transactions managed from a mobile phone.

3

Funding Rounds

$570.0m

Money raised

DoPay logo

DoPay

DoPay is a London-based cloud-based payroll service allowing employers to calculate salaries and make payments electronically.

7

Funding Rounds

$41.6m

Money raised

Aspiration (company) logo

Aspiration (company)

Aspiration is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Aspiration currently accepts to open mobile bank accounts for residents of United States.

2

Funding Rounds

$182.0m

Money raised

Letter (bank) logo

Letter (bank)

Online bank for high net worth individuals and families

1

Funding Rounds

$125.0k

Money raised

Paysend logo

Paysend

Paysend is a United Kingdom-based financial technology payments company.

2

Funding Rounds

$145.0m

Money raised

ID Finance logo

ID Finance

ID Finance is a Barcelona-based company that provides an online marketplace for consumer installment loans.

6

Funding Rounds

$78.4m

Money raised

Payoneer logo

Payoneer

Payoneer is a New York City-based company founded in 2005 by Yuval Tal.

5

Funding Rounds

$219.0m

Money raised

Lunar (neobank) logo

Lunar (neobank)

Lunar is a neobank based in Denmark offering Personal accounts, Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Lunar currently accepts to open mobile bank accounts for residents of Denmark, Norway.

21

Funding Rounds

$1.2b

Money raised

Kyash logo

Kyash

Kyash is a neobank based in Japan offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Kyash currently accepts to open mobile bank accounts for residents of Japan.

7

Funding Rounds

$194.2m

Money raised

Ualá logo

Ualá

Uala is a neobank based in Argentina offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. On November 5, crypto transaction service was launched. This function is currently available for specific users, and only supports BTC and ETH.

3

Funding Rounds

$800.0m

Money raised

Current (FinTech company) logo

Current (FinTech company)

Current is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Current currently accepts to open mobile bank accounts for residents of United States.

6

Funding Rounds

$407.0m

Money raised

Neat logo

Neat

Neat is a neobank based in Hong Kong offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Neat currently accepts to open mobile bank accounts for residents of Andorra, Anguilla, Argentina, Australia, Austria, Bangladesh, Belgium, Brazil, British Virgin Islands, Canada, Cayman Islands, Chile, China, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Guernsey, Hong Kong, Hungary, Iceland, India, Indonesia, Ireland, Isle of Man, Israel, Italy, Japan, Jersey, Liechtenstein, Lithuania, Luxembourg, Macau, Malaysia, Mexico, Monaco, Netherlands, New Zealand, Norway, Philippines, Poland, Saint Kitts and Nevis, Seychelles, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, Taiwan, Thailand, Turkey, United Kingdom, United States, Uruguay, and Vietnam.

5

Funding Rounds

$57.0m

Money raised

Simple logo

Simple

Founded in 2009 and based in Portland, Oregon, Simple combines innovative technology, impeccable user experience, and expertise in behavioral economics to help customers spend smarter and save more. Acquired by BBVA.

4

Funding Rounds

$15.3m

Money raised

Lydia (company) logo

Lydia (company)

Lydia is a Paris-based payment and financial technology company offering users accounts, payment cards, loans, insurance, and gift cards.

9

Funding Rounds

$445.6m

Money raised

Stash (company) logo

Stash (company)

Stash is a New York City-based digital investing and banking platform.

13

Funding Rounds

$531.2m

Money raised

Pockit logo

Pockit

Pockit is a digital banking app for "underserved" customers founded in 2012 by Virraj Jatania.

15

Funding Rounds

$70.6m

Money raised

NorthOne logo

NorthOne

Northone is a neobank based in United States offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Northone currently accepts to open mobile bank accounts for residents of Canada and United States.

3

Funding Rounds

$23.5m

Money raised

CurrencyFair logo

CurrencyFair

CurrencyFair is a Peer-to-Peer Currency Exchange based in Ireland offering multi-currency account, competitive exchange rates with no hidden fees, fast and secure money transfer, with all transactions being managed from an iPhone or Android application. CurrencyFair currently accepts to open accounts for residents of Anguilla, Aruba, Australia, Austria, Belgium, Bulgaria, Canada, Croatia, Curacao, Czech Republic, Denmark, Dubai (U.A.E), Estonia, Finland, France, Germany, Greece, Hong Kong, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, New Zealand, Norway, Poland, Portugal, Romania, Singapore, Slovakia, Slovenia, South Africa, Spain, Sweden, Switzerland, United Kingdom.

3

Funding Rounds

$981.0k

Money raised

Soldo (company) logo

Soldo (company)

Soldo is a neobank based in United Kingdom offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Soldo currently accepts to open mobile bank accounts for residents of Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and United Kingdom.

4

Funding Rounds

$263.0m

Money raised

Tyro Payments logo

Tyro Payments

Tyro Payments is a neobank based in Australia offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Tyro Payments currently accepts to open mobile bank accounts for residents of Australia.

2

Funding Rounds

$3.7m

Money raised

gohenry logo

gohenry

Gohenry is a developer of a kids money management application helping young people to take part in the digital economy, combining web and mobile apps with a debit card with parental controls.

2

Funding Rounds

$95.0m

Money raised

Sable (digital bank) logo

Sable (digital bank)

A company providing a digital bank to people who relocate to the United States. Its financial products include savings account, checking account, and credit card.

1

Funding Rounds

$2.7m

Money raised

MAJORITY logo

MAJORITY

Majority is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Majority currently accepts to open mobile bank accounts for residents of United States.

8

Funding Rounds

$125.2m

Money raised

Open (neobank) logo

Open (neobank)

Open is a neobank based in India offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Open currently accepts to open mobile bank accounts for residents of India.

3

Funding Rounds

$110.0m

Money raised

Lendistry logo

Lendistry

Lendistry is a fintech company that offers business loans, SBA loans, and commercial real estate loans for small business owners.

1

Funding Rounds

$1.5m

Money raised

Anytime (software company) logo

Anytime (software company)

Anytime is a neobank based in France offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Anytime currently accepts to open mobile bank accounts for residents of France.

3

Funding Rounds

$8.7m

Money raised

Vivid Money logo

Vivid Money

Vivid Money is a neobank based in Germany offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Vivid Money currently accepts to open mobile bank accounts for residents of Austria, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, and Sweden.

5

Funding Rounds

$293.0m

Money raised

Zero logo

Zero

Zero is a neobank based in United States offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Zero currently accepts to open mobile bank accounts for residents of United States.

5

Funding Rounds

$80.5m

Money raised

Atlas logo

Atlas

Atlas is a San Francisco-based company founded in 2019 by Patrick Mrozowski.

3

Funding Rounds

$43.0m

Money raised

Flink logo

Flink

Flink is a neobank based in Mexico offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Flink currently accepts to open mobile bank accounts for residents of Mexico.

3

Funding Rounds

$819.0m

Money raised

Good Money logo

Good Money

Good Money is a banking platform owned by the banks users.

3

Funding Rounds

$30.0m

Money raised

Shine (finance company) logo

Shine (finance company)

Shine is a neobank based in France offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Shine currently accepts to open mobile bank accounts for residents of France.

2

Funding Rounds

$9.3m

Money raised

Lendico logo

Lendico

Lendico is a Berlin-based operator of a peer-to-peer lending platform.

2

Funding Rounds

Oxygen (company) logo

Oxygen (company)

Oxygen is a digital bank provides banking and lending services for contractors and freelancers.

2

Funding Rounds

$19.3m

Money raised

Allica Bank logo

Allica Bank

Allica Bank, formerly Civilised Bank, is a London-based neobank focused on serving the needs of small to medium enterprises.

6

Funding Rounds

$401.0m

Money raised

Koho logo

Koho

Koho is a neobank based in Canada offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Koho currently accepts to open mobile bank accounts for residents of Canada.

6

Funding Rounds

$270.0m

Money raised

SaveIN logo

SaveIN

SaveIN is a neobank based in India offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. SaveIN currently accepts to open mobile bank accounts for residents of India.

4

Funding Rounds

$4.8m

Money raised

Neon logo

Neon

neon-free is a neobank based in Switzerland offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. neon-free currently accepts to open mobile bank accounts for residents of Switzerland.

8

Funding Rounds

$135.8m

Money raised

Qapital logo

Qapital

Qapital is a neobank based in Sweden offering Personal accounts including a debit card, with all transactions being managed from an iPhone or Android application. Qapital currently accepts to open mobile bank accounts for residents of Sweden.

3

Funding Rounds

$54.0m

Money raised

Kontist logo

Kontist

Kontist is a neobank based in Germany offering Business accounts including a debit card, with all transactions being managed from an iPhone or Android application. Kontist currently accepts to open mobile bank accounts for residents of Germany.

1

Funding Rounds

$30.0m

Money raised

Halleman Bradley logo

Halleman Bradley

HMBradley is a financial technology company.

3

Funding Rounds

$25.4m

Money raised

Albo logo

Albo

Albo is a Mexican neo-bank that offers digital financial services through a mobile platform, allowing users to manage their finances without having to go to a traditional branch bank.

4

Funding Rounds

$71.4m

Money raised