68 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 142 start-ups with an aggregate funding of $25.6b. The average funding per company in this subset is $375.8m.

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

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6

Funding Rounds

$799.8m

Money raised

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

$898.4m

Money raised

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

14

Funding Rounds

$2.5b

Money raised

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

Location:

Key people:

12

Funding Rounds

$1.7b

Money raised

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

Location:

Key people:

4

Funding Rounds

$126.0m

Money raised

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

Key people:

10

Funding Rounds

$1.1b

Money raised

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

12

Funding Rounds

$507.3m

Money raised

Acorns is an Irvine, California-based micro-investing company allowing users to round up consumer purchases and invest the change.

6

Funding Rounds

$324.5m

Money raised

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

8

Funding Rounds

$1.0b

Money raised

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

12

Funding Rounds

$1.2b

Money raised

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

6

Funding Rounds

$687.3m

Money raised

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

Location:

Key people:

16

Funding Rounds

$1.6b

Money raised

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

Location:

Key people:

12

Funding Rounds

$84.9m

Money raised

Penta is a digital bank account for startups and SMEs in Germany.

4

Funding Rounds

$140.3m

Money raised

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

3

Funding Rounds

$228.7m

Money raised

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

Location:

Key people:

8

Funding Rounds

$587.0m

Money raised

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

Key people:

7

Funding Rounds

$1.1b

Money raised

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

Location:

8

Funding Rounds

$435.0m

Money raised

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

1

Funding Rounds

$10.0m

Money raised

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.

13

Funding Rounds

$1.0b

Money raised

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

Location:

Key people:

15

Funding Rounds

$282.6m

Money raised

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

Location:

Key people:

4

Funding Rounds

$176.3m

Money raised

Step is a digital banking service built for teens.

Industries:

Key people:

3

Funding Rounds

$142.5m

Money raised

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

1

Funding Rounds

$360.4k

Money raised

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.

Industries:

Location:

Key people:

6

Funding Rounds

$38.0m

Money raised

Countingup is a business current account & online accounting software.

Location:

Key people:

11

Funding Rounds

$446.8m

Money raised

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

Location:

Key people:

3

Funding Rounds

$570.0m

Money raised

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

Industries:

Location:

14

Funding Rounds

$236.2m

Money raised

Curve is a digital wallet app provider founded in 2015.

7

Funding Rounds

$41.6m

Money raised

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

Location:

Key people:

2

Funding Rounds

$182.0m

Money raised

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.

1

Funding Rounds

$125.0k

Money raised

Online bank for high net worth individuals and families

Key people:

2

Funding Rounds

$145.0m

Money raised

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

6

Funding Rounds

$78.4m

Money raised

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

Location:

Key people:

5

Funding Rounds

$219.0m

Money raised

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

Location:

Key people:

21

Funding Rounds

$1.2b

Money raised

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.

Location:

7

Funding Rounds

$194.2m

Money raised

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.

Location:

Key people:

3

Funding Rounds

$800.0m

Money raised

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.

Location:

Key people:

6

Funding Rounds

$407.0m

Money raised

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.

Key people:

5

Funding Rounds

$57.0m

Money raised

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.

Location:

Key people:

4

Funding Rounds

$15.3m

Money raised

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.

Industries:

Location:

4

Funding Rounds

$150.5m

Money raised

Aspire is a company founded in 2018 by Giovanni Casinelli, Joel Leong, Andrea Baronchelli, Giacomo Ficari and Stefano Pellegrino.

9

Funding Rounds

$445.6m

Money raised

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

Location:

Key people:

13

Funding Rounds

$531.2m

Money raised

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

Location:

Key people:

15

Funding Rounds

$70.6m

Money raised

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

Location:

Key people:

3

Funding Rounds

$23.5m

Money raised

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.

Key people:

3

Funding Rounds

$981.0k

Money raised

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.

4

Funding Rounds

$263.0m

Money raised

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.

Key people:

7

Funding Rounds

$241.4m

Money raised

Tide Bank 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. Tide Bank currently accepts to open mobile bank accounts for residents of United Kingdom.

Key people:

2

Funding Rounds

$3.7m

Money raised

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

$95.0m

Money raised

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.

Key people:

1

Funding Rounds

$2.7m

Money raised

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.

Key people:

8

Funding Rounds

$125.2m

Money raised

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.

3

Funding Rounds

$110.0m

Money raised

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.

1

Funding Rounds

$1.5m

Money raised

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

3

Funding Rounds

$8.7m

Money raised

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.

Location:

Key people:

5

Funding Rounds

$293.0m

Money raised

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.

Location:

Key people:

5

Funding Rounds

$80.5m

Money raised

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.

3

Funding Rounds

$43.0m

Money raised

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

Key people:

3

Funding Rounds

$819.0m

Money raised

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

$30.0m

Money raised

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

2

Funding Rounds

$9.3m

Money raised

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.

Industries:

Location:

2

Funding Rounds

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

6

Funding Rounds

$401.0m

Money raised

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

Location:

Key people:

2

Funding Rounds

$19.3m

Money raised

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

Key people:

6

Funding Rounds

$270.0m

Money raised

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.

4

Funding Rounds

$4.8m

Money raised

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.

Location:

Key people:

8

Funding Rounds

$135.8m

Money raised

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.

3

Funding Rounds

$54.0m

Money raised

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.

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