Latest Digital Banks

3S Money (also stylised as 3s.money) is a London-based challenger bank, focusing on international trade. Its key product is local accounts in the Netherlands, UK, Luxembourg, Denmark and Germany with multi-currency IBANs that enable businesses to send and receive high-value international payments. The company also similarly provides international corporate accounts with multi-currency IBANs, and direct USD IBANs, addressed in the company’s name.<br></p><p>The company is especially adept at dealing with high-value international payments for SMEs, which are often underserved by traditional banks and modern payment platforms. 3S Money provides banking services for clients from 190 countries (not just the EU), helping cross-border businesses to enter new markets and operate across the globe. They accept non-UK and non-EU foreign directors and shareholders.<br></p><p>3S Money is also renowned for its approach to compliance and customer service, attempting to combine elements of the traditional merchant banking experience with modern financial technology solutions. 3S Money provides dedicated personal managers to each of its clients to provide them with around-the-clock service and ensure that their transactions are completed with minimal delay.

In early 2021, after operating for less than two years, it was taken over by National Australia Bank (NAB), and merged into its UBank subsidiary.

<p>Airstar Bank Limited is a jointly established entity by Xiaomi Corporation, global IoT leader, and AMTD Group, Asia's leading comprehensive financial services conglomerate. Airstar Bank has been granted a banking licence by the Hong Kong Monetary Authority on 9 May 2019. We uphold the virtue of financial inclusion and dedicate to promoting financial innovation for everyone, eventually becoming "Everyone's Bank" in the heart of our customers. We pledge to all customers that they will enjoy and benefit from the most convenient virtual banking services unprecedentedly. Airstar Bank Limited is a member of the Deposit Protection Scheme. Eligible deposits taken by this Bank are protected by the Scheme up to a limit of HK$500,000 per depositor.</p>

<p>Alpian unifies everyday banking with accessible investment and private banking services in a hassle-free mobile app so that your financial life fits comfortably in the palm of your hand. The combination of human expertise and system intelligence is how we fulfill our promise - to always be at your side on your journey to wealth beyond money.</p>

<p>Through the use of cutting-edge technologies, Ant Bank (Hong Kong) Limited aims to deliver efficient, convenient and diversified virtual banking services, as well as innovative banking products to the community.</p>

<p>Aprila Bank, Oslo-based fintech company, delivering a fully digital banking service to the SME market.</p><p>‍</p>

<p>Aspire provide business owners in Southeast Asia with the financial tools to solve their cashflow management and working capital needs.</p>

Founded in 2014 as the UK’s first app-based bank, based in the North of England.

<p>Bank 131 is the first private company to obtain a Russian banking license since 2015. They offer API-based solutions for Russian and international companies and the digital economy. Their team has extensive experience in implementing large-scale digital projects in Russia and abroad.<br><br>They use a fintech low-risk transactional business model, which makes our service highly reliable. We do not issue loans, and place equity and customer funds on deposit with the Central Bank of Russia.</p>

<p id="">Dora is the first cooperative neo-bank, powered by the credit union movement, to reduce racial and economic disparities. </p><p>Dora Financial is powering the nation’s first bilingual cooperative-based neo-bank strategy. Dora is dedicated to financial inclusion, it includes a fully bilingual digital banking experience and is designed to serve the 63 million Americans that are unbanked. Dora’s Everyday Account meets Bank On National account standards, a perfect solution to service those outside the mainstream banking system.</p><p>It currently is sponsored by four progressive credit unions: Affinity Plus Federal Credit Union (Affinity Plus) headquartered in St. Paul, Minn.; Digital Federal Credit Union in Marlborough, Mass.; Service Federal Credit Union in Portsmouth, N.H.; USALLIANCE Financial in Rye, N.Y.; and Inclusiv, a certified CDFI intermediary in New York, NY.</p>

<p>Bella is the first conversational banking experience 100% powered by love. BELLA is challenging the status quo. Bella injecting love, beauty and empathy in the banking industry.</p>

<p>BigPay, an ASEAN focused fintech company, has launched international remittance services enabling users to send money directly from Malaysia to bank accounts in Singapore, Thailand, Indonesia and the Philippines, with no hidden fees or extra charges.</p><p>BigPay is pioneering digital remittance through its mobile application, offering a seamless experience with instant money transfers. Users can deposit funds into BigPay through their bank cards or via bank transfer.</p>

<p>Blink was born out of a simple belief: Money is meant to be easy; it's meant to work for us, and not the other way around, but somewhere along the way, banks started acting more like establishments that tie us and our money down and so we came together to inspire a new and more liberated way of banking, one that enables you to live with more.</p>

<p id="">Bulder Bank, the mobile-only digital offshoot of Sparebanken Vest, is rapidly emerging as a leader in Norway’s financial innovation landscape. Launched in 2019, this fully digital banking platform has already seen more than 10,000 customers transfer their mortgages, drawn by its advanced features like automated interest rate reductions that align with housing market fluctuations.</p><p id="">Sparebanken Vest, Norway's third-largest savings bank, recognized the need for a more agile and innovative approach in the banking sector. As a result, Bulder Bank was developed from scratch in just nine months, a remarkably swift timeline in an industry often criticized for its slow pace of change.</p><p id="">The app-based service is designed to offer customers a streamlined and efficient banking experience, accessible entirely through their mobile devices. This focus on mobile-only service is a bold move that reflects the changing preferences of modern consumers, who increasingly demand convenience and speed in their financial transactions.</p><p id="">Bulder Bank's ability to automate interest rate adjustments is one of its most notable features. This service ensures that customers benefit from lower rates as soon as market conditions change, eliminating the need for them to renegotiate terms manually. This innovation has not only simplified the mortgage process but has also set a new standard for customer-centric banking in Norway.</p><p id="">As Norway continues its push towards digital innovation, Bulder Bank stands at the forefront, exemplifying how traditional financial institutions can successfully adapt to meet the demands of a rapidly evolving market.</p>

<p>BNP&nbsp;Paribas JV Turkish Economy Bank's digital bank initiative. </p>

<p>Chime, the fastest growing challenger bank in the U.S. is a technology company focused relentlessly on helping our members achieve financial peace of mind.</p><p>- No hidden banking fees</p><p>- Get paid up to 2 days early</p><p>- Grow your savings automatically</p><p>Applying for a bank account and debit card is free and takes less than 5 minutes.</p>

<p id="">Colendi, Turkey’s foremost fintech company, has officially received a banking license, marking a significant milestone in its journey to becoming the nation’s first digital bank. With 18 million customers already on board, Colendi is poised to revolutionize the Turkish banking landscape by offering a fully digital, AI-powered banking experience.</p><p id="">The company has forged substantial partnerships with some of Turkey's largest corporations, including Migros, the country's leading multi-format grocery retailer, and Turkcell, the largest telecom operator. These alliances, combined with Colendi’s aggressive expansion strategy, have solidified its position as a key player in Turkey's financial technology sector.</p><p id="">Over the past 24 months, Colendi has strategically acquired several key licenses, including those for e-money, asset management, capital markets, and insurance brokerage. This has allowed the fintech giant to build a comprehensive ecosystem, offering a wide array of financial services. Since its inception in 2021, Colendi’s payment division has experienced exponential growth, expanding more than 40 times, while its credit business has grown over tenfold. The company has processed over $300 million in financial transactions, serving more than 1.5 million credit users.</p><p id="">Colendi has also distinguished itself as the first brokerage in Turkey to offer trading of international stocks in Turkish Lira, alongside commodities, precious metals, and local stocks. Additionally, it has pioneered embedded insurtech products within retail channels, broadening its reach into new verticals.</p><p id="">With the newly obtained banking license, ColendiBank, as it will be known, is now empowered to receive deposits and issue loans from its own balance sheet, all within a secure and regulated environment. The bank's proprietary technology, which spans the entire vertical stack, will be integral to its operations, leveraging Turkey's robust banking infrastructure and regulatory standards to offer a seamless digital banking experience.</p><p id="">ColendiBank’s ambitions extend beyond Turkey. The firm aims to scale its platform to reach 50 million customers across the region, positioning itself as a global leader in financial technology innovation. At the core of ColendiBank’s strategy is the integration of financial technology with artificial intelligence. This AI-driven approach will enable the bank to provide personalized, efficient services, transforming user experiences and setting new standards in digital banking.</p>

<p>Copper Banking was founded with the mission to help teens gain real world experience with money by giving them access to their money in a way that traditional banks aren’t able to do. The Copper app and debit card teaches teens how to make smart financial decisions by creating a platform for parents and teens to connect. We are founded on the belief that teens should have equal access to financial education and should be empowered to learn by doing. Cause you're never too young to get your money right.</p>

<p id="">A shariah-compliant Saudi digital bank that aims to provide the best financial experience in the Kingdom.</p>

<p>QNB Finansbank's Enpara</p>

<p>EGYPT</p>

<p>Indonesia</p>

<p>Fire Financial Services Limited – t/a Fire and fire.com provides digital accounts and debit cards to business and personal customers in the UK and Republic of Ireland. A Fire business account is suitable for all (UK and ROI registered) businesses and supports sterling and euro bank transfers, a MasterCard debit card and an API that enables integration from customer’s systems to the data in their Fire account. The personal app also supports sterling and euro bank transfers, a MasterCard debit card with real time notifications, social payments and requests to contacts and other apps. Fire was founded in 2009 and acquired by Colm Lyon in 2015 alongside a transaction to sell Realex Payments – a business founded by Colm Lyon in 2000.</p>