我們列出了 2024 年 5 家最佳

技術驅動的效率

。

坦率地說，在現代世界，每個人都應該進一步探索這些新銀行，并重新考慮將錢存入何處。

主要亮點：

1. Revolut——

   一家擁有無與倫比便利性的英國巨頭

2. N26

   - 免費賬戶，用戶體驗極佳

3. Wise

   - 面向國際業(yè)務的新銀行

4. Monzo——

   滿足個人銀行業(yè)務需求

5. Chime

   - 美國金融科技巨頭，擁有超過 50,000 臺免費 ATM

5 家最佳新銀行：探索 2024 年頂級數字銀行平臺

在以下部分中，我們將研究目前可用的最佳新銀行并探討其主要特征。

1. Revolut——一家擁有無與倫比便利性的英國巨頭

雖然您可能知道 Revolut 是一家以低費用和全球服務而聞名的知名新銀行，但真正引人注目的是其顯著的市場增長和對傳統(tǒng)銀行業(yè)造成的顛覆。Revolut 成立于 2015 年，總部位于英國倫敦，由立陶宛銀行授權，2023 年的收入高達 18 億英鎊（23.3 億美元）。

Revolut 在我們的榜單上名列第一。其消費者友好型方法吸引了廣泛的用戶群，包括加密貨幣用戶。事實上，Revolut 可能是加密貨幣用戶最好的銀行之一。我們已經提到了低費用，但它也提供了便利，并能夠節(jié)省資產并賺取 APY。

主要特征：

• 多幣種賬戶

  ：您可以按照銀行間匯率管理和兌換 30 多種貨幣

• 儲蓄和預算

  ：

  • 儲蓄金庫

    ：在您的賬戶中創(chuàng)建專用空間，用于實現特定目標的儲蓄，并通過付費計劃賺取 APY

  • 預算工具

    ：跟蹤支出、制定預算并通過詳細分析深入了解你的財務習慣

• 投資和交易

  ：

  • 股票和 ETF 投資

    ：購買零股并投資各種股票和 ETF

  • 加密貨幣和商品

    ：直接在應用程序內交易加密貨幣和黃金、白銀等商品

• 付款和轉賬功能

  ：

  • Instant Transfers: Send money instantly to other Revolut users or to bank accounts around the world

  • Spare Change Round-Up: Automatically save the difference from rounded-up purchases into your Savings Vault

• Travel Benefits:

  • Travel Insurance: Purchase travel insurance directly through the app

  • Airport Lounge Access: Discounted access to airport lounges with premium plans

  • Fee-Free International ATM Withdrawals: Withdraw cash abroad without fees up to a certain limit (based on your plan)

• Security and Convenience:

  • Disposable Virtual Cards: Generate single-use virtual cards for secure online transactions

  • Card Freezing: Instantly lock your card if misplaced

  • Linked Accounts: Connect and manage multiple bank accounts from within the Revolut app

• Additional Services:

  • Revolut for Teens: Prepaid cards with spending controls for teenagers

  • Group Payments: Easily split bills and collect money from friends

  • Salary Advance: Access a portion of your salary early, subject to eligibility

  • In-App Donations: Donate directly to charities through the app

• Customer Service: Revolut offers multiple ways to get in touch with customer service, such as live chat in multiple languages and a detailed online help center

2. N26 - No fee accounts with impressive user experience

Founded in 2013, N26is aGerman neobank that offers a user-friendly mobile app and no-fee accounts, while offering up to 10 different subaccounts for paid plans.

The app’s interface looks incredibly sleek and clean, and sends real-time notifications for accountability and transparency, making it one of the best Cash App alternatives. They’ve introduced a savings option, which shows they clearly understand their customer base.

Key features:

• Multi-Currency Accounts: You can manage and exchange 35 currencies with your N26 app

• Free Digital Bank Account: The N26 Standard account is free and allows users to manage their finances without monthly fees.

• Expense Management:

  • Budgeting Tools: You can track spending, set limits, and receive real-time notifications.

  • Subaccounts: You’re able to create up to 10 subaccounts for better budgeting and goal setting (available only with paid plans)?

• Premium Accounts: N26 offers several premium accounts, including:

  • N26 Smart (€4.90/month): Features tools for spending and saving. This includes sub-accounts and insights on spending

  • N26 You (€9.90/month): Designed for travel and everyday needs. It offers travel insurance and no foreign transaction fees

  • N26 Metal (€16.90/month): A premium account with additional perks, such as a metal card, cashback on purchases, and exclusive partner offers

• Investment Options: N26 lets you invest in stocks, ETFs, and cryptocurrencies directly through its app, with pretty competitive trading fees.

• Travel and Insurance Benefits:

  • Travel Insurance: This covers medical expenses, flight delays, and lost luggage. But you must have either the You or Metal plan

  • Mobile Phone Insurance: You get reimbursed for stolen phones when purchased with N26 You or Metal cards.

  • Lounge Access: You can access over 1,000 airport lounges worldwide with the Metal plan

• Real-Time Notifications and Budgeting Tools: The app provides push notifications for transactions and insights into your spending habits

• Security Features:

  • Biometric Authentication: You can secure account access with fingerprint or face recognition.

  • Card Control: If you lose your card, you can freeze and unfreeze it immediately, as well as disable online transactions directly through the app.

  • Deposit Protection: Your funds are insured up to €100,000

• Additional Services:

  • CASH26: You can deposit and withdraw cash at partner retail stores using a barcode that’s generated inside the app

  • Overdraft Facility: This is available for business accounts at a competitive interest rate.

  • Integration with Wise: Benefit from low-cost international transfers at the mid-market rate.

  • Cryptocurrency Trading: You’re able to trade almost 200 cryptocurrencies directly through the N26 app

• Customer Experience:

  • User-Friendly App: Highly rated for its intuitive design and real-time transaction notifications.

  • Customer Support: Access to support via live chat, with priority service for premium plans?

3. Wise - Neobank for international business

Founded in 2013, Wise (formerly TransferWise) is a neobanking solution headquartered in London. It’s a great option if you’re looking for a neobank tailored for international business. It is considered one of the top free virtual credit cards overall.

Able to deal in over 40 currencies, Wise provides you with the flexibility to operate across borders without having to deal with (most of) the headaches of currency conversion.

We should also mention that Wise integrates seamlessly with accounting software such as QuickBooks and Xero. This streamlines your financial management, so you don’t have to worry about financial administration.

Key features:

• Multi-Currency Accounts: Wise allows you to hold and manage over 40 currencies in a single account. This is great for travelers, expatriates, and businesses dealing in multiple currencies?

• Low-Cost International Transfers:

  • Transparent Fees: Wise uses the mid-market exchange rate with no hidden markups. You only pay a low, transparent fee that is clearly stated before confirming a transaction

  • Speed and Efficiency: Approximately 50% of transfers are instant, and 90% are completed within 24 hours?

• Wise Debit Card: This card allows you to spend in over 160 countries without additional transaction fees (assuming, of course, you have the local currency in your account). There are also two free ATM withdrawals per month. After that, a small fee applies

• Business Accounts: Wise business accounts support batch payments through CSV file uploads, making it easy to pay multiple recipients at once. The Wise API can automate payouts and integrate with popular accounting software like Xero, QuickBooks, and FreeAgent?

• Investing Features - Wise Assets: Users can choose to hold their money as stocks through the Wise Assets feature, while still being able to spend

• Security and Regulation: Wise is regulated by financial authorities in the countries it operates,

• Customer Support and User Experience: Wise offers multiple customer support channels, including live chat, phone support, and a detailed online help center. The app and website are user-friendly, which makes it easy to manage accounts and transactions?

• Interest: Wise offers a competitive 4.85% APY on USD balance for business savings. There is interest for some other currencies as well, though it’s not as substantial

4. Monzo - Catering to personal banking needs

If you were feeling philosophical, you could call Monzo the Yang to Wise’s Yin. Just like Wise, Monzo is headquartered in the UK, but unlike Wise, Monzo is mostly focused on personal banking needs.

Monzo offers various account types, quite a lot actually, including both free and premium options, each tailored to meet different user needs.

Despite some limitations in lending products, as well as a weird ￡400 daily withdrawal limit on all types of accounts, Monzo’s neat “Flex” feature offers a unique BNPL (Buy Now, Pay Later) option, which gives a lot of flexibility to you as a user.

Key features:

• Budgeting and Savings:

  • Savings Pots: Create separate pots for specific savings goals, which you can choose to lock or hide for disciplined saving

  • Salary Sorter: You can automatically allocate your salary into different categories like expenses, savings, and bills

  • Trends: This analytics feature that tracks spending patterns and provides insights into your financial habits

  • Round-Up Savings: Automatically rounds up transactions to the nearest pound and saves the spare change in a dedicated pot.

• Account Types and Benefits:

  • Current Account (free): ￡250 in monthly withdrawal are free (in EEA), after that there’s a 3% fee

  • Monzo Plus (￡5/Month): Monzo plus offers tools like credit tracking, auto-export transactions into Google Sheets, and overview of all bank accounts in the Monzo app. Monzo Plus is a golden standard for most users.

  • Monzo Premium (￡15/Month): This includes travel and phone insurance, higher interest on savings, and advanced budgeting tools.

  • Monzo for 16-17-year-olds (free) : As the name suggests, this is for older teenagers. It’s almost the same as the adult ones, with one key difference - Monzo restricts transactions it deems unsafe automatically

  • Monzo Lite (Free): A basic business account with basic features suitable for sole traders and contractors

  • Monzo Business Pro (￡5/Month): This account provides tools helpful for business, such as invoicing tools, digital receipts, budgeting tools, international outbound payments and integration with accounting software like Xero and QuickBooks

• Travel and Overseas Usage:

  • Fee-Free Spending Abroad: No extra fees on Mastercard’s exchange rate. This Is great for travelers

  • ATM Withdrawals: Free withdrawals up to ￡250 per 30 days (3% charge after) for the free account, ￡400 for Plus, and ￡600 for Premium users.

• Security and Usability:

  • Biometric Authentication: Secure access using fingerprint or face recognition.

  • Virtual Cards: Available for Plus and Premium users for safer online transactions.

  • Customer Support: It’s accessible through the app, with a 24/7 live chat option for urgent matters.

5. Chime - American fintech giant with over 50,000 fee-free ATMs

Our first American entry on this list, Chime, is a fintech company (technically not a bank) that has significantly affected the American online banking landscape since its inception in 2013. Headquartered in San Francisco, Chime partners with Bancorp Bank, N.A., and Stride Bank, N.A., both FDIC members, to provide banking services.

Chime’s focus on a user-friendly, fee-free banking experience has garnered it 13 million customers (as of 2023). It’s ideal for people who prefer banking entirely online, with no physical branch access required. They offer plenty of features that simplify personal banking, including early direct deposit, fee-free overdraft protection up to $200 with SpotMe?, and an extensive network of over 50,000 fee-free ATMs.

Bear in mind, you need to be a U.S. Citizen or legal resident of the United States who’s 18 years and older to use Chime.

Key features:

• Chime? Checking Account:

  • No Monthly Fees: There are no maintenance fees or minimum balance requirements

  • Early Direct Deposit: You can receive direct deposits up to two days early

  • SpotMe? Overdraft Protection: Chime offers a fee-free overdraft service called SpotMe, which allows eligible users to overdraw their accounts by up to $200 on debit card purchases without incurring overdraft fees, assuming they receive a qualifying direct deposit of at least $200 each month

  • Fee-Free ATMs: Access to over 50,000 fee-free ATMs nationwide

  • Pay Anyone: You’re able to send money instantly to friends and family without fees, up to a $5,000 monthly limit.

  • Mobile Check Deposit: Available if you receive direct deposits.

  • Security Features: You can disable transactions if your card is lost or stolen, you get free debit card replacement, and it’s compatible with Google Pay and Apple Pay.

• Chime? Savings Account:

  • Competitive APY: You earn 2.00% annual percentage yield (APY) with no cap on the amount of interest you can earn.

  • No Fees: There are no monthly fees or minimum balance requirements.

  • Automated Savings Tools:

    • Round Ups: It automatically rounds up debit card transactions to the nearest dollar and transfers the difference to your savings account.

    • Save When I Get Paid: It automatically transfers 10% of direct deposit paychecks of $500 or more into your savings account.

• Chime Credit Builder Visa? Credit Card:

  • Build Credit: This card could arguably be considered the best neobank credit card for those looking to improve their credit score without being burdened by fees

  • No Fees: No annual fee or minimum security deposit is required

  • Reporting to Credit Bureaus: Payments are reported to major credit bureaus to help improve your credit score.

• Customer Experience:

  • 24/7 Customer Support: Available through phone or live chat

  • Mobile App: The app is highly rated for both Android and iOS devices. It provides daily balance notifications, transaction alerts, and the ability to disable transactions directly through the app.

  • Cash Deposits: You can make cash deposits at over 85,000 retail locations, including Walgreens, Walmart, and 7-Eleven.

The bottom line

Revolut stands out as a leading neobank, backed by $1.7 billion in funding. It offers low fees and a wide range of global services, making it an excellent choice for users seeking international banking solutions. N26, a user-friendly German neobank, provides no-fee accounts with global reach and real-time notifications, ensuring a seamless banking experience for its customers.

Wise 對國際企業(yè)尤其有利，它提供可輕松與會計軟件集成的多幣種賬戶。這使得跨不同貨幣的財務管理變得簡單而高效。

在英國，Monzo 提供靈活的免費賬戶，滿足個人銀行業(yè)務需求，為用戶提供多功能銀行業(yè)務解決方案。在大西洋彼岸，總部位于美國的 Chime 在全國范圍內提供超過 50,000 臺免費 ATM，并且不收取維護費或最低余額要求，使其成為日常銀行業(yè)務的便捷且經濟實惠的選擇。

每家新型銀行都擁有獨特的優(yōu)勢，滿足現代銀行業(yè)的各種需求和偏好。

如果您想為您的加密資產帶來更多實用性，并實際上能夠使用數字資產進行日常購買，請務必查看我們提供的具有消費獎勵的最佳加密信用卡列表。

熱點：銀行