2024 年 5 家最佳新银行

我们列出了 2024 年 5 家最佳

技术驱动的效率

。

坦率地说，在现代世界，每个人都应该进一步探索这些新银行，并重新考虑将钱存入何处。

主要亮点：

1. Revolut——

   一家拥有无与伦比便利性的英国巨头

2. N26

   - 免费账户，用户体验极佳

3. Wise

   - 面向国际业务的新银行

4. Monzo——

   满足个人银行业务需求

5. Chime

   - 美国金融科技巨头，拥有超过 50,000 台免费 ATM

5 家最佳新银行：探索 2024 年顶级数字银行平台

在以下部分中，我们将研究目前可用的最佳新银行并探讨其主要特征。

1. Revolut——一家拥有无与伦比便利性的英国巨头

虽然您可能知道 Revolut 是一家以低费用和全球服务而闻名的知名新银行，但真正引人注目的是其显著的市场增长和对传统银行业造成的颠覆。Revolut 成立于 2015 年，总部位于英国伦敦，由立陶宛银行授权，2023 年的收入高达 18 亿英镑（23.3 亿美元）。

Revolut 在我们的榜单上名列第一。其消费者友好型方法吸引了广泛的用户群，包括加密货币用户。事实上，Revolut 可能是加密货币用户最好的银行之一。我们已经提到了低费用，但它也提供了便利，并能够节省资产并赚取 APY。

主要特征：

• 多币种账户

  ：您可以按照银行间汇率管理和兑换 30 多种货币

• 储蓄和预算

  ：

  • 储蓄金库

    ：在您的账户中创建专用空间，用于实现特定目标的储蓄，并通过付费计划赚取 APY

  • 预算工具

    ：跟踪支出、制定预算并通过详细分析深入了解你的财务习惯

• 投资和交易

  ：

  • 股票和 ETF 投资

    ：购买零股并投资各种股票和 ETF

  • 加密货币和商品

    ：直接在应用程序内交易加密货币和黄金、白银等商品

• 付款和转账功能

  ：

  • 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 对国际企业尤其有利，它提供可轻松与会计软件集成的多币种账户。这使得跨不同货币的财务管理变得简单而高效。

在英国，Monzo 提供灵活的免费账户，满足个人银行业务需求，为用户提供多功能银行业务解决方案。在大西洋彼岸，总部位于美国的 Chime 在全国范围内提供超过 50,000 台免费 ATM，并且不收取维护费或最低余额要求，使其成为日常银行业务的便捷且经济实惠的选择。

每家新型银行都拥有独特的优势，满足现代银行业的各种需求和偏好。

如果您想为您的加密资产带来更多实用性，并实际上能够使用数字资产进行日常购买，请务必查看我们提供的具有消费奖励的最佳加密信用卡列表。

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