Neobanks for small businesses and startups
A niche neobank is not a general product with different branding — it is built around one group's actual constraints, which is why these 33 exist alongside the 381 others. Audience tags come from what each product says it is for, verified against its own site.
All 33 neobanks for small businesses and startups
| neobank | type | hq | custody | license / structure | reported users |
|---|---|---|---|---|---|
| Allica Bank | traditional | Milton Keynes, UK | Custodial | Full UK banking license (PRA/FCA authorised) | — |
| AllScale | web3-native | — | Custodial | Self-custodial stablecoin platform; not a bank; compliance and settlement via licensed partners | — |
| Always.bank | traditional | Birmingham, US | Custodial | FDIC-insured national bank charter (22nd State Banking Company) | — |
| AMP Bank GO | traditional | Sydney, AU | Custodial | Australian ADI (AMP Bank Limited) | — |
| ANEXT Bank | traditional | Singapore, SG | Custodial | Digital wholesale bank (MAS) | — |
| ANNA Money | traditional | Cardiff, UK | Custodial | E-money | — |
| Aspire | traditional | Singapore, SG | Custodial | MPI (MAS) | — |
| Bluevine | traditional | Redwood City, US | Custodial | Partner bank (Coastal Community Bank) + sweep-network program banks (up to $3M FDIC); credit line via Celtic Bank | — |
| Brex | traditional | San Francisco, US | Custodial | Partner banks | — |
| Cora | traditional | São Paulo, BR | Custodial | SCFI license (Central Bank of Brazil, Jul 2024) + payment institution; formerly SCD | — |
| Dakota | web3-native | New York, US | Self-custodial | Self-custodial software | — |
| Dolafy | hybrid | Brazil, BR | Custodial | Partner bank: Lead Bank (issuer); Bridge, a Stripe company (program manager) | — |
| Finom | traditional | Amsterdam, NL | Custodial | E-money institution (FINOM Payments B.V., DNB Netherlands); EU/EEA passporting | — |
| Flex | hybrid | San Francisco, US | Custodial | Partner banks (Column, Lead, Thread) | — |
| Fyrst | traditional | Bonn, DE | Custodial | Brand of Deutsche Bank AG — full German banking license (ECB/BaFin); Postbank rails | — |
| Grasshopper | traditional | New York, US | Custodial | National bank charter (de novo 2019) | — |
| Judo Bank | traditional | Melbourne, AU | Custodial | ADI license | — |
| Meow | hybrid | New York, US | Custodial | Partner banks (Grasshopper Bank, Cross River Bank); fintech, not a bank; FDIC via partners | — |
| Mercury | traditional | San Francisco, US | Custodial | Partner banks (Choice, Column); previously Evolve Bank & Trust, left 2024 | — |
| Moniepoint | traditional | Lagos, NG | Custodial | MFB + switching licenses (NG) | — |
| MYbank | traditional | Hangzhou, CN | Custodial | Private bank license (CN) | — |
| NorthOne | traditional | New York, US | Custodial | Partner bank (The Bancorp Bank, N.A.); Mastercard business debit | — |
| Novo | traditional | Miami, US | Custodial | Partner bank (Middlesex Federal Savings, F.A.); Mastercard debit; credit card via Continental Bank | — |
| OakNorth | traditional | London, UK | Custodial | Full UK banking license (PRA/FCA, 2015) | — |
| Open | traditional | Bengaluru, IN | Custodial | Partner banks (ICICI, Axis, Yes Bank +); RBI-licensed payment aggregator | — |
| Qonto | traditional | Paris, FR | Custodial | Payment institution (ACPR); pursuing credit license | — |
| Ramp | traditional | New York, US | Custodial | Partner banks | — |
| RazorpayX | traditional | Bengaluru, IN | Custodial | Partner banks (RBL, ICICI, Yes, Axis, IDFC First); Razorpay holds RBI payment aggregator license | — |
| Relay | traditional | Toronto/US | Custodial | Partner bank (Thread Bank, Member FDIC); previously Evolve Bank & Trust | — |
| Rho | traditional | New York, US | Custodial | Partner bank (Webster Bank, N.A.); savings swept across 400+ FDIC banks via ADM | — |
| Slash | hybrid | San Francisco, US | Custodial | Partner bank (Column N.A., Member FDIC); previously Piermont Bank | — |
| Tide | traditional | London, UK | Custodial | E-money; deposits via ClearBank | — |
| Zempler Bank | traditional | London, UK | Custodial | Full UK banking license (PRA/FCA, Feb 2021, ex-Cashplus); FSCS-protected | — |
Common questions
Neobanks for small businesses and startups: how many are there?
33 of the 382 neobanks tracked here are for small businesses and startups. Every entry is verified active and listed on this page with its custody model, license detail and the regions it serves.
Which neobanks for small businesses and startups are the largest?
Not answerable from public data: only 0 of these 33 disclose a user figure at all. The list below is therefore not a ranking, and anyone presenting one for this category is guessing.
What does this category actually mean?
A niche neobank is not a general product with different branding — it is built around one group's actual constraints, which is why these 33 exist alongside the 381 others. Audience tags come from what each product says it is for, verified against its own site.
Related
Neobanks for gen z and students (8) · Neobanks for kids and family (6) · Neobanks for freelancers and creators (15) · Neobanks for immigrants and migrants (12) · Neobanks built for the underbanked (24) · Faith-based and Islamic neobanks (7) · Neobanks for travel and digital nomads (10)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.