Bank Zero alternatives
short answerThe closest alternatives to Bank Zero are Phantom, OPay and Discovery Bank. All are neobanks operating in Africa, comparable to Bank Zero on custody, licence, cards, fees and FX — compared field by field below. No affiliate links.
The 8 closest alternatives
| neobank | type | hq | reported users | compare |
|---|---|---|---|---|
| Phantom | web3-native | San Francisco, US | 15M MAU (2025) | directory → |
| OPay | traditional | Lagos, NG | 60M users (2024) | directory → |
| Discovery Bank | traditional | Johannesburg, ZA | — | directory → |
| Kuda | traditional | Lagos, NG | — | directory → |
| FairMoney | traditional | Lagos, NG | — | directory → |
| Carbon | traditional | Lagos, NG | — | directory → |
| ALAT by Wema | traditional | Lagos, NG | — | directory → |
| Sparkle | traditional | Lagos, NG | — | directory → |
go deeperBack to the Bank Zero profile, ask who owns Bank Zero?, or filter your own shortlist in the directory.
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.