Neobanks available in North America
short answer127 of the 382 neobanks tracked here serve customers in North America. Availability, not headquarters: a neobank appears here if it serves customers in North America, wherever it is based. The largest by disclosed users are Cash App, Revolut, Chime, Wise and Phantom; all 127 are listed below with custody, license and geography.
Availability, not headquarters: a neobank appears here if it serves customers in North America, wherever it is based. Multi-region players are counted in every region they operate in, so these counts overlap by design.
All 127 neobanks in North America
| neobank | type | hq | custody | license / structure | reported users |
|---|---|---|---|---|---|
| Cash App | hybrid | Oakland, US | Custodial | Via Block's bank + BitLicense | 59M transacting actives (2025) |
| Revolut | hybrid | London, UK | Custodial | UK banking license (2024); EU license (Lithuania) | 50M customers (2025) |
| Chime | traditional | San Francisco, US | Custodial | Partner banks (The Bancorp, Stride) | 22M members (2024) |
| Wise | traditional | London, UK | Custodial | E-money/payment licenses globally | 19M customers (FY26) |
| Phantom | web3-native | San Francisco, US | Self-custodial | Self-custodial software | 15M MAU (2025) |
| Zengo | web3-native | Tel Aviv, IL | MPC self-custodial | MPC self-custody; no seed phrase | 2M users (2026) |
| 1inch Card | web3-native | Dubai, AE | Self-custodial | Self-custodial; card via Baanx/Crypto Life | — |
| Albert | traditional | Culver City, US | Custodial | Partner banks (Sutton Bank, Stride Bank; savings via Coastal Community Bank, Wells Fargo) | — |
| AllScale | web3-native | — | Custodial | Self-custodial stablecoin platform; not a bank; compliance and settlement via licensed partners | — |
| Ally Bank | traditional | Detroit, US | Custodial | National bank charter | — |
| Always.bank | traditional | Birmingham, US | Custodial | FDIC-insured national bank charter (22nd State Banking Company) | — |
| Avalanche Card | web3-native | — | Self-custodial | Self-custodial; issuer partners | — |
| Avici | web3-native | — | Self-custodial | Self-custodial software | — |
| BFinance | hybrid | Prague, CZ | Custodial | Czech VASP registration; Marqeta-issued cards | — |
| Binance Card | hybrid | — | Custodial | Jurisdiction-dependent VASP registrations | — |
| Bitget Card | hybrid | — | Custodial | Exchange VASP registrations (Lithuania, Bulgaria, Poland, Czechia); cards via issuer partners (DCS, Fiat24, Immersve) | — |
| Bitget Wallet | web3-native | — | Self-custodial | Self-custodial; cards via DCS (Asia), Immersve (EU/UK/LatAm), Fiat24 (CN virtual) | — |
| BitPay Card | hybrid | Atlanta, US | Custodial | BitLicense (NYDFS) + FinCEN MSB + 20+ state money-transmitter licenses | — |
| Bleap | web3-native | London, UK | MPC self-custodial | MPC self-custody; MC principal member | — |
| Bluevine | traditional | Redwood City, US | Custodial | Partner bank (Coastal Community Bank) + sweep-network program banks (up to $3M FDIC); credit line via Celtic Bank | — |
| Branch | traditional | Minneapolis, US | Custodial | Partner banks (Lead Bank; Evolve Bank & Trust); Mastercard debit for workforce payouts | — |
| Brex | traditional | San Francisco, US | Custodial | Partner banks | — |
| Brookwell | hybrid | New York, US | Custodial | Partner bank: Erebor Bank, N.A. (Member FDIC) | — |
| Bybit Card | hybrid | Dubai, AE | Custodial | VARA (Dubai) + regional | — |
| CEX.IO Card | hybrid | London, UK | Custodial | MSB (FinCEN) + US state money-transmitter licenses; UK FCA cryptoasset registration; EU VASP (Lithuania) | — |
| Chipper Cash | hybrid | San Francisco, US | Custodial | Licensed e-money/payments across Africa (CBN, BoG, BoU, BNR); 40+ US money-transmitter licenses; FCA EMI (UK) | — |
| COCA | hybrid | Dubai, AE | MPC self-custodial | MPC self-custody; e-money card partners (UK/EU) | — |
| Coinbase Card | hybrid | San Francisco, US | Custodial | US state licenses, MiCA; Public (COIN) | — |
| Comun | traditional | New York, US | Custodial | Partner bank (Community Federal Savings Bank); Visa debit; FDIC pass-through | — |
| Crypto.com | hybrid | Singapore, SG | Custodial | MiCA CASP, MAS MPI, US MSBs | — |
| Current | traditional | New York, US | Custodial | Partner banks (Choice, Cross River) | — |
| Cypher | web3-native | — | Self-custodial | Self-custodial; principal card programs | — |
| Daimo | web3-native | New York, US | Self-custodial | Open-source self-custodial software | — |
| Dakota | web3-native | New York, US | Self-custodial | Self-custodial software | — |
| Dave | traditional | Los Angeles, US | Custodial | Partner banks (Evolve Bank & Trust, moving to Coastal Community Bank: new customers onboard via Coastal and existing accounts migrate within 24 months, announced March 2025) | — |
| Deel | hybrid | San Francisco, US | Custodial | MSB + US state money-transmitter licenses (DPayments); US wallet via Alviere/CFSB; DLUSD via Bridge | — |
| DNERO | traditional | Irvine, US | Custodial | Partner bank: Zenus Bank International (Puerto Rico, OCFI-regulated) holds deposits and issues the Visa debit card; not FDIC-insured; program manager Connect Fintech | — |
| Dolafy | hybrid | Brazil, BR | Custodial | Partner bank: Lead Bank (issuer); Bridge, a Stripe company (program manager) | — |
| Eco (Beam) | web3-native | New York, US | Self-custodial | Self-custodial (Eco protocol) | — |
| EQ Bank | traditional | Toronto, CA | Custodial | Trade name of Equitable Bank, Schedule I chartered bank (OSFI, Canada); CDIC member | — |
| Ethena Pay | web3-native | Malta, MT | Self-custodial | Self-custodial wallet; Ethena Pay Ltd (Malta) is a software company, not a bank; secured Visa card issued by Third National (Puerto Rico) under a Rain-managed program | — |
| EtherFi Cash | web3-native | Miami, US | Self-custodial | DeFi protocol + issuer partners | — |
| Exa | web3-native | Buenos Aires, AR | Self-custodial | DeFi protocol (Exactly); card via partners | — |
| Exodus | web3-native | Omaha, US | Self-custodial | Self-custodial software | — |
| First Women's Bank | traditional | Chicago, US | Custodial | National bank charter | — |
| Flex | hybrid | San Francisco, US | Custodial | Partner banks (Column, Lead, Thread) | — |
| Fold | hybrid | Phoenix, US | Custodial | Partner bank (Sutton Bank) issues Fold Visa prepaid card; BTC via Fortress Trust, BitGo-insured custody | — |
| Found | traditional | San Francisco, US | Custodial | Partner bank (Lead Bank); FDIC pass-through up to $250k; formerly Piermont Bank | — |
| Gemini Credit Card | hybrid | New York, US | Custodial | NYDFS trust | — |
| GetPlu | hybrid | Delaware, US | Custodial | Card program on partner institutions (Crossmint rails); not a bank or custodian itself | — |
| GoHenry | traditional | New York/London | Custodial | Partner bank (Community Federal Savings Bank, US); UK cards via FCA-regulated e-money issuer | — |
| Grasshopper | traditional | New York, US | Custodial | National bank charter (de novo 2019) | — |
| Greenlight | traditional | Atlanta, US | Custodial | Partner bank (Community Federal) | — |
| Greenwood | traditional | Tulsa, US | Custodial | Partner bank (Coastal Community Bank); Mastercard debit; FDIC pass-through | — |
| Haventree Bank | traditional | Toronto, CA | Custodial | Schedule I Canadian bank (CDIC member) | — |
| Hyperbeat | web3-native | — | Self-custodial | Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra | — |
| Infini | web3-native | — | Self-custodial | Self-custodial software | — |
| Karat | traditional | Los Angeles, US | Custodial | Partner bank (Grasshopper Bank, N.A.); Karat Visa credit card issued by Cross River Bank | — |
| Karta | web3-native | Redwood City, US | MPC self-custodial | Self-custodial (MPC via Privy); Visa issued by Rain | — |
| KAST | hybrid | Hong Kong, HK | Custodial | Runs on licensed partners' rails: custody via BitGo/Fireblocks, Visa cards via licensed issuers; not a bank | — |
| KOHO | traditional | Toronto, CA | Custodial | Pursuing Schedule 1 bank license | — |
| Kolo | hybrid | — | Custodial | AIFC FinTech Lab license (Kazakhstan) + Polish VASP; cards issued by Banco Popular de Puerto Rico | — |
| Krak | hybrid | San Francisco, US | Custodial | US state licenses; MiCA (EU) | — |
| KuCard | hybrid | — | Custodial | Card issued by Wallester AS (Estonian payment institution); KuCoin EU holds Austrian MiCA CASP license | — |
| Lava | hybrid | New York, US | Custodial | Custodial (cold storage, distributed keys) since Sept 2025 | — |
| Lili | traditional | New York, US | Custodial | Partner bank (Sunrise Banks, N.A.); wires via Column Bank; formerly Choice Financial | — |
| Majority | traditional | Houston, US | Custodial | Partner bank (Axiom Bank, N.A.); Visa debit; credit card issued by WebBank | — |
| Marcus | traditional | New York, US | Custodial | Goldman Sachs Bank USA national bank charter (OCC); Member FDIC | — |
| Mela | traditional | Delaware, US | Custodial | US account via a BaaS partner bank (sponsor not publicly named); Mela Finance Inc. is a National Bank of Ethiopia licensed money transfer institution | — |
| 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 | — |
| MetaMask | web3-native | Consensys (global) | Self-custodial | Self-custodial software — no banking license needed; card via licensed issuer partners | — |
| MoCaFi | traditional | New York, US | Custodial | Partner bank (Sunrise Banks, N.A., Member FDIC) for accounts and Mastercard debit | — |
| Mogo | hybrid | Vancouver, CA | Custodial | Cards issued by Peoples Trust Company; MogoTrade is a CIRO-regulated broker (Canada) | — |
| MoneyLion | traditional | New York, US | Custodial | Partner banks | — |
| Moon | web3-native | — | Self-custodial | Self-custodial software | — |
| Morse | web3-native | London, UK | Self-custodial | MiCA-licensed (Avian Labs Netherlands B.V.) | — |
| Moto | web3-native | New York, US | Self-custodial | Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC | — |
| Neo Financial | traditional | Calgary, CA | Custodial | Partner banks (Peoples Bank of Canada, Concentra Bank); CDIC-insured deposits | — |
| Nexo | hybrid | Zug, CH | Custodial | EU VASP registrations; MiCA CASP application pending; EEA served via MiCA-licensed Tangany + DLT Finance | — |
| 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 | — |
| OKX Card | hybrid | — | Custodial | VARA, MiCA (Malta) | — |
| One | traditional | Sacramento, US | Custodial | Partner bank (Coastal Community) | — |
| Oobit | web3-native | Singapore, SG | Self-custodial | Self-custodial software | — |
| Panacea Financial | traditional | Little Rock, US | Custodial | Division of Primis Bank (NASDAQ: FRST) — operates under Primis's US bank charter; FDIC-insured | — |
| Payy | web3-native | New York, US | Self-custodial | Self-custodial ZK L2; card via issuer partners | — |
| Peanut | web3-native | Zug, CH | Self-custodial | Open-source protocol; no custody | — |
| Plasma One | web3-native | — | Self-custodial | Own L1; card via issuer partners | — |
| Purple | traditional | New York, US | Custodial | Partner bank (OMB Bank, Member FDIC); Mastercard debit issued by OMB Bank | — |
| Rainbow | web3-native | New York, US | Self-custodial | Self-custodial software | — |
| Ramp | traditional | New York, US | Custodial | Partner banks | — |
| Ready | web3-native | London, UK | Self-custodial | Self-custodial software; card via Kulipa (non-EEA cut Jun 2026; issuer wound down Jul 2026) | — |
| RedotPay | hybrid | Hong Kong, HK | Custodial | Hong Kong MSO, money lender + TCSP licenses; VASP (RedotX UAB, Lithuania FCIS); MSB registrations (US/Canada) | — |
| 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 | — |
| Rizon | web3-native | — | Self-custodial | Self-custodial software | — |
| Robinhood | hybrid | Menlo Park, US | Custodial | Broker-dealer + partner banks; state crypto licenses | — |
| SafePal | web3-native | Singapore, SG | Self-custodial | Self-custodial software | — |
| Slash | hybrid | San Francisco, US | Custodial | Partner bank (Column N.A., Member FDIC); previously Piermont Bank | — |
| Slush | web3-native | Palo Alto, US | Self-custodial | Self-custodial Sui wallet software | — |
| SoFi | traditional | San Francisco, US | Custodial | National bank charter (2022) | — |
| Solayer Emerald | web3-native | — | Self-custodial | Self-custodial; Visa principal program | — |
| Solflare | web3-native | Belgrade, RS | Self-custodial | Self-custodial software; card via Kulipa (issuer wound down Jul 2026; replacement expected Aug 2026) | — |
| Solid | web3-native | Gibraltar, GI | MPC self-custodial | Self-custodial Safe smart-accounts + MPC | — |
| Step | traditional | Palo Alto, US | Custodial | Partner bank (Evolve) | — |
| Strike | hybrid | Chicago, US | Custodial | Money transmitter licenses + NY BitLicense (NYDFS, 2026); Zap Solutions, Inc. | — |
| Superform | web3-native | — | Self-custodial | Self-custodial software | — |
| Takenos | hybrid | Buenos Aires, AR | Custodial | Fintech; stablecoin wallet on partner rails | — |
| Tangem | web3-native | Zug, CH | Self-custodial | Self-custodial; funds in a user-controlled smart contract (USDC on Polygon); card by Paera LLC, issued by Third National via Rain | — |
| Till Financial | traditional | Boston, US | Custodial | Partner bank (Coastal Community Bank); FDIC pass-through; Visa debit cards | — |
| Tria | web3-native | — | Self-custodial | Self-custodial software | — |
| True Link | traditional | San Francisco, US | Custodial | Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards | — |
| Trust Wallet | web3-native | — | Self-custodial | Self-custodial software | — |
| Uphold | hybrid | New York, US | Custodial | FinCEN MSB + state money-transmitter licenses (US); FCA-registered cryptoasset firm (UK) | — |
| UR | hybrid | — | Custodial | Swiss fintech banking license (Art. 1b Banking Act, FINMA; SR Saphirstein AG); tokenized deposits | — |
| Varo | traditional | San Francisco, US | Custodial | National bank charter (2020) | — |
| Veera | web3-native | Singapore, SG | Self-custodial | Self-custodial; passkey-secured non-exportable keys | — |
| Venmo | hybrid | New York, US | Custodial | PayPal's US state licenses (money transmitter, NMLS 910457); crypto via NYDFS trust company PayPal Digital | — |
| Wealthsimple | traditional | Toronto, CA | Custodial | Broker-led: CIRO-registered investment dealer (WSII); cash held at CDIC member banks | — |
| WeFi | web3-native | — | Self-custodial | Self-custodial software | — |
| Wirex | hybrid | London, UK | Custodial | E-money institution (FCA, FRN 902025); crypto via Wirex Digital Services VASP (OAM Italy) | — |
| Xapo Bank | hybrid | Gibraltar | Custodial | Gibraltar banking license | — |
| XPlace | hybrid | Dubai, AE | Custodial | Self-custodial (non-custodial Solana smart contracts); cards issued via Rain (Signify Holdings) under Visa license | — |
| xPortal | web3-native | Sibiu, RO | Self-custodial | Self-custodial software | — |
| Xverse | web3-native | London, UK | Self-custodial | Self-custodial software | — |
| Zolve | traditional | New York/Bengaluru | Custodial | Partner bank (Community Federal Savings Bank); deposits, debit and credit cards | — |
Common questions
Neobanks available in North America: how many are there?
127 of the 382 neobanks tracked here serve customers in North America. Every entry is verified active and listed on this page with its custody model, license detail and the regions it serves.
Which are the biggest neobanks in North America?
By self-reported users, Cash App, Revolut, Chime, Wise and Phantom. Only 6 of these 127 disclose a user figure, so treat any ranking by size as partial rather than complete.
What does this category actually mean?
Availability, not headquarters: a neobank appears here if it serves customers in North America, wherever it is based. Multi-region players are counted in every region they operate in, so these counts overlap by design.
Related
Neobanks available in Europe (146) · Neobanks available in Asia (134) · Neobanks available in Oceania (74) · Neobanks available in Latin America (116) · Neobanks available in Africa (94) · Neobanks available in MENA (87)
go deeperFilter these live in the interactive directory, browse every cut of the dataset, or take the raw fields from data.json.
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.