Chime, Monzo, and Varo Bank are just a few of the many mobile-based business bank accounts available today. These accounts offer a variety of features and benefits that can help you manage your finances more easily and efficiently.
| App | Logo | Available On | Reviews | Downloads | Features |
|---|---|---|---|---|---|
| 1. Chime |  | Android, iOS | 4.8/5 | 25M+ | Overdraft up to $200, No monthly fees, Get paid early |
| 2. Monzo |  | Android, iOS | 4.7/5 | 8M+ | Instant spending notifications, Easy budgeting tools |
| 3. Varo Bank |  | Android, iOS | 4.9/5 | 5M+ | No monthly fees, Get paid up to 2 days early, Instantly send/receive money with Zelle |
| 4. Revolut Business |  | Android, iOS | 4.8/5 | 962K+ | Multi-currency accounts, Virtual and physical cards |
| 5. Lili |  | Android, iOS | 4.6/5 | 746K+ | Business banking, Smart bookkeeping, Tax preparation tools |
| 6. Found |  | Android, iOS | 4.6/5 | 589K+ | Free business checking, Smart bookkeeping, Tax savings tools |
| 7. Kuda Business Banking App |  | Android, iOS | 4.5/5 | 315K+ | Bulk transfers, Automated payroll, POS payments |
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1. Chime
No monthly fees, Overdraft up to $200*, Early payday with direct deposit
Cost: Chime Basic Account (Free), There are no paid packages for Chime (N/A)
Chime, the leading mobile banking app, offers a seamless and budget-friendly business banking experience. With its zero monthly fees, fee-free overdrafts, and early payday feature, Chime empowers businesses to manage their finances effortlessly. Its intuitive interface and robust security measures ensure a user-friendly and secure banking experience.
Despite a recent design update that has drawn mixed reactions, Chime continues to garner praise for its exceptional customer service and innovative features. The Spot Me feature, which provides instant overdraft protection, has proven to be a lifesaver for many businesses. Additionally, the automatic savings feature encourages financial discipline and helps businesses build a solid financial foundation.
Download:
Application information:
| Downloads | Over 10 million |
| Features | Mobile banking app offering fee-free checking and savings accounts, early direct deposit, automatic savings, and a Visa debit card. |
| Pros | No monthly fees, early payday, automatic savings tools. |
| Cons | Limited features compared to traditional banks, potential for account issues due to being an online-only platform. |
- Tags:
- Overdraft up to $200 fee-free
- Get paid up to 2 days early
- No monthly fees‡
✨ Read more: app for business management
2. Monzo
Real-time spending notifications, Automatic expense categorization
Cost: Monzo Free (Free), Monzo Premium (£15.00 per month)
Introducing Monzo, the app-based business bank account that's revolutionizing the way you manage your finances. Monzo understands that simplicity is key, which is why their app is designed to be user-friendly and efficient. No more unnecessary clutter or confusing buttons – just one simple tap to perform any function.
Monzo's dedication to innovation is evident in its cutting-edge features. You can easily track your spending, set up separate savings pots, and view upcoming transfers all in one place. Plus, with their competitive exchange rates and hassle-free international transfers, Monzo makes it easy to manage your finances on the go.
Download:
Application information:
| Downloads | Over 8 million |
| Features | Budgeting and financial management tools, instant spending notifications, fee-free spending abroad, joint accounts, and savings pots. |
| Pros | User-friendly, innovative features, excellent customer service. |
| Cons | Limited physical branch access, some features require paid subscriptions, occasional technical issues. |
- Tags:
- Real-time notifications
- Smart budgeting tools
- Easy Money Management
✨ Read more: app for business loan
3. Varo Bank
No monthly fees, Get paid up to 2 days early, 40,000+ fee-free ATMs
Cost: Varo Bank Account (Free), Varo Believe Secured Credit Card (Free)
Varo Bank offers a seamless and innovative mobile banking experience for businesses. Its user-friendly interface provides easy access to checking, savings, and lending options, empowering entrepreneurs to manage their finances with ease. Despite minor technical hiccups with biometric login, Varo's exceptional customer service and speedy transfers have earned praise from users who appreciate the convenience and efficiency it brings to their banking needs.
With Varo's secured credit card program, businesses can build their credit while enjoying low fees and hassle-free usage. Its advanced fraud protection measures ensure secure transactions, while the lack of live customer service beyond 4 pm EST can be a drawback in urgent situations. However, Varo's overall performance and commitment to customer satisfaction make it a compelling choice for businesses seeking a reliable and tech-savvy banking partner.
Download:
Application information:
| Downloads | Over 5 million |
| Features | No-fee checking, savings accounts with high-yield interest, early direct deposit, cash back rewards, credit-building tools, and money management features. |
| Pros | No monthly fees, early payday, high-yield savings, user-friendly app. |
| Cons | Limited customer support options, requires consistent direct deposits for some benefits, no joint accounts. |
- Tags:
- No monthly fees‡
- Early direct deposit
- Credit builder
✨ Read more: app for balance sheet
4. Revolut Business
Multi-currency accounts, Virtual and physical cards, Spend management tools
Cost: Free (Free), Professional (£25.00 per month)
Revolut Business, a mobile-based business bank account, is designed to make financial management effortless for entrepreneurs and small business owners. With its user-friendly interface and comprehensive features, Revolut Business simplifies banking tasks, allowing you to focus on growing your business.
While the app offers a seamless experience most of the time, there are occasional glitches and interruptions. However, the app's exceptional exchange rates and convenient features make it a worthwhile choice for businesses seeking a digital banking solution. Additionally, Revolut Business provides robust security measures to protect your financial data, giving you peace of mind while managing your business finances on the go.
Download:
Application information:
| Downloads | Over 500,000 |
| Features | Multi-currency accounts, local and international payments, expense management, virtual cards, open API integration, and more. |
| Pros | Cost-effective, user-friendly, feature-rich, and great for international business. |
| Cons | Limited customer support options, potential for unexpected fees, and not ideal for large enterprises. |
- Tags:
- Multi-currency accounts
- Simplified spend management
- Team collaboration tools
✨ Read more: app for accepting credit card payments
5. Lili
Fee-free overdraft, 4.15% APY savings account, Unlimited invoices and payments
Cost: Lili Basic (Free), Lili Pro ($9/month)
Introducing Lili, the revolutionary mobile business bank account that empowers entrepreneurs with a seamless and comprehensive financial management experience. Its intuitive app interface and user-friendly design make it a breeze to navigate, eliminating the frustrations often associated with traditional banking. Whether you're tracking expenses, managing cash flow, or filing taxes, Lili has you covered.
While the app shines in its functionality, it's the customer-centric approach that truly sets Lili apart. Despite the occasional hiccup in transfer times, Lili acknowledges and addresses feedback with a commitment to continuous improvement. The app's innovative features, such as the balance-boosting feature and life/work account separation, cater to the unique needs of business owners. And with a focus on expanding ATM availability and minimizing fees, Lili demonstrates a genuine understanding of the challenges entrepreneurs face.
Download:
Application information:
| Downloads | Over 500,000 downloads |
| Features | Lili is a mobile banking app specifically designed for freelancers, independent contractors, and self-employed individuals, offering features like expense tracking, invoicing, tax tools, and a no-fee checking account. |
| Pros | Easy to use, affordable, designed for freelancers. |
| Cons | Limited customer service options, potential issues with transaction holds, not suitable for large businesses. |
- Tags:
- Business Banking
- Smart Bookkeeping
- Tax Tools
✨ Read more: app based credit card
6. Found
Free business checking, Smart bookkeeping, Tax savings tools
Cost: Found for Free (Free), Found Pro ($19.99 per month)
Found is the app-based business bank account that finally meets the needs of the self-employed. After trying and rejecting several other options, a user found Found to be the perfect solution. It offers tax savings, tax payments, expense/deduction optimization, no-fee business banking, and a very easy, quick onboarding experience.
Found's mobile app is user-friendly and efficient, and it recently added the ability to manage your account from a desktop computer as well. The app automatically categorizes expenses as you go, making it easy to track your spending and prepare for taxes. You can also connect your personal bank account and payment portals like PayPal for easy funding and payments. With its great customer service and ongoing improvements, Found is the perfect app-based business bank account for one-man-band businesses like yours.
Download:
Application information:
| Downloads | Over 500,000 |
| Features | Found provides banking, bookkeeping, taxes, and invoicing tools specifically designed for freelancers and self-employed individuals. |
| Pros | User-friendly interface, comprehensive financial management, excellent customer support. |
| Cons | Limited integrations with other platforms, some features are still under development, only available in the US. |
- Tags:
- Free business checking
- Smart bookkeeping tools
- Automatic tax savings
7. Kuda Business Banking App
Bulk transfers, Automated payroll, Physical POS terminal
Cost: Free Plan (Free), Premium Plan (Contact Kuda for pricing)
Introducing Kuda Business Banking App, the all-in-one business manager that empowers you to do business better. Manage your finances seamlessly with a user-friendly interface and a suite of features tailored specifically for businesses. Join the thousands of businesses who trust Kuda to simplify their banking and unlock growth potential.
Despite occasional technical difficulties, users attest to the app's overall functionality and appreciate its ease of use. While some users have encountered login issues, the developers are actively working to resolve these and enhance the overall user experience. With a focus on customer feedback, Kuda is committed to providing a reliable and innovative business banking solution.
Download:
Application information:
| Downloads | Over 1 million downloads |
| Features | Provides business account opening, money transfers, bill payments, expense tracking, budgeting tools, and financial insights. |
| Pros | Easy-to-use, feature-rich, and excellent customer support. |
| Cons | Limited availability outside of Nigeria and a few other African countries, occasional technical glitches reported by users. |
- Tags:
- Easy invoicing
- Bulk transfers
- Automated payroll
8. Novo
Free checking account, Easy online application, No monthly fees
Cost: Novo Starter (Free), Novo Pro ($10/month)
Introducing Novo, the revolutionary business banking app that streamlines your finances and empowers your business. With its user-friendly interface and intuitive features, Novo makes banking a breeze. Say goodbye to the hassle of traditional banking and embrace the convenience of a truly mobile-first experience.
Novo's innovative features cater specifically to the needs of small businesses. Its seamless check deposit system, coupled with its generous ATM fee reimbursements, ensures that your cash flow is always within reach. And with its partnerships with popular services, Novo offers exclusive discounts and benefits that help you save money and grow your business.
Download:
Application information:
| Downloads | Over 200,000 |
| Features | Novo offers free business checking, debit cards, mobile check deposits, expense tracking, invoicing, and integrations with popular platforms like Shopify, Stripe, and Square. |
| Pros | Easy to use, feature-rich, great customer support, and integrates seamlessly with other business tools. |
| Cons | Limited physical branch access, no interest-bearing accounts currently available, and some users report occasional technical issues. |
- Tags:
- Online business banking
- Free business tools
- No monthly fees‡
9. North One
No branch visits, Virtual debit card, ACH payments
Cost: Monthly Fee ($19 per month), No Minimum Balance (Free)
Say hello to North One, the revolutionary banking app designed specifically for small businesses and entrepreneurs. Experience the future of business banking with an account tailored to your unique needs and aspirations. With North One, you can seamlessly manage your finances anytime, anywhere, all from the convenience of your mobile device.
Join the growing number of satisfied users who have switched to North One and witnessed a remarkable transformation in their banking experience. Enjoy hassle-free account setup, user-friendly features, and exceptional customer support that goes above and beyond to ensure your satisfaction. Whether you're just starting out or looking to streamline your finances, North One has got you covered. Download the app today and experience the next-level business banking solution that's empowering countless entrepreneurs to thrive.
Download:
Application information:
| Downloads | 100,000+ |
| Features | North One is a business banking app that offers checking accounts, debit cards, expense tracking, mobile check deposits, and integrations with popular accounting software. |
| Pros | Easy to use, great customer service, affordable. |
| Cons | Limited account features compared to traditional banks, not available in all US states. |
- Tags:
- Free business banking
- Virtual & physical debit cards
- Business loans & lines of credit
10. Amex Business Blueprint™
Cash flow insights, Expense tracking, Account aggregation
Cost: Amex Business Blueprint™ Free Plan (Free), Amex Business Blueprint™ Premium Plan (Contact Amex for pricing)
Introducing Amex Business Blueprint™, the app-based business bank account designed to help small businesses thrive. With its flexible funding options and cash flow management tools, you'll have the support you need to navigate the challenges of running a business.
The Amex Business Blueprint™ app is highly intuitive and easy to use, making it a breeze to manage your finances on the go. You can apply for loans seamlessly, monitor cash flow, and track expenses all in one place. Despite some initial hiccups, the team at Amex is dedicated to resolving any issues promptly and providing exceptional customer support. Get ready to experience the convenience and control that Amex Business Blueprint™ offers and take your business to new heights.
Download:
Application information:
| Downloads | Over 150,000 downloads |
| Features | Offers cash flow management tools, payment options, and access to funding solutions, including lines of credit and vendor financing. |
| Pros | Convenient access to funding, streamlines business finances, user-friendly interface. |
| Cons | Limited to American Express business cardholders, potential for high interest rates and fees, may require sharing sensitive financial data. |
11. Bluevine
High-yield interest, No monthly fees, Multiple sub-accounts
Cost: Bluevine Business Checking (Free), Bluevine Line of Credit (Paid (variable rates and terms))
Bluevine is a mobile business banking app that is designed to make banking easier for small businesses. With Bluevine, you can open a business checking account, deposit checks, transfer money, and pay bills, all from your phone. The app is easy to use and has a great customer support team that is available to help you with any questions you may have.
One of the things that makes Bluevine stand out from other business banking apps is its focus on customer service. The app's support team is available 24/7 to help you with any issues you may encounter. They are also very responsive and helpful, which is a big plus for small businesses that need to be able to get help quickly.
Download:
Application information:
| Downloads | Over 100,000 downloads |
| Features | Provides business checking accounts with high-yield interest rates, payment processing, and access to lines of credit and invoice factoring. |
| Pros | Easy application process, high interest rates, user-friendly interface. |
| Cons | Limited customer support options, eligibility requirements for some financial products, potential for fees with certain transactions. |
- Tags:
- High-yield interest
- No monthly fees‡
- Multiple sub-accounts
12. Netspend Small Business
Separate business expenses, Simplify taxes, Accept payments on the go
Cost: Free Plan (Free), Monthly Fee Plan ($9.95 per month)
Netspend Small Business is your perfect business companion, offering a comprehensive array of services tailored to meet the unique needs of small businesses. With Netspend Small Business, you can easily manage your finances, accept payments, and track expenses, all through a user-friendly mobile app.
As a mobile-first business bank account, Netspend Small Business gives you the flexibility to manage your finances on the go. From accepting mobile check deposits to tracking your expenses, everything you need is at your fingertips. Plus, with features like real-time transaction alerts and the ability to set up automatic payments, you can stay on top of your finances effortlessly.
Download:
Application information:
| Downloads | Over 100,000 downloads |
| Features | Manage business expenses, track spending, deposit checks, pay bills, and withdraw cash at ATMs. |
| Pros | Convenient, easy-to-use, and offers some business-specific features. |
| Cons | Limited functionality compared to traditional business bank accounts, and fees can be high. |
13. Finom • Business Account
Open banking account in 5 minutes, Connect other banks in one place
Cost: Free (Free), Solo (€7 per month)
Introducing Finom • Business Account, the mobile app-based bank account that's revolutionizing financial management for entrepreneurs. With its intuitive dashboard design inspired by tools like Jira, Finom empowers you to organize your finances seamlessly, with customizable widgets that put the information you need at your fingertips.
Finom's user-centric approach extends to its menus and help system, ensuring that every aspect of the app is designed for your convenience. As a self-employed professional in Germany, you'll appreciate the account's exceptional smoothness and the stellar support from the Finom team. With Finom • Business Account, managing your finances becomes effortless, freeing you to focus on growing your business.
Download:
Application information:
| Downloads | Over 100,000 downloads |
| Features | Offers business accounts with local IBANs, physical and virtual cards, accounting integrations, expense management, and invoicing tools. |
| Pros | User-friendly interface, convenient features, competitive pricing. |
| Cons | Limited availability in certain countries, some users report issues with customer service. |
- Tags:
- Fast account opening
- All banks in one place
- Easy invoicing
14. Small Business Bank Mobile
Mobile check deposit, Real-time balance updates, Manage multiple accounts
Cost: Small Business Checking (Free), Business Growth Bundle ($10.00 per month)
Introducing Small Business Bank Mobile, the ultimate app-based business bank account designed to empower small and microbusinesses. With its intuitive interface and robust features, this app streamlines financial management, allowing you to bank conveniently from anywhere, anytime.
Whether you're experiencing difficulties with login, seeking professional guidance, or simply want to explore its capabilities, Small Business Bank Mobile is committed to providing exceptional support. Its dedicated customer service team is readily available through the app's convenient chat feature, ensuring that your banking needs are met swiftly and efficiently.
Download:
Application information:
| Downloads | 36,000+ |
| Features | Provides account management, mobile check deposit, bill pay, transfers, and customer support access. |
| Pros | User-friendly interface with convenient banking features. |
| Cons | Limited functionality compared to larger banks' apps, occasional technical issues reported. |
- Tags:
- Secure Mobile Banking
- Easy to sign up
- Quick and easy registration
15. Business Mobile Banking App
Real-time account access, Approve Dual Control, Deposit checks
Cost: Business Mobile Banking App (Free)
Introducing Business Mobile Banking App, your mobile-first business banking solution. With Business Mobile Banking App, you can easily manage your business finances from anywhere, at any time. The app's user-friendly interface makes it a breeze to navigate, and you can access all of your accounts in one convenient location.
Business Mobile Banking App is designed to make your life easier. With biometric login, you can quickly and securely access your account without having to remember your password. And if you need to find a specific transaction, the app's intuitive search機能 makes it easy to track down what you're looking for. So why wait? Download Business Mobile Banking App today and experience the convenience of mobile banking for yourself!
Download:
Application information:
| Downloads | Over 1K |
| Features | Provides users with access to their business accounts 24/7, enabling them to monitor transactions, transfer funds, pay bills, deposit checks, and manage their finances conveniently. |
| Pros | Convenient, secure, and offers a wide range of features. |
| Cons | Limited functionality compared to desktop version, potential for security risks if device is compromised, and may require a stable internet connection. |
- Tags:
- Real-time account access
- Secure Mobile Banking
- Easy bill pay