Revolut

Wise

Wise (formerly TransferWise) is an international money transfer and multi-currency account service that lets individuals and businesses send money abroad using the real mid-market exchange rate. Instead of hiding costs in the exchange rate like many banks, Wise charges a transparent fee starting from around 0.24% that is shown upfront before you send. The Wise account lets users hold and convert balances across 40+ currencies, receive local bank details in multiple countries, and spend internationally with the Wise debit card at no subscription cost. It serves individuals, freelancers, expats, and businesses handling cross-border payments and is regulated in multiple jurisdictions worldwide.

Qonto

Qonto is a French fintech offering business bank accounts combined with invoicing, expense management, and bookkeeping tools for freelancers, small businesses, and SMEs across Europe. It is regulated by the ACPR and is backed by established banking partners rather than operating as a standalone bank. Beyond the core account, Qonto includes SEPA transfers, virtual and physical cards, compliant e-invoicing, and credit options like pay-later and overdraft. Plans are tiered by company size, from self-employed individuals up to larger business teams, with thousands of third-party integrations available.

Chime

Chime is a financial technology company that offers digital banking services through partner banks, including fee-free checking, high-yield savings, and a debit card, all managed through a mobile app. It targets consumers who want to avoid traditional bank fees and minimum balance requirements. Beyond basic checking and savings, Chime offers features like early access to direct deposit, fee-free overdraft protection up to a set limit, and credit-building tools that do not require a credit check. Optional paid membership tiers unlock higher cash-back rates and savings yields for qualifying users.