🇺🇸 Americas Neobanks
US, Canada, and Latin America\u2019s leading AI-powered digital banks.
BEST US NEOBANK
FREEChime
United States · Est. 2012
America’s largest neobank. Zero fees, early paycheck access, and AI-powered automatic savings.
Users22M+
Monthly Fee$0
FX FeeN/A (domestic only)
Savings2.00% APY
CryptoNo
AI Features
AI savings automation (round-ups)Smart deposit detectionPredictive balance alerts
BEST US ALL-IN-ONE
FREESoFi
United States · Est. 2011
All-in-one fintech covering banking, investing, lending, and insurance. Best savings rate among US neobanks.
Users8M+
Monthly Fee$0
FX FeeN/A
Savings4.00% APY
CryptoYes
AI Features
AI financial planningSmart investing recommendationsStudent loan refinance optimizer
LARGEST NEOBANK
FREENubank
Brazil · Est. 2013
World’s largest digital bank by customers. 100M+ users in Brazil, Mexico, Colombia with AI-first approach.
Users100M+
Monthly FeeR$0
FX FeeIOF tax + spread
Savings100% CDI (~13%)
CryptoYes
AI Features
AI credit scoringPredictive spending categorizationSmart savings goals
BEST CANADA
FREEWealthsimple
Canada · Est. 2014
Canada’s leading fintech. Commission-free trading, robo-advising, crypto, and a 4% cash account.
Users3M+
Monthly FeeC$0
FX Fee1.5% (stocks)
Savings4.00% (Cash)
CryptoYes
AI Features
AI portfolio rebalancingTax-loss harvesting AISmart savings automation