Lili vs Trust Bank.
Lili (L73/100) and Trust Bank (T52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Lili leads Trust Bank 5-1.
| L Lili №26 · FDIC 73 /100 | T Trust Bank №67 · MAS 52 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 73 /100 | 52 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Payment inst. MAS |
| Deposit guarantee Per depositor | $250,000 US.FDIC | Safeguarded SG.SDIC |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | No |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 1k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.7 ★ iOS 4.7 · And 4.6 |
| Read review → | Read review → | |
Pick Lili if…
The 1099-native US neobank — Tax Bucket auto-set-aside, pre-filled Schedule C / 1065 / 1120-S, and a quarterly tax estimator built into business checking. Where Mercury targets venture-funded startups and Bluevine targets lower-mid-market SMBs, Lili targets the solopreneur and 1099 freelancer who needs banking + bookkeeping + tax in one app. Sponsor bank moved from Choice Financial Group to Sunrise Banks, N.A. in 2024-2025; FDIC pass-through to $3M via sweep network now available on all tiers including the free Core plan.
Pick Trust Bank if…
Singapore's third Digital Full Bank under MAS — Standard Chartered + FairPrice (NTUC) JV. SDIC cover via the DFB licence. FairPrice grocery-spending integration is unique to its parents. ~800K SG customers in first year.
- Best for fees Lili won 1 of 4
- Best for protection Lili won 2 of 2
- Best for reach Tied
- Best for ux Tied
Lili vs Trust Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lili better than Trust Bank?
Under our v3 methodology, Lili leads Trust Bank 5–1 across 12 dimensions. Composite scores: Lili 73/100 vs Trust Bank 52/100. Lili is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Lili or Trust Bank cheaper?
Monthly fee — Lili: €0; Trust Bank: €0. Card FX markup — Lili: Interbank; Trust Bank: 1.00%. Lili wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Lili or Trust Bank?
Lili holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Trust Bank holds a Payment inst. licence under MAS; deposit guarantee per depositor: Safeguarded. Lili is the stronger pick on regulatory protection.
Where can I use Lili and Trust Bank?
Lili operates in 1 country; Trust Bank operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.