Lili vs Cora.
Lili (L73/100) and Cora (C51/100), 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 Cora 6-0.
| C Cora №71 · BACEN 51 /100 | L Lili №26 · FDIC 73 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 51 /100 | 73 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded BR.FGC | $250,000 US.FDIC |
| 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 | 4.5 ★ iOS 4.6 · And 4.5 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Cora if…
Brazilian SMB neobank with the strongest working-capital credit-line product among BACEN payment institutions. Cora Crédito underwrites loans on bank-statement signal — same model as Mercado Crédito but without the marketplace-flow dependency. Free Conta PJ keeps customer-acquisition friction low; credit-line draws generate the revenue. Backed by ~$230M from Tiger Global, Greenoaks Capital, others. ~300K BR business accounts.
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.
- Best for fees Lili won 1 of 4
- Best for protection Lili won 2 of 2
- Best for reach Tied
- Best for ux Lili won 2 of 2
Lili vs Cora — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cora better than Lili?
Under our v3 methodology, Lili leads Cora 6–0 across 12 dimensions. Composite scores: Cora 51/100 vs Lili 73/100. Lili is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Cora or Lili cheaper?
Monthly fee — Cora: €0; Lili: €0. Card FX markup — Cora: 1.50%; Lili: Interbank. 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, Cora or Lili?
Cora holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Lili holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Lili is the stronger pick on regulatory protection.
Where can I use Cora and Lili?
Cora operates in 1 country; Lili 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.