Melhor Neobanco em United States 2026

The largest US neobank by user count. Partner-bank model gives FDIC pass-through cover to $250K via The Bancorp Bank and Stride Bank — Chime itself is not a chartered bank. Aggressive fee-free positioning, early-paycheck access, and a domestic ATM network of 60K+ are the headline value props.

Chime is the largest US neobank by user count (~22M). Partner-bank model — FDIC pass-through to $250K via The Bancorp Bank or Stride Bank. US-only, USD-only.

First US neobank to receive an OCC national bank charter (July 2020). Direct FDIC member — your money sits at Varo Bank, N.A., not a sponsor. Headline 5.00% APY savings rate on the first $5K with direct deposit — among the highest in the US neobank market.

Varo holds the first US fintech OCC national-bank charter (granted 2020). Direct FDIC member. Up to 5.00% APY savings on first $5K with direct-deposit conditions.

The only public US neobank holding both a national bank charter and a brokerage license. Bundles checking, savings, investing, and lending in a single relationship — incentive structure rewards multi-product customers via Plus-tier rate boosts. Closest US analogue to Revolut's all-in-one model.

SoFi (NASDAQ: SOFI) holds an OCC national-bank charter via the Golden Pacific acquisition (2022) plus a FINRA/SIPC brokerage. Bundles checking, savings, investing, and lending.

The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.

Block-owned (NYSE: XYZ). Largest US P2P + neobank hybrid (~50M monthly actives). Partner-bank via Sutton Bank. Bitcoin-native banking with Lightning Network sends.

Most-used digital banking platform among US YC-backed startups (~200K business customers). Partner-bank model with FDIC pass-through up to $5M via Sweep program — well above the standard $250K. Mercury Treasury yields up to 5% via T-bills/MMFs. The closest US analogue to Qonto.

US business banking for startups (~200K customers). Partner-bank model with FDIC pass-through up to $5M via Sweep. Mercury Treasury yields up to 5% via T-bills/MMFs.