Lili vs ila Bank.
Lili (L73/100) and ila Bank (i50/100), 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 ila Bank 6-0.
| i ila Bank №74 · ila Bank is the digital retail brand of Bank of Bahrain and Kuwait 50 /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. | Partner-bank FDIC |
| Deposit guarantee Per depositor | Safeguarded BH.DCS | $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 | 4.2 ★ iOS 4.3 · And 4.1 | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick ila Bank if…
Digital retail brand of Bank of Bahrain and Kuwait (BBK B.S.C., Bahrain Bourse: BBK) — one of the GCC's oldest commercial banks (founded 1971). Launched November 2019 as Bahrain's first fully-digital retail bank. CBB Conventional Retail Bank licence sits at the BBK parent; ila is a brand inside that charter, not a separately licensed entity. Bahrain DPS cover BHD 20,000 per depositor flows via the parent licence under CBB Rulebook Volume 6. Conventional banking; for Sharia products from the same group, see KFH Bahrain (separately licensed Islamic bank).
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 ila Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is ila Bank better than Lili?
Under our v3 methodology, Lili leads ila Bank 6–0 across 12 dimensions. Composite scores: ila Bank 50/100 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 ila Bank or Lili cheaper?
Monthly fee — ila Bank: €0; Lili: €0. Card FX markup — ila Bank: 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, ila Bank or Lili?
ila Bank holds a Payment inst. licence under ila Bank is the digital retail brand of Bank of Bahrain and Kuwait (BBK B.S.C.) — CBB Conventional Retail Bank licence held at the BBK parent. CBB Rulebook Volume 6 Deposit Protection Scheme cover up to BHD 20,000 per depositor per institution; ila and BBK aggregate against one ceiling because they are the same legal entity. Verify the current DPS ceiling on cbb.gov.bh.; 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 ila Bank and Lili?
ila Bank 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?
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