WeBank vs Lili.
WeBank (W76/100) and Lili (L73/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. WeBank leads Lili 4-3.
| L Lili №26 · FDIC 73 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 73 /100 | 76 /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 | Full bank CBI |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.7 ★ 1k reviews | — |
| App store iOS + Android avg | 4.6 ★ iOS 4.7 · And 4.4 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees Lili won 1 of 4
- Best for protection WeBank won 2 of 2
- Best for reach WeBank won 1 of 3
- Best for ux Lili won 2 of 2
WeBank vs Lili — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Lili better than WeBank?
Under our v3 methodology, WeBank leads Lili 4–3 across 12 dimensions. Composite scores: Lili 73/100 vs WeBank 76/100. WeBank is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Lili or WeBank cheaper?
Monthly fee — Lili: €0; WeBank: €0. Card FX markup — Lili: Interbank; WeBank: 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 WeBank?
Lili holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Lili and WeBank?
Lili operates in 1 country; WeBank 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.