Best Virtual Bank Apps

4.7😞(31K ratings)

FreeAds

Manage your money with a conscience. This app offers checking and savings accounts that do not fund fossil fuels and plant a tree with every purchase. Enjoy early direct deposit, high APY, and fee-free ATM withdrawals.

What We Love

💳 Debit card with cash back
🌳 Environmentally-conscious banking
🔍 Transparency in investments
💰 Competitive interest rates
🏧 Free ATM access

Room to Improve

⏱️ Slow transaction processing
🤖 Poor customer service
🔒 Account lockouts and verification issues
💰 Unexpected fees
🐛 App bugs and glitches

Current - Mobile Banking by Finco Services, Inc.

Get Paid Early. Build Credit.

Strong Contender

4.8😐(197K ratings)

Free

#37in Finance

Manage your finances with a mobile banking app that offers early direct deposit, fee-free overdrafts, and credit building tools. Earn cash back on purchases and interest on savings.

What We Love

🚀 Early paycheck deposits
💳 Unique and stylish debit card design
💰 Competitive savings interest rates
🔒 Secure banking experience
💸 Helpful overdraft protection
📱 Intuitive and user-friendly mobile app

Room to Improve

🕰️ Slow mobile check deposit process
🤖 Inconsistent and impersonal customer service
🔍 Difficulty resolving disputes and fraudulent charges
🔒 Security and account access issues
💳 Limitations on ATM withdrawals and card usage

Nu: Everyday mobile banking by NU PAGAMENTOS S/A INSTITUICAO DE PAGAMENTO

Trusted by over 140M people

Worth Considering

4.8😊(26K ratings)

FreeAds

Nu: Everyday mobile banking screenshot 1

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This app provides a comprehensive digital financial services platform, aiming to simplify banking and empower users. It offers a transparent and hassle-free experience for managing your complete financial journey, including accounts, credit, investments, and more, with human support available 24/7.

What We Love

🚀 Easy to use
👍 Transparent and intuitive
🚀 Fast and efficient
💡 Modern banking experience
👍 Excellent customer service

Room to Improve

🐛 Occasional app crashes
🐛 Login issues
🐛 Unreliable facial recognition
🔒 Security concerns
🔋 High battery consumption

More Virtual Bank apps to explore

Robinhood Banking

Credit Card & Banking

3% cash back on all categoriesVirtual cards with disposable numbersSecure account management and card controls

This app offers a credit card with 3% cash back and virtual card numbers for private spending. It also provides banking services like high-yield savings, no-fee ATMs, and full-service banking without visiting a branch.

(104K)

Varo Bank: Online Banking

Early Payday & Cash Advances

Early payday accessNo monthly or overdraft feesCash advances up to $500

This digital bank offers early payday access and cash advances up to $500. It provides high APY on savings, auto-saving tools, and a free secured credit card. Send money easily to anyone with just a phone number or email.

(234K)

Revolut: send, spend, and save

Change the way you money

Multi-currency spending and transfersVirtual and physical card optionsStock trading with low minimums

Manage your money with a comprehensive financial app. Spend, send, and save across multiple currencies, invest in stocks, and track your spending with smart tools. Offers features for both adults and children's financial education.

(73K)

Digital Banking Solutions

PNC Mobile Banking

Check account balances and transactionsSecure sign-on with biometricsSend money with Zelle®

Manage your finances on the go with this mobile banking app. Check balances, transfer funds, deposit checks, pay bills, and send money securely. It also offers tools to track spending, set budgets, and manage savings goals.

(2M)

Online checking and savings

GO2bank: Mobile banking

Early direct depositHigh-yield savings accountOverdraft protection

This mobile banking app simplifies money management with features like early direct deposit, high-yield savings, and overdraft protection. It offers transparent banking with no hidden fees and tools to build credit. Secure and convenient access to funds nationwide.

(64K)

Inter: Banking, credit card

Gift cards & Money transfers

Banking solutionsStock and ETF investingGift cards with cashback

Manage your finances with a comprehensive banking app. Spend, invest in stocks, save with gift cards, and send money globally all from your phone. Access a range of financial services designed for modern lifestyles.

(23K)

ZELF — Bank of the Metaverse

Get your Visa card in seconds

Instant virtual Visa cardNo ID requiredOnline and offline payments

Get a free virtual Visa debit card instantly, no ID needed. Use it for online and offline payments worldwide, manage your NFTs, and track your Steam inventory. This eco-friendly card can be managed through your favorite messaging apps.

💼 Business

(6)

Banking, Bookkeeping, & Taxes

Found: Business Banking

Business checking accountAutomated expense trackingDigital receipt saving

This app offers business checking, bookkeeping, and tax tools for small businesses. It simplifies workflows by allowing users to track expenses, save receipts, manage taxes, send invoices, and pay contractors all within the application, with no hidden fees.

(34K)

Debit card, rewards, pay later

PayPal - Pay, Send, Save

Send and receive money globallyEarn cash back offersRequest a debit card

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

(6.3M)

ValarPay-Local & Global Bank

Personal & Business Banking

Bank, save, and invest

Online bank account openingInstant money transfersSavings accounts with interest

Manage your banking, savings, and investments all in one app. Open an account in minutes, send money instantly, and grow your savings with flexible options. Invest in stocks and ETFs commission-free.

(12K)

Starling - Mobile Banking

Good with money.

Fee-free overseas spending and ATM withdrawalsVirtual 'Spaces' for saving and budgetingReal-time payment notifications and spending insights

Manage personal, business, and joint finances with a seamless mobile banking experience. Enjoy fee-free international transactions, advanced budgeting tools, and secure, human support. It offers features for individuals, families, and businesses, making banking simple and satisfying.

(2.8K)

Mercury | Bank Differently

Business and personal accounts

Business bankingPersonal accountsPayment processing

This app provides business and personal banking solutions designed for entrepreneurs and ambitious individuals. It offers features like payment processing, expense management, invoicing, and high-interest savings accounts, all managed online.

by General Bancshares, Inc.

Video bankingChat supportDeposit accounts

Access a comprehensive range of banking services conveniently through video or chat. Connect with a banker to discuss accounts, loans, mortgages, and more, anytime and anywhere.

Manage your finances digitally with a secure and instant mobile banking experience. Open accounts, transfer money, pay bills, apply for loans, and even invest in U.S. stocks, all from your phone. Offers features like instant card activation, loyalty rewards, and flexible payment options.

Digital account openingInstant card activation24/7 money transfers

(117K)

by ABU DHABI ISLAMIC BANK

ADIB Mobile Banking

View account transactionsPay bills and transfer moneyApply for financing

Manage your finances conveniently from your mobile device. This app allows you to view account balances, transfer funds, pay bills, and apply for financial products. It offers enhanced security features and personalized account management.

Manage your personal finances securely and conveniently on the go. This app offers features like mobile check deposit, bill pay, and money transfers. Stay connected with your accounts and communicate with bank representatives directly through the app.

Mobile check depositTouch ID/Face ID loginBill payment

(2.1K)