Top 10 ready-made neobanks for business – smart, but enough?

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Neobanks are changing business banking with digital-first services, lower fees, and faster transactions. Many fintech startups, SMs, and traditional banks are looking for the best neobank solutions, but is an off-the-shelf option enough? 

While off-the-shelf neobanks offer convenience, they often lack the flexibility businesses need. Custom neobank solutions provide full control, better integrations, and tailored features to fit your operations perfectly, but building a custom neobank requires more time, resources, and expertise. 

So, how do you decide which option is right for your business? Should you stick with a ready-made solution, or is it time to consider something more tailored? 

In this article, we’ll provide an overview of the best off-the-shelf neobanks in 2025, explore whether they truly meet your business needs, and suggest alternatives if they fall short.

Top 10 business off-the-shelf neobanks in 2025

Business neobanks are online-only banks made just for businesses. Unlike traditional banks, they don’t have physical branches, but they offer everything a business needs to manage money—like business accounts, international payments, expense tracking, and invoicing—all in one place. 

Because they are 100% digital, business neobanks are often faster, cheaper, and easier to use than traditional banks. Here are some of the top off-the-shelf neobank options available in 2025.

NeobankBest forKey featuresPricingAvailability
Starling BankSMEs & freelancersFree UK business account, multi-currency support, FSCS protectionFree basic account, fees for extrasUK & EEA
Monzo BusinessStartups & small businessesEasy expense tracking, tax pots, invoicing toolsFree & paid plans (£5/month for Pro)UK
PayoneerGlobal businesses & freelancersMulti-currency accounts, cross-border paymentsFree account, fees for transactionsWorldwide
BunqSustainable businessesAutomated bookkeeping, green banking, instant paymentsPlans start at €9.99/monthEurope
NorthOneSmall businesses & startupsIntegrated banking + invoicing, cash flow insights$10/month + transaction feesUSA
RevolutGlobal businessesMulti-currency accounts, team expense managementFree & paid plans (£25+/month)Worldwide
MercuryTech startupsNo monthly fees, API banking, investor-friendly perksFree, with some transaction feesUSA
RelayBusinesses with multiple accountsSub-accounts for cash management, no overdraft feesFree account, some premium featuresUSA
BrexHigh-growth startupsCorporate cards, expense automation, rewardsFree account, revenue-based credit limitUSA
Lili BankFreelancers & solopreneursAutomatic tax savings, no hidden fees, fast paymentsFree & Pro plan ($9/month)USA

1. Starling Bank

Starling Bank is a British neobank that offers businesses a range of banking services, including current accounts, business toolkit, and Euro/USD accounts. The most outstanding feature of this neobank is that it doesn’t charge a monthly fee or UK payment charges. This is a fully regulated UK bank account with up to £85,000 coverage under the Financial Services Compensation Scheme.

2. Monzo Business

Monzo Business is also a UK-based b2b neobank with some common digital-first features, like seamless payments, tax tools, and expense management. Fully regulated and FSCS-protected, it offers 24/7 support, quick account setup, and flexible plans to suit businesses of all sizes. Monzo Business has served over 600,000 businesses that want to manage their finances with ease.

3. Payoneer

Payoneer is designed especially for businesses that engage in international transactions. It provides a multi-currency account and tools for managing cross-border payments. The neobank has served millions of customers in 190+ countries, trusted by 5 million users and supports 70 currencies and 17 languages worldwide.

4. Bunq

Partnering with Bunq, businesses will receive Exclusive Business Card perks, which give a discount on business tools like Google Workspace. This neobank provides businesses with 500 free transactions per year. With instant payments, 24/7 support, and funds insured up to €100,000 protected by the Dutch Deposit Guarantee Scheme (DGS), Bunq makes business banking simple and secure.

5. NorthOne

NorthOne serves the unique demands of small businesses, start-ups or freelancers. Based in the USA, it offers business accounts with a debit card, all managed through a mobile app. It serves residents of the U.S. and Canada and holds a 4.37 rating on TrustPilot from 191 reviews.

6. Revolut

Revolut is designed for companies of all sizes. Trusted by over 20,000 new businesses every month, it offers multi-currency accounts, payments to 150+ destinations, and currency exchange in 25+ currencies. Revolut Business helps companies save up to 6% on spending.

7. Mercury

Mercury is a fintech company providing smart banking solutions for startups, serving over 200,000 businesses. It offers FDIC-insured accounts, corporate cards with 1.5% cashback, automated financial tools, and treasury management with up to 4.44% yield. Designed for growth, Mercury simplifies startup banking with a quick 10-minute signup process.

8. Relay

With Relay, businesses’ banking is simplified with checking, savings, and accounts payable tools in one platform. It offers multiple accounts, Visa debit cards, accounting integrations, and 1%-3% APY on savings. This b2b neobank integrates with QuickBooks, Xero, Gusto, and more.

9. Brex

Brex makes banking easy for startups by combining checking, treasury, and invoicing in one place. Start-ups can earn up to 3.96% of their money and save up to 4,250 hours thanks to AI-powered automation, send payments worldwide, and automate bills – all with no hidden fees. Plus, this neobank provides up to $6M FDIC insurance and 24/7 support to keep the business running smoothly.

10. Lili Bank

This is one of the best neobanks for small businesses, with features like a business debit card and AI-powered tools. Lili has launched “Lili Smart,” which adds accounting software to the platform, helping small business owners manage their bookkeeping. It partners with Sunrise Banks N.A. for its banking services and to insure deposits up to $250,000 via the Federal Deposit Insurance Corp. 

Are they enough for your business’ needs?

As off-the-shelf neobanks provide a fast and cost-effective way to manage finances—like the 10 options mentioned above—they have become a popular choice for startups and SMEs, offering features such as seamless payments, multi-currency accounts, and automated expense tracking. 

However, as businesses grow, these ready-made solutions might not always be enough. Many companies find themselves facing limitations such as: 

  • Limited customization – Most ready-made neobanks come with fixed features, which may not align with your specific operational needs. 
  • Scalability concerns – A solution that works for a small business may not support a larger company’s growing financial complexity. 
  • Hidden costs & transaction fees – While neobanks promote lower fees, international transfers, premium features, or high transaction volumes can lead to unexpected expenses. 
  • Regulatory & compliance restrictions – Some neobanks have limitations on certain industries or cross-border operations. 

For example, an e-commerce company might face challenges when using ready-made neobanks as these banks lack necessary integrations with their accounting software or fail to support the volume of international transactions they require. Since the neobank couldn’t offer these, they had to manually process transactions, leading to errors and delays. 

What are the solutions if the available neobanks don’t fully meet your needs?

Since off-the-shelf neobanks may no longer fully meet your business needs as it grows, you have two alternative options:

Option 1: Hybrid approach (Using a ready-made neobank + custom features)

When to choose it:  

  • You need a fast, affordable solution but with some customization. 
  • You rely on existing neobank features but want to add tailored functions. 
  • You don’t want to build a full banking solution from scratch. 

Benefits: 

  • Lower upfront investment compared to a fully custom neobank. 
  • Faster setup while still allowing some flexibility. 
  • Reduces reliance on one provider. 

Drawbacks: 

  • Limited ability to modify core banking features. 
  • Might still face integration issues with certain business tools. 
  • Additional costs for custom-built features.

Option 2: Building a custom neobank 

When to choose it: 

  • You need full control over your banking features and security. 
  • You want to create a unique banking experience for customers. 
  • Your business relies on specialized financial operations that SaaS neobanks don’t support. 

Benefits: 

  • Full customization to match your business needs. 
  • Better integration with business tools (ERP, CRM, payment gateways). 
  • Enhanced data security and compliance control. 
  • No dependency on third-party providers. 

Drawbacks: 

  • Higher upfront investment and longer development time. 
  • Requires ongoing maintenance and compliance updates. 
  • More responsibility for security and customer support.

Here’s a quick overview of the two options for you:

FeatureHybrid ApproachCustom Neobank
CostLower upfront, recurring feesHigher upfront, long-term savings
Time to deployFast (weeks)Longer (months) 
CustomizationLimitedFully customizable 
Security Relies on provider Full control over security
Integration Some integrations possible Seamless integration with business tools

Instead of settling for a one-size-fits-all solution, why not build a neobank that truly fits your business? Partner with Synodus, you’ll receive a tailored solution with full customization to meet your specific business needs. 

With our custom neobank solutions, you have full control over features, seamless integration with your existing tools, and strong security measures that allow you to scale up your business without any limitations. Let’s create a banking system that works for you.

Final thoughts

Ready-made neobanks offer speed, simplicity, and cost-effectiveness—making them a smart choice for startups and SMEs that need quick access to digital banking. However, they often come with limitations in customization, integration, and scalability.

If your business requires a fast and budget-friendly banking solution, a hybrid approach—using a neobank with added custom features—could be the best choice. It gives you flexibility without the high cost or long setup time. 

But your business looking for full control over your banking system, better integrations, and a solution that grows with your business, building a custom neobank is the smarter long-term investment. It ensures scalability, security, and compliance while keeping you independent from third-party providers. 

In the end, it all depends on your business goals. If you need a quick fix, go for the hybrid model. But if you’re planning for the future and want a solution built around your needs, a custom neobank is the way to go. 

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