Neobanks are becoming the go-to choice for businesses that want faster, simpler, and more flexible banking. They help companies handle things like payments, expenses, and cash flow with way less stress. That’s why they are especially loved by startups and small to mid-sized companies.
In 2024, Monzo Business, a UK-based neobank, reported that it served over 500,000 business customers. Coinlaw also stated that business accounts made up 67% of the neobanking market’s total revenue. These numbers shows that more businesses are moving their finances online, and the numbers only going to grow.
In this article, we’ll show you 10 great neobanks for businesses in 2025 — and if your needs are a little more complex, we will also explain when it might be a good idea to build your own neobank – and show you how to get started.
Top 10 business neobanks in 2025
Here are the top 10 neobanks for business in 2025. Each offers a unique set of features to support different business needs — from cross-border payments and smart expense tracking to integrated tax tools and automated invoicing.
| Neobank | Best for | Key features | Pricing | Availability |
|---|---|---|---|---|
| Starling Bank | SMEs & freelancers | Free UK business account, multi-currency support, FSCS protection | Free basic account, fees for extras | UK & EEA |
| Monzo Business | Startups & small businesses | Easy expense tracking, tax pots, invoicing tools | Free & paid plans (£5/month for Pro) | UK |
| Payoneer | Global businesses & freelancers | Multi-currency accounts, cross-border payments | Free account, fees for transactions | Worldwide |
| Bunq | Sustainable businesses | Automated bookkeeping, green banking, instant payments | Plans start at €9.99/month | Europe |
| NorthOne | Small businesses & startups | Integrated banking + invoicing, cash flow insights | $10/month + transaction fees | USA |
| Revolut | Global businesses | Multi-currency accounts, team expense management | Free & paid plans (£25+/month) | Worldwide |
| Mercury | Tech startups | No monthly fees, API banking, investor-friendly perks | Free, with some transaction fees | USA |
| Relay | Businesses with multiple accounts | Sub-accounts for cash management, no overdraft fees | Free account, some premium features | USA |
| Brex | High-growth startups | Corporate cards, expense automation, rewards | Free account, revenue-based credit limit | USA |
| Lili Bank | Freelancers & solopreneurs | Automatic tax savings, no hidden fees, fast payments | Free & 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.
Great for most, but not for all – when custom neobanks make sense
By now, it’s clear that neobanks are doing a great job helping businesses manage their finances — and for most companies, they tick all the right boxes. They’re quick to set up, easy to use, and often come packed with the essential features businesses need.
But as good as they are, they’re not always a perfect fit for all. There are still many businesses with unique needs that current neobanks don’t fully serve.
For example, if your company serves specific groups such as gig workers, the unbanked populations, ethnic or cultural communities, or senior citizens – all of whom may have unique financial behaviors – then a custom neobank might be a better fit than a standard one.
Or let’s say your business operates in niche industries that need specific local fintech integrations, a custom neobank can be a smarter choice in that case too.
It gives you the freedom to design a financial experience that truly fits your users, your workflows, and your market.
Here’s what a custom solution can offer:
- Hyper-personalized user experience: You can create features, flows, and UI elements based on how your customers really think and behave — not how the average user does.
- Local integrations: Connect to domestic fintech APIs, use local payment methods, or meet region-specific compliance rules — all of which a custom neobank can support more easily.
- Cultural and language flexibility: Offer services in multiple languages, design onboarding experiences that reflect local culture, and build features that respect religious or social norms.
- Better accessibility: Make it easier for older adults or people with disabilities to use your app with customizable navigation, font sizes, color contrast, and support tools.
- Control and scalability: You’re not limited by a third-party provider’s roadmap. You can grow, add new features, or shift your product direction whenever your business needs change.
In the next section, let’s look at how you can build a custom neobank.
How to go custom?
There are two main ways to build your own neobank — and the right path depends on how much control, customization, and speed you need.
Here’s a quick overview of the two options for you:
| Feature | BaaS platform | Custom solution |
|---|---|---|
| Cost | Lower upfront, recurring fees | Higher upfront, but better long-term value |
| Time to deploy | Fast (weeks) | Longer (months) |
| Customization | Limited | Fully customizable |
| Security | Relies on provider | Full control over security |
| Integration | Some business tool integrations possible | Seamless, deep integration with your tech stack |
Option 1: Build using a core banking-as-a-service (BaaS) platform
Banking-as-a-Service platforms give you the building blocks of a bank — like account creation, payments, cards, compliance, and KYC — all accessible through APIs. Instead of starting from scratch, you’re building your product on top of an existing banking infrastructure.
This is different from the 10 neobanks we mentioned earlier, where you sign up, use the features they provide, and can’t change much. With BaaS, you get a modular setup. You can design your own product with your own branding, workflows, and UI — while the platform handles backend complexity (like compliance, ledgers, and payments).
Why go with BaaS?
- Faster time-to-market compared to building from scratch
- Lower development costs
- Pre-built compliance and regulatory layers
- Flexibility to design your own front-end and user experience
Some popular BaaS providers include Solaris, Synapse, Treezor, and Unit – all of which offer solid foundations to build on.
So if you’re aiming for control, flexibility, and a fully branded experience — but don’t want the heavy lift of building everything from scratch — then going with a BaaS platform could be your smartest move.
Option 2: Partner with a fintech company to build from scratch
If you need something highly customized — like complex workflows, unique user journeys, or total control over data — then building from scratch with a fintech development partner can be the way to go.
In this case, you’re not just putting a new face on existing infrastructure — you’re designing and developing every part of the neobank to match your business’s needs.
Why build from scratch?
- Maximum flexibility and control
- Tailored features for unique markets or user groups
- Full ownership of data, roadmap, and user experience
- Can be scaled and evolved without third-party limitations
This approach takes more time and investment, but the result is a neobank that’s 100% yours. It’s built around your audience, your workflows, your brand, and your long-term goals.
If you want a custom neobanking solution, partner with Synodus and get a platform designed for your business from the ground up.
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
In conclusion, neobanks are clearly changing the game for modern businesses — offering speed, simplicity, and features that make day-to-day money matters a whole lot easier. For most companies, picking a standard neobank is the fastest way to get started and stay focused on growth.
But if your business needs go beyond the standard, don’t settle. A custom-built neobank, whether powered by a BaaS platform or built from the ground up, gives you the freedom to design a financial product that truly works for your users and market.
In the end, it’s not about choosing the trendiest option — it’s about choosing what fits your goals, your customers, and the way you want to grow.
