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| Features | Ally Bank | Bunq | Cash App | Chime | Current | Curve | Dave | Monzo | N26 | Nubank | PayPal | Revolut | SoFi | Starling Bank | Varo | Wise |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Monthly Fee | Free | EUR 2.99–17.99/mo | Free | Free | $4.99/mo | Free–$14.99/mo | $1/mo | Free–$5/mo | Free–EUR 16.90/mo | Free | Free | Free–$13.99/mo | Free | Free | Free | Free |
| International Transfers | Wire transfers only | Included | UK only | Not supported | Not supported | Card-based spending abroad | Not supported | Supported (via Wise) | Via Wise integration | Limited | Supported, higher fees | Low fees, 30+ currencies | Not supported | Supported | Not supported | Low transparent fees |
| ATM Access | 43,000+ free ATMs | Depends on plan | Fee-free with direct deposit | 60,000+ free ATMs | 40,000+ free ATMs | Uses linked cards | MoneyPass ATMs | Free in UK | 3–8 free/mo | 24,000+ ATMs | Not applicable | Free limit, then fee | 55,000+ free ATMs | Free in UK | 55,000+ free ATMs | 2 free/mo, then fee |
| Mobile App | ||||||||||||||||
| Savings Interest Rate | 4.00% APY | Up to 2.46% | 2.00% APY | 4.00% APY | Up to 4.11% | Up to 2.26% | 100% CDI | Up to 4.25% (Metal) | 4.50% APY | 3.25% | 5.00% APY (conditions) | Up to 4.85% (varies) | ||||
| Crypto Support | true (Bitcoin) | |||||||||||||||
| Card Type | Visa/Mastercard | Mastercard | Visa | Visa | Visa | Mastercard | Mastercard | Mastercard | Mastercard | Mastercard | Mastercard | Visa/Mastercard | Mastercard | Mastercard | Visa | Visa/Mastercard |
| Joint Account | Shared spaces | |||||||||||||||
| Early Salary | Up to 2 days early | Up to 2 days early | Up to 2 days early | true (UK) | Up to 2 days early | Up to 2 days early | ||||||||||
| Budgeting Tools | Basic |