Cleo is a personal finance AI assistant that offers budgeting tools, savings help, and credit building options without traditional credit checks. It is designed to be quick and user-friendly, with signup taking only 2 minutes. Cleo roasts or hypes users about their spending habits, encouraging better financial decisions. Users can qualify for up to $250 advances without interest or credit checks, though eligibility criteria apply. The Credit Builder Card helps users improve their credit scores. Cleo prioritizes security with bank-level encryption, never sells data, and is FDIC insured, providing a safe environment for managing finances.

Cleo

AI financial assistant app for budgeting, saving, and building credit.

Consumer banking

Step

Financial platform educating and providing services for money management.

Monzo, a startup, provides a user-friendly digital banking platform exclusively to UK residents. Customers can open a bank account through their phone quickly and for free. Monzo's features include instant transaction notifications, budgeting tools, categorizing expenses, savings pots, and analyzing spending with Trends. They offer overdraft and loan services, a no-fee Mastercard for international usage, and competitive exchange rates. Monzo Plus and Monzo Premium provide additional benefits for a monthly fee. They focus on security with FSCS protection, 24/7 support, and anti-fraud measures. Monzo aims to personalize banking while keeping over 8 million users' money safe.

Monzo

Digital bank with full UK account, savings, loans, fraud protection.

Wise is a financial startup serving 16 million customers with an account designed for international money transfers, currency management, and seamless global payments. It allows private and business users to send money, pay bills, and manage multicurrency cash flow efficiently with low fees. Wise offers rapid transfers in over 40 currencies, boasting high transfer speeds—often under 20 seconds. Their service includes an interest feature on USD balances, providing the same instant access with FDIC insurance. Wise ensures secure transactions with encryption and customer support, operating under FinCEN registration and federal regulations for broad, secure financial operations.

Wise

International money transfers, currency exchange, cost-effective, multi-currency accounts.

Vivid is a mobile banking platform offering high-yield savings, investment opportunities in shares and ETFs, and unique cashback incentives. Customers can manage funds in different 'pockets,' catering to savings or currency needs, and even share these with others. Security is paramount, with biometric safeguards and a card that keeps critical information off the physical card and instead in a secure app. Investments are protected up to €20,000, and deposits are guaranteed up to €100,000 through the respective Dutch and German schemes. Vivid partners with Solaris SE, ensuring regulatory compliance and reliability for its user's financial activities.

Vivid

Vivid provides mobile banking, cashback, investment, and secure payment services.

Chipper Cash offers African users the ability to easily perform international money transfers, utilize payment cards, and invest in global stocks with fractional shares. Supporting transactions to bank and mobile accounts in 21+ African countries, it is driven by a community of over 5 million users. With a focus on convenience and reliability, the platform allows sending and receiving money across Africa. Features include Chipper ID for user verification, low cross-border rates, and instant transfers akin to texting. It is geared for expansion with a recent U.S. launch and other global opportunities.

Chipper

African financial platform for transfers, payments, and investment services.

Current is a fintech startup providing financial services including faster direct deposits, credit building with a secured charge card, and fee-free overdraft protection. Users can earn up to 4.00% bonus on savings and benefit from round-up features to save effortlessly. Current also allows buying and selling of cryptocurrencies with zero trading fees and offers a selection of popular coins. Banking services come with FDIC insurance for peace of mind, and they offer a network of over 40,000 fee-free ATMs. There are no annual or minimum balance fees, and no credit checks are required for account opening.

Current

Financial services startup offering banking, savings, and cryptocurrency investment solutions.

Wealthsimple is a financial company providing easy online access to investing and saving tools. With options for custom-tailored portfolio management and self-directed stock and ETF trading without commissions, the platform tailors to various financial needs and goals. They extend support with expert advice and transparent practices to over 3 million Canadians. Wealthsimple promotes low fees and high-interest savings accounts, aiming to democratize traditionally exclusive investment opportunities to a broader audience. Their suite includes high-interest chequing accounts, often offering higher yields than traditional banks, alongside a clear-cut business model that aligns their success with their clients'.

Wealthsimple

Wealthsimple offers investing, saving, trading, and crypto services commission-free.

Neo Financial is a fintech startup that aims to transform the traditional financial landscape through technology-driven solutions. They offer a range of digital financial products, including savings accounts, credit cards, and a rewards program. Neo's approach emphasizes user-friendly interfaces, personalized experiences, and value-driven incentives. Their rewards system is tied to a network of partners, allowing customers to earn more from everyday spending. By adopting a digital-first strategy, Neo Financial seeks to make banking more accessible, efficient, and rewarding for its users, challenging the norms of conventional banking institutions.

Neo Financial

Neo Financial offers smart banking, investments, credit cards, and mortgages.

Revolut is a financial technology startup providing a range of services designed to enhance money management and spending. Users can sign up for free and engage in everyday transactions with benefits such as cashback. It supports multicurrency spending, offers various accounts such as Joint Accounts, and includes saving options with interest gains. Revolut also enables sending money abroad, splitting bills, and offers stock investment opportunities. There are different plans available, from Standard to Ultra, each with increasing perks like in-app support, spending protection, higher investment limits, and exclusive lifestyle benefits. Over 35 million people have joined Revolut.

Revolut

Financial services, banking, spending, cashback, global currency exchange, investments.

Wave Mobile Money Inc. is revolutionizing mobile financial services, by offering a platform allowing users to deposit, withdraw, and pay bills without any fees, charging only a 1% fee for sending money. The startup is focused on making financial transactions simple, easy, and efficient, eliminating the need for physical travel to conduct these transactions. Customers evidently use Wave for a variety of payments, including utility bills and family remittances, and express a high degree of satisfaction with the convenience and cost-effectiveness of the service. Wave aims to reinvent mobile money by offering these accessible and affordable services.

Wave

Wave provides mobile money solutions with low-cost transaction services.

Envelope is a financial technology firm providing a smart banking platform aimed at simplifying personal budgeting. Users can easily manage their finances by allocating money into different 'envelopes' for specific expenses, gaining better control over their budget. The platform offers both physical and virtual cards, giving users instant access to their accounts for online and in-person transactions. Notifications can be customized for user convenience. Envelope emphasizes security, allowing users to lock accounts or change virtual card numbers. The app supports joint accounts and automated goal achievement planning. Savings earn competitive interest rates, and funds are FDIC insured through Pacific West Bank.

Envelope

Smart budgeting platform with virtual cards, savings, and account management.

Titan Global Capital Management is an SEC-registered investment advisor providing sophisticated and transparent money management services to approximately 50,000 U.S. clients. They offer high-yield cash management options through Smart Cash, active equity strategies, and access to alternative investments like venture capital. With a focus on long-term gains, Titan provides both automated and personalized investment advice ensuring insurance through SIPC. The platform has been recognized for high interest rates and exceptional financial advisory, with an emphasis on institutional-grade investment tools, all accessible online. Their advisory fee is 0.25% annually, and they offer incentives for referring new clients.

Titan

Titan manages investments with active strategies, high yields, and advisory services.

Personal finance apps

Copilot

Personal finance app for tracking spending, budgets, and investments.

Origin is a financial management platform that consolidates tracking, planning, and investing in one place. Users can assess their complete financial picture, receive personalized recommendations for budgeting and savings, and get real-time, AI-powered planning assistance with Sidekick. Origin also provides direct access to Certified Financial Planners for tailored advice. Their investment arm, Origin Invest, offers automated investing with no advisory fees and an expense ratio of 0.00%. The service aims to replace fragmented and expensive financial tools with an integrated solution for $12.99 per month, offering a 30-day free trial without requiring a credit card.

Origin

Origin simplifies finance with advice, tracking, saving, and investment.

Lunch Money is a personal finance and budgeting software targeted at modern-day spenders, including digital nomads, engineers, designers, and startup founders. It offers a simple interface to manage finances, with features like direct bank imports, CSV uploads, API integration, crypto wallet connectivity, and powerful transaction categorization, tagging, and searching. Users can set monthly budgets, track recurring expenses, and gain insights into their spending patterns and net worth. The platform emphasizes data security and user privacy. While it primarily serves desktop users, the product is praised for its ease of use, thoughtful design, and responsive one-person support team.

Lunch Money

Lunch Money simplifies personal finance and budgeting, with multi-currency support.

Monarch Money is a personal finance platform that consolidates various financial management tools into a single, user-friendly service. Users can track account balances, transactions, investments, and work towards financial goals. The platform offers customized budgeting with rollover options, easy visualization of spending patterns through diagrams and charts, and the capability to collaborate with partners or advisors without extra fees. Investments are manageable in one comprehensive view, with historical performance details. Financial data is secured with bank-level security, and Monarch takes pride in offering an ad-free experience and not selling user data to third parties.

Monarch Money

Personal finance tool that tracks, organizes, budgets, and invests securely.

YNAB, short for 'You Need A Budget,' is a financial management platform designed to change how users handle money. With an emphasis on budgeting and saving, YNAB guides users through a friendly, flexible method that emphasizes four core rules: Give Every Dollar a Job, Embrace Your True Expenses, Roll with the Punches, and Age Your Money. Through this structured method, users can stop wondering where their money goes, grow savings, and enjoy spending without guilt. The startup offers a 34-day trial and claims users can save significant amounts quickly, while also benefiting from increased financial awareness and stress reduction.

YNAB

YNAB provides budgeting tools for effective money management and saving.

Payday advances

Wagely is a startup offering a financial wellness benefit that lets employees access their earned but unpaid wages anytime, enhancing their financial health. This access helps mitigate financial stress and promotes productivity, motivation, and retention among staff. The solution seamlessly integrates with company systems and comes with educational resources to support smarter financial decisions. For businesses, this equates to reduced turnover costs and higher staff retention. Employees appreciate the flexibility to manage expenses and avoid late fees. Wagely also aims to generate social impact in Southeast Asia by partnering with impact investors and charities, fostering social equality, and providing economic opportunities.

Wagely

Startup enables early access to earned wages for employee welfare.

Credit building

Self is a financial startup offering a credit-building service. Users can open a Credit Builder Account starting at $25 per month, contributing to a Certificate of Deposit (CD) while building credit. Payments are reported to all three credit bureaus without a hard pull. The service helps improve credit scores by establishing a positive payment history. Self also offers the Self Visa® Credit Card and allows customers to build credit using rent and utility payments. Additionally, the platform emphasizes security with 256-bit AES encryption and compliance to high security standards, offering a simple tool to budget and gain credit confidence.

Self

Self helps build credit using savings and controlled spending.

Cleo

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