2024 年 5 家最佳新銀行：探索頂級數位銀行平台

透過我們列出的 2024 年 5 家最佳新銀行（有時也稱為「新銀行」或「數位銀行」），您不僅看到了銀行業的未來，也看到了銀行業的現在。

Neobanks, also known as digital banks or neo banks, are a relatively new type of financial institution that operates exclusively online and offers a range of banking services. These banks are typically designed to be user-friendly, convenient, and often come with lower fees than traditional banks.

Neobanks，也稱為數位銀行或新銀行，是一種相對較新的金融機構，僅在線上運作並提供一系列銀行服務。這些銀行的設計通常是用戶友好、方便的，而且費用通常比傳統銀行低。

In recent years, neobanks have gained significant popularity, especially among younger generations and tech-savvy individuals. They offer a variety of features and benefits that cater to the needs of modern consumers, such as mobile-first banking experiences, budgeting tools, and integration with other financial services.

近年來，新銀行非常受歡迎，尤其是在年輕一代和精通科技的個人中。它們提供各種功能和優勢來滿足現代消費者的需求，例如行動優先的銀行體驗、預算工具以及與其他金融服務的整合。

To help you navigate the world of neobanks and identify the best options available, we've compiled a list of the top 5 neobanks for 2024. These banks offer a diverse range of services, from international banking to personal finance management, and are sure to meet the needs of a wide spectrum of users.

為了幫助您了解新銀行的世界並確定最佳選擇，我們編制了 2024 年 5 強新銀行的名單。 。

1. Revolut: A UK Giant with Unmatched Convenience

1. Revolut：英國巨頭，提供無與倫比的便利

Recognized for its low fees and global services, Revolut has also made significant waves in the traditional banking industry. Founded in 2015 and headquartered in London, UK, Revolut is licensed by the Bank of Lithuania and achieved an impressive £1.80 billion ($2.33 billion) in revenue in 2023.

Revolut 以其低廉的費用和全球服務而聞名，也在傳統銀行業引起了巨大的轟動。 Revolut 成立於 2015 年，總部位於英國倫敦，獲得立陶宛銀行許可，2023 年實現了令人印象深刻的 18 億英鎊（23.3 億美元）收入。

What truly sets Revolut apart is its consumer-friendly approach, which appeals to a broad user base, including cryptocurrency enthusiasts. In fact, Revolut is widely regarded as one of the best banks for crypto users.

真正讓 Revolut 與眾不同的是對消費者友善的方式，吸引了包括加密貨幣愛好者在內的廣泛用戶群。事實上，Revolut 被廣泛認為是加密用戶最好的銀行之一。

In addition to offering low fees, Revolut also emphasizes convenience and provides options for saving and earning APY on your assets.

除了提供低廉的費用外，Revolut 還強調便利性，並提供透過資產儲蓄和賺取 APY 的選項。

2. N26: No Fee Accounts with Impressive User Experience

2. N26：免費帳戶，用戶體驗極佳

Established in 2013, N26 is a German neobank that boasts a user-friendly mobile app and no-fee accounts, while offering up to 10 different subaccounts for paid plans.

N26 成立於 2013 年，是一家德國新銀行，擁有用戶友好的行動應用程式和免費帳戶，同時為付費方案提供多達 10 個不同的子帳戶。

The app's interface is sleek and clean, providing real-time notifications for accountability and transparency, making it a strong contender among Cash App alternatives. N26 has also recently introduced a savings option, demonstrating their understanding of their customer base.

該應用程式的介面時尚簡潔，提供即時通知以實現問責制和透明度，使其成為現金應用程式替代品中的有力競爭者。 N26 最近也推出了儲蓄選項，展示了他們對客戶群的了解。

3. Wise: Neobank for International Business

3. Wise：國際業務新銀行

Founded in 2013, Wise (formerly TransferWise) is a neobanking solution headquartered in London. It's an excellent choice if you're seeking a neobank tailored for international business. In fact, it's also considered one of the top free virtual credit cards overall.

Wise（以前稱為 TransferWise）成立於 2013 年，是一家總部位於倫敦的新型銀行解決方案。如果您正在尋找專為國際業務量身定制的新銀行，那麼這是一個絕佳的選擇。事實上，它也被認為是最好的免費虛擬信用卡之一。

With the capacity to deal in over 40 currencies, Wise provides you with the flexibility to operate across borders without encountering (most of) the hassles of currency conversion.

Wise 能夠處理 40 多種貨幣，為您提供跨境操作的靈活性，而不會遇到（大部分）貨幣兌換的麻煩。

It's also worth noting that Wise integrates seamlessly with accounting software such as QuickBooks and Xero. This streamlines your financial management, so you don’t have to worry about the administrative side of your finances.

另外值得注意的是，Wise 與 QuickBooks 和 Xero 等會計軟體無縫整合。這簡化了您的財務管理，因此您不必擔心財務的行政方面。

4. Monzo: Catering to Personal Banking Needs

4. Monzo：滿足個人銀行業務需求

If you were feeling philosophical, you could call Monzo the Yang to Wise's Yin. Just like Wise, Monzo is headquartered in the UK, but unlike Wise, Monzo is mostly focused on personal banking needs.

如果你有哲學的話，你可以把 Monzo 稱為陽，將 Wise 稱為陰。與 Wise 一樣，Monzo 總部位於英國，但與 Wise 不同的是，Monzo 主要專注於個人銀行業務需求。

Monzo offers various account types, including both free and premium options, each designed to meet different user needs.

Monzo 提供各種帳戶類型，包括免費和高級選項，每種帳戶類型都設計用於滿足不同的使用者需求。

Despite having some limitations in lending products, as well as a daily withdrawal limit of £400 on all types of accounts, Monzo's neat "Flex" feature offers a unique BNPL (Buy Now, Pay Later) option, which provides a lot of flexibility to you as a user.

儘管貸款產品存在一些限制，並且所有類型帳戶的每日提款限額均為400 英鎊，但Monzo 簡潔的“Flex”功能提供了獨特的BNPL（立即購買，稍後付款）選項，提供了很大的靈活性作為使用者的您。

5. Chime: American Fintech Giant with Over 50,000 Fee-Free ATMs

5. Chime：美國金融科技巨頭，擁有超過5萬台免費ATM

Our first American entry on this list, Chime, is a fintech company (technically not a bank) that has significantly impacted the American online banking landscape since its inception in 2013. Headquartered in San Francisco, Chime partners with Bancorp Bank, N.A., and Stride Bank, N.A., both FDIC members, to provide banking services.

我們第一個進入此名單的美國公司Chime 是一家金融科技公司（嚴格來說不是一家銀行），自2013 年成立以來對美國線上銀行格局產生了重大影響。和Stride 合作銀行，NA，皆為 FDIC 成員，提供銀行服務。

Chime's focus on a user-friendly, fee-free banking experience has garnered it 13 million customers (as of 2023). It's ideal for people who prefer banking entirely online, with no physical branch access required. They offer plenty of features that simplify personal banking, including early direct deposit, fee-free overdraft protection up to $200 with SpotMe®, and an extensive network of over 50,000 fee-free ATMs.

Chime 專注於用戶友好、免費的銀行體驗，為其贏得了 1,300 萬客戶（截至 2023 年）。對於喜歡完全在線辦理銀行業務、無需訪問實體分行的人來說，它是理想的選擇。它們提供大量簡化個人銀行業務的功能，包括提前直接存款、SpotMe® 高達 200 美元的免費透支保護以及由 50,000 多台免費 ATM 組成的廣泛網路。

Bear in mind, you need to be a U.S. Citizen or legal resident of the United States whoâs 18 years and older to use Chime.

請記住，您需要是年滿 18 歲的美國公民或美國合法居民才能使用 Chime。

The Bottom Line

底線

Revolut stands out as a leading neobank, backed by $1.7 billion in funding. It offers low fees and a wide range of global

Revolut 是一家領先的新銀行，擁有 17 億美元的資金支持。它提供低廉的費用和廣泛的全球服務