2024 年 5 家最佳新银行：探索顶级数字银行平台

通过我们列出的 2024 年 5 家最佳新银行（有时也称为“新银行”或“数字银行”），您不仅看到了银行业的未来，也看到了银行业的现在。

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，也称为数字银行或新银行，是一种相对较新的金融机构，仅在线运营并提供一系列银行服务。这些银行的设计通常是用户友好、方便的，而且费用通常比传统银行低。

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.

近年来，新银行非常受欢迎，尤其是在年轻一代和精通技术的个人中。它们提供各种功能和优势来满足现代消费者的需求，例如移动优先的银行体验、预算工具以及与其他金融服务的集成。

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.

为了帮助您了解新银行的世界并确定最佳选择，我们编制了 2024 年排名前 5 的新银行名单。这些银行提供从国际银行业务到个人财务管理等多种服务，并且一定会满足广大用户的需求。

1. Revolut: A UK Giant with Unmatched Convenience

1. Revolut：英国巨头，提供无与伦比的便利

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 以其低廉的费用和全球服务而闻名，也在传统银行业引起了巨大的轰动。 Revolut 成立于 2015 年，总部位于英国伦敦，获得立陶宛银行许可，2023 年实现了令人印象深刻的 18 亿英镑（23.3 亿美元）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.

真正让 Revolut 与众不同的是其对消费者友好的方式，吸引了包括加密货币爱好者在内的广泛用户群。事实上，Revolut 被广泛认为是加密用户最好的银行之一。

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

除了提供低廉的费用外，Revolut 还强调便利性，并提供通过资产进行储蓄和赚取 APY 的选项。

2. N26: No Fee Accounts with Impressive User Experience

2. N26：免费账户，用户体验极佳

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 成立于 2013 年，是一家德国新银行，拥有用户友好的移动应用程序和免费账户，同时为付费计划提供多达 10 个不同的子账户。

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.

该应用程序的界面时尚简洁，提供实时通知以实现问责制和透明度，使其成为现金应用程序替代品中的有力竞争者。 N26 最近还推出了一项储蓄选项，展示了他们对客户群的了解。

3. Wise: Neobank for International Business

3. Wise：国际业务新银行

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（以前称为 TransferWise）成立于 2013 年，是一家总部位于伦敦的新型银行解决方案。如果您正在寻找专为国际业务量身定制的新银行，那么这是一个绝佳的选择。事实上，它也被认为是最好的免费虚拟信用卡之一。

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 能够处理 40 多种货币，为您提供跨境操作的灵活性，而不会遇到（大部分）货币兑换的麻烦。

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.

还值得注意的是，Wise 与 QuickBooks 和 Xero 等会计软件无缝集成。这简化了您的财务管理，因此您不必担心财务的行政方面。

4. Monzo: Catering to Personal Banking Needs

4. Monzo：满足个人银行业务需求

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.

如果你有哲理的话，你可以把 Monzo 称为阳，将 Wise 称为阴。与 Wise 一样，Monzo 总部位于英国，但与 Wise 不同的是，Monzo 主要专注于个人银行业务需求。

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

Monzo 提供各种帐户类型，包括免费和高级选项，每种帐户类型都旨在满足不同的用户需求。

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.

尽管贷款产品存在一些限制，并且所有类型账户的每日提款限额均为 400 英镑，但 Monzo 简洁的“Flex”功能提供了独特的 BNPL（立即购买，稍后付款）选项，提供了很大的灵活性作为用户的您。

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

5. Chime：美国金融科技巨头，拥有超过5万台免费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.

我们第一个进入此名单的美国公司 Chime 是一家金融科技公司（严格来说不是一家银行），自 2013 年成立以来对美国在线银行格局产生了重大影响。Chime 总部位于旧金山，与 Bancorp Bank、NA 和 Stride 合作银行，NA，均为 FDIC 成员，提供银行服务。

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 专注于用户友好、免费的银行体验，为其赢得了 1300 万客户（截至 2023 年）。对于喜欢完全在线办理银行业务、无需访问实体分行的人们来说，它是理想的选择。它们提供大量简化个人银行业务的功能，包括提前直接存款、SpotMe® 高达 200 美元的免费透支保护以及由 50,000 多台免费 ATM 组成的广泛网络。

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.

请记住，您需要是年满 18 岁的美国公民或美国合法居民才能使用 Chime。

The Bottom Line

底线

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 是一家领先的新银行，拥有 17 亿美元的资金支持。它提供低廉的费用和广泛的全球服务