Best free bank accounts

This ranking covers 29 tracked brands - neobanks tagged for this use case - and 29 of them carry a score. The median sits at 85, with the cohort spread between 27 and 95 out of 100.

The top three are Cash App (95.0), Cora (95.0), and Monzo (94.8). Cash App sits 10 points clear of the cohort median, so the gap at the top is wide enough to mean something rather than a rounding artefact.

Across the cohort, 15 score 80 or above, 12 land in the 60s and 70s, 1 sit between 40 and 59, and 1 fall below 40. A thin top band usually says the category is hard to get right, not that we are marking harshly.

The scores behind this page rest on 20.7M reviews gathered across Trustpilot, Google Play and the App Store, weighed alongside news and social coverage.

Home markets skew towards United States, base for 6 of the 29 brands here, and the cohort spans 14 countries in total. Where a brand is headquartered shapes which regulator it answers to and, often, where it will let you open an account.

Since the previous reading, 13 brands scored higher and 11 scored lower.

A high score means customers are broadly satisfied - not that a brand is the cheapest, nor that it is available where you live. Fees, supported markets and product limits live on the profile pages, and those are usually what settle the choice once sentiment has narrowed the field.

Order is set by the score alone - we take no payment for placement. Scores refresh every month, so this ranking moves as customer sentiment does.