Neobank Startups funded by Y Combinator (YC) 2024

April 2024

Browse 48 of the top Neobank startups funded by Y Combinator.

We also have a Startup Directory where you can search through over 5,000 companies.

  • FAZZ
    FAZZ (s2017)Active • 500 employees • Jakarta, Indonesia
    FAZZ is the leading all-in-one finance platform for businesses in Indonesia and Singapore. We are a b2b neobank with payment acceptance capabilities. The company is the market leader among underbanked segments such as warungs / startups and is building a super-app to serve mid-market and enterprise clients. Core features are: * Accept payments (e-wallet, bank transfer, credit card) * Business Cash Account (earn 4% interest) * Transfer / Pay (payment API's, corporate card, invoice processing via software) * Lending (instant settlement, invoice financing) * Value-add SaaS (inventory management, expense management) FAZZ processes more than $6 bn of annualized GTV for companies of all sizes (from warungs to fortune 500s) and has achieved $25 mm of annualized Revenue. The company has raised over $74 mm USD from top tier global investors such as Tiger Global, DST, Y Combinator, B Capital Group, and Insignia Ventures. The founders are ex Amazon, Grab, Quora, and Traveloka.
    fintech
    payments
    neobank
  • Yotta
    Yotta (s2020)Active • 8 employees • New York, NY, USA
    Users save money, get over 2x the national average in interest and weekly chances to win additional prizes up to $10 million through weekly random number drawings.
    neobank
  • Numo
    Numo (w2024)Active • 3 employees • San Francisco, CA, USA
    Numo is the new money company — built to be the global bank for the newly minted generation of highly ambitious digital workers in Asia, Africa, LATAM, and beyond. These contractors currently sit in the 95th percentile of earners in their country — but their financial infrastructure is unstable. It's fragmented across PEOs, gig marketplaces, and consumer remittance platforms. With their local currency weakening against the US Dollar, they need control on how and when to repatriate funds. They don't just need a remittance app. They need a bank. Numo provides international contractors with a US bank account — and instant, low-cost payment rails to move money home. This way they can hold funds in USD up to the second they need to spend it. We help international contractors get paid like a local, while banking globally.
    fintech
    payments
    compliance
    emerging-markets
    neobank
  • Envelope
    Envelope (s2023)Active • 2 employees • San Francisco, CA, USA
    Envelope is an autonomous Mint with built-in banking. Imagine a platform that can move your money to optimize your balance sheet, negotiate bills on your behalf, and segment your finances to actually reflect the mental accounting happening in your brain. We are structured to be the primary checking, savings, and investment account for our users.
    fintech
    consumer
    neobank
    ai
  • Wallets Africa
    Wallets Africa (w2019)Active • Lagos, Nigeria
    Blockchain based online bank
    fintech
    saas
    payments
    neobank
  • Increase
    Increase (s2020)Active • 10 employees
    Increase is banking for developers. Anything you can do with your bank, you can do via API. If you transfer, store, invest, or lend money, we can help you move faster.
    fintech
    neobank
  • CapWay
    CapWay (s2020)Active • 9 employees • Atlanta, GA, USA
    CapWay is a financial technology company that creates financial access and opportunity for all via our ecosystem, including digital banking tools, savings tools, financial content, and inclusion consumer fintech products. The company fills financial gaps and provides solutions for the growing cashless economy and those who are looking to move away from the traditional financial system, including those who have been misunderstood, overlooked, and underserved. CapWay has a B2C and B2B2C customer acquisition strategy.
    fintech
    saas
    consumer
    enterprise
    neobank
  • Gerald Technologies, Inc
    Gerald Technologies, Inc (w2021)Active • 12 employees • New York, NY, USA
    Gerald is on a mission to eliminate stress about paying bills. We are transforming bill payments by providing consumers with an application for linking and automatically paying their household bills while offering overdraft and late fee protection for all their biller accounts. Our app tracks and pays bills so our users don’t have to. We offer banking services; direct deposits, credit building, cash advance and rewards to simplify bill payments for both billers accounts and consumers.
    fintech
    saas
    payments
    consumer
    neobank
  • Ruby Card
    Ruby Card (w2023)Active • 3 employees • New York, NY, USA
    Ruby is a neobank that offers e-commerce businesses a flexible spend management solution and direct integrations with commerce platforms. By combining banking and commerce data, Ruby provides businesses with a real-time, unified view of their financial health and money movement, empowering them to make better financial decisions and scale their operations.
    fintech
    saas
    b2b
    e-commerce
    neobank
  • Whiz
    Whiz (w2022)Active • 9 employees • Jakarta, Indonesia
    Whiz revolutionizes the way you manage finances, providing innovative solutions for a wealthier future—where your money earns more, fully insured by Indonesia Deposit Insurance Corporation (IDIC). Join us on this journey toward financial empowerment.
    fintech
    payments
    consumer
    neobank
  • Ziina
    Ziina (w2021)Active • 25 employees • Dubai - United Arab Emirates
    Ziina is bringing the next generation of financial services to the Middle East.
    fintech
    payments
    neobank
  • Finex
    Finex (w2023)Active • 2 employees
    We help e-commerce businesses streamline their financial operations by offering a bank account, domestic and international transfers, credit cards, and financial data from all popular e-commerce services.
    fintech
    saas
    analytics
    e-commerce
    neobank
  • iNRI
    iNRI (w2023)Active • 2 employees • Mountain View, CA, USA
    India is set to be one of the fastest growing major economies and Indian expats have a unique opportunity to invest in this dynamic growing market. As an Indian expat looking to invest in India, investing in India is a daunting experience, with multiple operational hurdles, complex tax and repatriation regulations. Inri solves these challenges by providing a seamless investment platform comprising of personalized wealth advisory and compliance services.
    fintech
    saas
    india
    investing
    neobank
  • Shekel Mobility
    Shekel Mobility (w2023)Active • 18 employees • Lagos, Nigeria
    Our platform helps car dealers find, finance and sell more cars in the $30B African used Car market. We are building the largest auto dealership ecosystem ; powering $10Bn transactions annually
    fintech
    b2b
    neobank
  • Coba
    Coba (s2023)Active • 9 employees • Monterrey, Nuevo Leon, Mexico
    Coba makes it easy for Mexican knowledge workers employed by US companies to earn in US Dollars and seamlessly spend locally in Pesos. On average, a knowledge worker will lose $1,000 per year in hidden ForEx and transfer fees. In that process, their money will touch at least 3 different accounts adding time and steps along the way. These workers’ require more than simple money movement, they demand a financial solution that addresses their specific needs: banking, saving, spending - all in two currencies. Coba allows its users to not only deposit and save their earnings in a US account, but also access critical financial services at home in Mexico - from a local credit card to integrated bill pay. With Coba, remote workers can live across two currencies... efficiently and effortlessly.
    fintech
    latin-america
    remittances
    neobank
  • Finary.com
    Finary.com (w2021)Active • 5 employees • Paris, France
    Finary is empowers retail investors to grow their empire by tracking, managing & investing their money on one App.
    fintech
    investing
    neobank
  • Z1
    Z1 (w2021)Active • 80 employees • São Paulo, State of São Paulo, Brazil
    Z1 is a digital banking app made for teenagers and young adults. By using the Z1 app and a prepaid card linked to their account, teenagers can begin their road to financial independence by learning to manage and spend their money, as well as having a place to receive money they earn through jobs and small businesses.
    fintech
    payments
    consumer
    lending
    neobank
  • Wallbit
    Wallbit (w2023)Active • 15 employees • Buenos Aires, Argentina
    Wallbit is a neobank that gives global remote workers a US bank account where they can receive their income, withdraw in local currencies, and earn yield from U.S. treasury bills.
    fintech
    investing
    neobank
  • Theya
    Theya (w2023)Active • 3 employees • San Francisco, CA, USA
    Theya is the world’s simplest Bitcoin self-custody app for users who find crypto exchanges risky and hardware wallets overwhelming. We are making the self-custody UX seamless with our multi-sig wallet that users can set up using smartphones, giving them the functionality and convenience of centralized exchanges without sacrificing control and security of hardware wallets. We aim to be the default consumer app for Bitcoin - offering products like accumulation, lending, investments and payments - all built on top of our intuitive self-custody platform.
    fintech
    crypto-web3
    consumer
    neobank
  • Fingo Africa
    Fingo Africa (s2021)Active • 8 employees • Nairobi, Kenya
    Fingo is building a pan-African digital bank. Today, most Africans pay 5-15% fees to transfer money to friends, family, or businesses - with Fingo these fees will be 90% cheaper. In 240 seconds, any young person will be able to access a full suite of financial services including personal, business, investment and savings accounts.
    neobank
  • Payflow
    Payflow (s2021)Active • 60 employees • Barcelona, Spain
    A mobile app. It allows employees to get paid whenever they want, instead of just once a month (or biweekly). We sell it to companies as an employee benefit (B2B SaaS).
    fintech
    neobank
  • Elevate (formerly Bloom)
    Elevate (formerly Bloom) (w2022)Active • 7 employees • Dubai - United Arab Emirates
    We provide US based USD deposit accounts that sit with a licensed banking partner. Elevate's FDIC-insured USD accounts offer ACH, wire inbound and outbound payments, and a free Mastercard debit card. Our regional payout partners enable our users to send their money back home at very low cost. We're targetting non-US residents in emerging markets who struggle to get paid in USD.
    fintech
    payments
    consumer
    neobank
  • Kapital Bank
    Kapital Bank (w2022)Active • 500 employees • Mexico City, CDMX, Mexico
    Cash management solution that offers debit & credit solutions for SMBs in LATAM. - 24/ Multi-treasury: multiple debit accounts, payroll & services payment, wires - Corporate Expenses: dashboard and prepaid cards to control your employee's budget & expenses - Credit Card: flexible global line where you can decide to use it as a revolving line or as a simple amortizable credit in installments.
    fintech
    saas
    payments
    b2b
    neobank
  • Zywa
    Zywa (w2022)Active • 6 employees • Dubai - United Arab Emirates
    Zywa is the first neobank tailored for teenagers in the Middle East and North Africa. Through Zywa, teens are able to spend, receive and manage money without the need for cash, and they can also get rewards and interact with their friends. Using the app, parents can also send money to their kids, which they can spend securely in the safe environment of their parents’ oversight.
    fintech
    payments
    neobank
  • Orca
    Orca (w2022)Active • 4 employees • Austin, TX, USA
    Orca is banking built for Gen Z from the ground up. Send money instantly, split bills with groups, access local discounts and perks, spend and save, and do everything else you could ever ask on Orca — the only financial hub you'll ever need.
    fintech
    neobank
  • Emigre
    Emigre (w2022)Active • 2 employees • Palo Alto, CA, USA
    Emigre is the fastest and the only end-to-end digital Indian banking solution for Indian expats (Non-Resident Indians) so they can support their families back home, shop on Indian websites, and invest in Indian stocks and real estate.
    fintech
    consumer
    neobank
  • Cardda
    Cardda (w2022)Active • 5 employees • Santiago, Santiago Metropolitan Region, Chile
    All-in-one spend management for businesses in Latam. We give customers tools for bill payments, automated local transfers and corporate cards.
    fintech
    saas
    payments
    b2b
    neobank
  • Boya
    Boya (w2022)Active • 9 employees • Nairobi, Kenya
    Boya Makes it easy for businesses in Africa to issue corporate expense cards instantly and great software to control and track spending. For example, if you run a pharmaceutical company, you can use Boya to instantly issue Visa cards to sales and marketing teams and get real-time visibility and control over their spending. 50M+ businesses in Africa have no easy way to streamline and track their employee spending in real-time. So we are building a corporate card and a spend management platform that enables businesses to streamline spend workflows and provide real-time reporting. We are building the first corporate card that supports mobile money, banks and card schemes payment workflows
    finops
    fintech
    payments
    b2b
    neobank
  • Grey
    Grey (w2022)Active • 15 employees • US-101, San Francisco, CA, USA
    Grey provides US, EU, and UK accounts for remote workers in emerging markets. For the first time, western companies feel comfortable recruiting skilled workers from anywhere and Grey is making it easy for these workers to receive their salary, save in foreign currency, convert to local currency and spend.
    fintech
    consumer
    b2b
    neobank
  • Moni
    Moni (w2022)Active • 20 employees • Lagos, Nigeria
    Moni finances small businesses in groups across Africa. The collective responsibility of the group serves as a collateral on the loan while the social pressure from the members ensures on-time repayment. There are over 44million SMBs in Africa.  
 We launched 7 months ago and we already have $72k MRR growing at 50% MoM. We achieved 99% repayment on 11,000 units of loans with over $5M disbursed. This is 15 times higher than most financial services in Africa. 
 Femi (CEO) worked previously with the World Bank with a focus on financial services while Dapo (CTO) led the development of the technology for one of the largest digital lending apps We are also backed by Y Combinator(W22), Magic Fund, Ventures Platform, Voltron Capital and more.
    banking-as-a-service
    fintech
    neobank
  • Arpari
    Arpari (w2022)Active • 6 employees • New York, NY, USA
    Treasury management platform built for commercial real estate. Seamlessly consolidate portfolio finances and manage financial operations from a single dashboard.
    fintech
    saas
    real-estate
    proptech
    neobank
  • Seis
    Seis (w2022)Active • 17 employees • San Francisco, CA, USA
    Today we're the easiest way for our customers to get a bank account. Tomorrow we'll be the easiest way to get a credit card, auto loan, mortgage, etc. Our mission is to treat our customers as 1st class citizens and *end dial #2 for español*
    fintech
    consumer-finance
    neobank
  • Mono
    Mono (w2022)Active • 18 employees • Bogotá, Bogota, Colombia
    We offer a corporate bank account that integrates with accounting, tax and payroll systems allowing SMEs owners in LatAm manage their business in just one place.
    fintech
    neobank
  • Pana
    Pana (s2022)Active • 14 employees • Winter Garden, FL 34787, USA
    Pana helps customers open a US bank account online without an SSN, Send remittances to Latam, Europe and Philippines in nearly realtime with the best rates in the market. Lead by the fmr. Head of Digital Banking at Scotiabank for LatAm, and along with co-founder and the rest of the team which comes from Rover, Rappi, and mercado libre, have all personally lived through the struggles of migrating to the USA. Latinos represent the fastest- growing -and one of the most underserved- population in the USA in part because Big Banks are not really interested in this segment or have other priorities. A good product and service like Pana that speaks to our needs and worries is long overdue.
    fintech
    consumer
    social
    neobank
  • Alma
    Alma (s2022)Active • Seattle, WA, USA
    fintech
    payments
    gaming
    consumer-finance
    neobank
  • Coupl
    Coupl (s2022)Active • 8 employees • Bengaluru, Karnataka, India
    Coupl is India's first neobank for couples. We help couples easily manage their shared payments. While Indian couples have evolved over the last 20 years, the traditional joint account hasn't. Today, young Indian couples start sharing payments well before tying the knot. They use multiple tools to budget, split, track and settle expenses. They also prefer a quick and digital banking experience. However, the traditional joint account is still only accessible to married couples, takes days to open and is very limited in its expense management features & user experience. Coupl lets any young couple (regardless of their marital status) open a digital joint wallet in under 60 seconds using the mobile app - without ever having to visit a physical bank branch. Customers can use the Coupl wallet to pool in money together and pay for shared expenses using our RuPay cards.
    fintech
    consumer
    neobank
  • Moneco
    Moneco (s2022)Active • 8 employees • Paris, France
    Moneco is a neobank targeting the migrant communities in Europe, starting with the African diaspora. We are making banking easier and more affordable for underserved communities, starting with a current account, a payment card and free remittances. The long term vision is to turn Moneco into a one-stop-shop where all of their financial needs will be addressed.
    fintech
    neobank
  • Bitstack
    Bitstack (s2022)Active • 9 employees • Paris, France
    Bitstack's mission is to empower people to participate in a more open financial system. Bitstack has gone from a simple product that invests your spare change in bitcoin to a bitcoin-native neobank that is bringing a better way to buy, sell, send, and receive bitcoin. Bitstack is powered by Bitcoin - the first open, global, and permissionless monetary network that allows users to send and receive money anywhere, instantly, with almost no fees, and with no central issuer that can debase its currency.
    crypto-web3
    neobank
  • Hostfi
    Hostfi (s2022)Active • 2 employees • New York, NY, USA
    Manage property expenses, automate accounting, & open accounts all for no fees.
    neobank
  • nsave
    nsave (s2022)Active • 10 employees • London, UK
    nsave is a fintech that provides trusted $€£ accounts abroad for people from countries where inflation is high and banking is broken.
    fintech
    neobank
  • Shelf
    Shelf (s2022)Active • 2 employees • Bengaluru, Karnataka, India
    Shelf is the first Neobank in India focused on Young Professionals. It gives them easy banking & payment services and makes it effortless to pay bills together with friends.
    fintech
    payments
    neobank
  • Pivo Technology Inc
    Pivo Technology Inc (s2022)Active • 11 employees • Lagos, Nigeria
    Africa has experienced robust macroeconomic growth over the last five years and was the second fastest growing region in 2019 with a GDP of $2.6T, a 3.7% increase on 2018. Nigeria makes up $0.5T, 50% of which comes from Small and Medium Enterprises (SMEs) – a huge number of these operate within large manufacturing supply chains. Starting with Freight Carriers Pivo makes financial services easily accessible for truck owners and truck drivers by providing a bank account, debit card and digital invoicing tools so they can get paid faster and avoid cash flow problems. This will be further augmented by more fundamental financial products such as credit, transaction management, and expense management, to improve their cashflow.
    fintech
    payments
    b2b
    supply-chain
    neobank
  • Ping
    Ping (s2022)Active • 20 employees • Buenos Aires, Argentina
    Ping enables international contractors and freelancers to have access to a personal Dollar account in the US, a crypto account, and generate invoices to get paid. With Ping, workers make on average 4% more money and get paid the same day.
    crypto-web3
    payments
    neobank
  • Bueno Finance
    Bueno Finance (w2021)Acquired • 18 employees • Gurugram, Haryana, India
    Credit building platform for next billion users. We offer digital credit card over UPI
    fintech
    india
    neobank