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The best online banking platforms in 2026

Last updated
Jan 22, 2026
Based on
263 reviews
Products considered
56

Online banking covers apps that move, track, and safeguard money online—personal budgets, business cash accounts, cross‑border payouts, KYC/AML, and account linking.

MercuryBrexArcRazorpayWiseMonarch
Anima - OnBrand Vibe Coding Design-aware AI for modern product teams.

Top reviewed online banking products

Top reviewed
, , and anchor startup banking with distinct strengths: Mercury emphasizes streamlined accounts, virtual cards, and treasury workflows; Brex unifies corporate cards, spend controls, and accounting automations; Arc pairs rapid onboarding with high‑yield cash and capital access. Choices hinge on priorities—hands‑on treasury and APIs (Mercury), advanced spend governance and rewards (Brex), or yield maximization plus responsive support and financing (Arc).
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