Continues to dominate with over 110 million customers , leveraging its high transparency and credit-led model.
Leading the US market with 22 million users , Chime is focusing on mass-market adoption and fee-free services like "SpotMe" overdraft protection. The Falling: Niche Fatigue and Unit Economics Which neobanks will rise or fall?
While some niche banks (like those for freelancers or eco-conscious users) are growing, several others like Flowbank and Coop Finance+ have already disappeared due to an inability to scale or maintain trust. Continues to dominate with over 110 million customers
As traditional banks catch up with their own digital apps, neobanks that don't offer unique "infrastructure depth" (like specialized lending or AI-driven money management) are seeing users drift away. Key Survival Metrics for 2026 Which neobanks will rise or fall?