Commerce · alternatives · 2026

24 alternatives to 3% APY Borderless Business Bank Account

Be your own bank

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Prices are shown for the 1 we have checked on their own sites, 1 of them free or with a free tier. 3% APY Borderless Business Bank Account launched in 2023; newer entries below may have overtaken it.

1. 1
   TransferWise Borderless Account▲295

   Send, receive and organize your money without crazy fees

   2017 · wise.com · its alternatives →

2. 2
   Monie▲78

   5% APY high yield account for your dollars

   2021 · its alternatives →

3. 3
   Robinhood Checking & Savings▲465

   Earn 3% on your money. Pay no fees.

   2018 · its alternatives →

4. 4
   Finnt▲185

   Next-gen banking app for students

   2023 · apps.apple.com · its alternatives →

5. 5
   OnJuno▲347

   Crypto friendly banking with 6% interest and 10% cashback

   2022 · its alternatives →

6. 6
   Mayfair▲267

   The 4% APY business cash account

   2022 · its alternatives →

7. 7
   Thresholds▲191

   Earn up to 6% on your USD, paid daily in Bitcoin

   2021 · onesafe.io · its alternatives →

8. 8
   Sable▲320

   Free bank account and credit card for internationals

   2020 · its alternatives →

9. 9
   Karsa▲231

   Get a virtual US bank account + save/spend dollars globally

   2025 · gokarsa.com · its alternatives →

10. 10
    VaultLeapfree tier, from $14.99/mo▲10

    I'm Greg, co-founder of VaultLeap. Built this for founders who can't get a US bank account. USD/EUR/MXN accounts with real ACH routing numbers and we have Visa cards coming soon. If you've been cut off from Mercury or similar recently, DM me — happy to help some founders out.

    2025 · vaultleap.com · its alternatives →

11. 11
    Robinhood Cash Management▲125

    Invest, spend, and earn 2.05% APY

    2019 · robinhood.com · its alternatives →

12. 12
    Bankoff Business▲83

    Borderless banking without banks

    2021 · bankoff.co · its alternatives →

13. 13
    Brex Cash▲243

    Replace your bank account with Brex Cash.

    2019 · brex.com · its alternatives →

14. 14
    USDC to Bank▲113

    Go from crypto to fiat in your bank, in minutes

    2023 · pipes.tech · its alternatives →

15. 15
    Yield-as-a-Service▲152

    Earn up to 5.5% APY on your excess cash

    2022 · sivo.com · its alternatives →

16. 16
    Rand▲116

    Build lasting wealth, earn 5% APY

    2023 · rand.app · its alternatives →

17. 17
    Tori▲118

    The simple mobile crypto wallet even your mom can use

    2024 · its alternatives →

18. 18
    Crescent▲96

    Earn 4% APY with up to $75m in FDIC insurance

    2023 · crescent.app · its alternatives →

19. 19
    DafriBank Digital LTD▲25

    Banking Without a Border!

    2022 · sendeezy.com · its alternatives →

20. 20
    X Money▲125

    Your money, on the world's most powerful network.

    Aug 2026 · money.x.com · its alternatives →

21. 21
    Level - Next Level Banking▲6

    Challenger bank with 2.10% APY and 1.0% on debit purchases

    2020 · avant.com · its alternatives →

22. 22
    Coinchange.io▲82

    Earn & buy crypto, get safe passive income from DeFi yield

    2021 · apps.apple.com · its alternatives →

23. 23
    NorthOne Business Banking▲136

    A mobile business bank account built for makers

    2019 · apps.apple.com · its alternatives →

24. 24
    Cash Balancer▲75

    I have 5% of crypto and want 65% of Bitcoin there. How?

    2021 · github.com · its alternatives →

Ranked by how close each launch is in meaning, then by votes. Prices were read from each product’s own site when checked and can change. Refine with your own description →