Commerce · alternatives · 2026

24 alternatives to Monie

5% APY high yield account for your dollars

Below are 24 products that do a similar job, ranked by how close each is in meaning and then by launch-day votes. Monie launched in 2021; newer entries below may have overtaken it.

1. 1
   Yield-as-a-Service▲152

   Earn up to 5.5% APY on your excess cash

   2022 · its alternatives →

2. 2
   Thresholds▲191

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

   2021 · its alternatives →

3. 3
   3% APY Borderless Business Bank Account▲47

   Be your own bank

   2023 · its alternatives →

4. 4
   Robinhood Checking & Savings▲465

   Earn 3% on your money. Pay no fees.

   2018 · its alternatives →

5. 5
   Rand▲116

   Build lasting wealth, earn 5% APY

   2023 · its alternatives →

6. 6
   Robinhood Cash Management▲125

   Invest, spend, and earn 2.05% APY

   2019 · its alternatives →

7. 7
   Mayfair▲267

   The 4% APY business cash account

   2022 · its alternatives →

8. 8
   X Money▲125

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

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

9. 9
   Finvest▲124

   The easy way to buy US Treasury Bills

   2024 · its alternatives →

10. 10
    Monetal▲82

    Super simple expense tracker💰

    2018 · its alternatives →

11. 11
    Smart Yield▲182

    Our investment alternative to a high-yield savings account

    2025 · carry.com · its alternatives →

12. 12
    Coinchange.io▲82

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

    2021 · its alternatives →

13. 13
    Tellus Boost▲81

    Earn 3% on your cash & boost your rate daily.

    2020 · its alternatives →

14. 14
    Cash Balancer▲75

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

    2021 · its alternatives →

15. 15
    CRED Mint▲168

    Earn up-to 9% interest, while investing in CRED members

    2021 · its alternatives →

16. 16
    Celsius▲87

    Earn interest on your crypto

    2021 · its alternatives →

17. 17
    USDC to Bank▲113

    Go from crypto to fiat in your bank, in minutes

    2023 · its alternatives →

18. 18
    DimeFi▲76

    Earn 12% APY powered by DeFi, Interest paid out daily

    2021 · its alternatives →

19. 19
    Monzo▲117

    The bank of the future

    2016 · its alternatives →

20. 20
    Convertable▲76

    Currency calculator with on-the-fly conversion

    2018 · its alternatives →

21. 21WS
    World’s first £3 flat fee (0% FX markup) money transfer service▲182

    Good morning everyone! My co-founder and I recently moved to the UK after working at Robinhood for over 5 years. We were stunned at the fees it was costing us to move money across borders with existing fintech solutions, so we decided to start Atlantic Money - the world’s first fixed fee (with no FX markup) money transfer product. For £3 you can transfer up to £1M. Let us know if you have any questions!

    2022 · atlantic.money · its alternatives →

22. 22
    Brew▲84

    Simplest way to earn inflation-beating yield on DeFi

    2021 · its alternatives →

23. 23
    QuickBooks Cash▲96

    1% APY and more than just a bank account

    2020 · its alternatives →

24. 24
    Mayfair▲108

    Your cash shouldn’t be earning peanuts.

    2023 · 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 →