Banking reviews from Reddit
Summary
We analyzed 227 Reddit reviews across 43 subreddits and 50 posts to rank the best Banking brands recommended by redditors, including communities like r/srilanka, r/Odsp, r/nri, r/AskUK, r/Bahrain. Top-rated brands include Monzo (4.7/5), Mercury (5.0/5), ILA (4.4/5).
Stats
Reviews227
Subreddits43
Posts50
Brands100
Products4
227 reviews from
and
By Brand
/By Product
#1
Monzo
4.7
(10)
"I have another business with Monzo, can’t fault them."
"Monzo is fantastic."
"Monzo is better due to its tech focus."
"Monzo is great for managing my finances."
"Monzo app is by far the best."
"Monzo by a country mile."
"Monzo blows them all out of the water. Everything about it is so fluid and easy to use, right from the second you first install it."
"Monzo have been great for us"
"Monzo is good, although I do prefer Starling personally."
"Starling, Monzo, Tide are all perfectly acceptable and easy to get started with."
#2
Mercury
5.0
(9)
"I personally use Mercury for all small businesses I work with and have had only great experiences so far."
"I have four business accounts with Mercury and highly recommend them."
"Just tried Mercury for a new business and loving it so far"
"I went with Mercury for this new business, been really happy so far."
"Mercury is one of the most popular banking providers among startups."
"Great things have been heard about Mercury for SaaS companies looking for easy payment solutions."
"Mercury is the new norm in the US for startups."
"As a startup law firm, we refer to Mercury and I use them personally for my consulting business."
"Mercury. I wouldn’t even recommend anything else."
#3
ILA
4.4
(10)
"ILA is the one! tried all of them"
"Top three 2025 1. ila 2.Alsalam 3.NBB"
"Ila is indeed very good"
"Ila and alsalam are amazing"
"Ila hands down. that is the only correct answer"
"Ila hands down as it is a digital bank."
"Ila is great and intuitive"
"I use Ila as a bank and Beyon Money as my primary account"
"Ila. I think they have the best UI."
"Ila is great. I used bbk nbb and nbk. All are bad."
#4
Starling Bank
4.0
(7)
"Starling also excels with its technology."
"Starling is like Monzo without the fluff and subscriptions, but has worse interest rates."
"Starling is probably the best overall."
"I do prefer Starling personally."
"Starling Bank is also good."
"Starling, Monzo, Tide are all perfectly acceptable and easy to get started with."
"Starling is fine, but I find it far less usable personally."
#5
HNB
3.9
(7)
"In my opinion both HNB and Sampath provide best internet banking services within Sri Lanka but personally I prefer HNB over Sampath due to their much easier user friendly apps and services."
"I use both HNB and Sampath and in my opinion HNB is the best."
"Banking apps: HNB > new Sampath vishwa > (boc flex) > others."
"From my experience HNB was the easiest."
"HNB is good. Cleaner interface and user friendly."
"Hnb is alright."
"HNB is okay."
#6
Tangerine
3.8
(6)
"I see PC, TANGERINE, and KOHO are great?"
"Most well know: Tangerine, Simplii (have full atm use)."
"Simplii and Tangerine have no fee banking."
"Tangerine"
"Switch to a no fee bank such as simplii / tangerine."
"*Tangerine* u need to use scotiabank, simplii financial u need to use cibc."
#7
Wise
4.6
(5)
"Wise is best with support for multiple currencies - You will not get simpler/better"
"Wise."
"Wise can serve as your bank account just fine."
"Wise usually has good offers for remittances."
"Wise is the go to app for international transactions."
#8
Simplii
4.4
(5)
"I use Simplii financial. It’s been fantastic for me."
"Simplii dropped 400 onto my account 4 months after Ii opened and did direct ODSP."
"Simplii and Tangerine have no fee banking."
"Simplii financial is a good option!"
"Switch to a no fee bank such as simplii / tangerine."
#9
Schwab
4.4
(5)
"I use Schwab since can get free atm cash withdrawals while overseas."
"Schwab International is by far the best option for expats."
"The rates are higher now but they've kept renewing my lower rate."
"Schwab. Negotiate your rate."
"Schwab or SDFCU"
#10
ICICI Bank
4.4
(5)
"ICICI definitely wins the NRI game."
"If you are going to be physically present in India then visit ICICI Bank and open NRO/NRE. They have opened, processed and activated accounts for few of our NRI clients within 8 hours same day."
"You can open ICICI bank. I recently did from abroad, a week but they are good."
"ICICI account opening was very simple comparatively."
"I only dealing with ICICI as they are one of the few reputable financial institutions"
#11
Revolut
3.4
(5)
"Revolut is great"
"Revolut offers 0 fees on transactions and a bonus for signing up."
"Revolut is also a good option for banking services."
"Revolut isn’t legally a bank in the UK."
"All Portuguese banks are terrible."
#12
Nations Trust Bank
4.0
(4)
"I have used most of the private commercial banks digital services, and I find NTB to have the best digital banking service among all closely followed by HNB."
"Nations Trust is pretty cool. They recently went through an overhaul and the new experience is quite user-friendly."
"The NTB app is really good."
"NTB"
#13
Summit
5.0
(3)
"100% Summit"
"Summit is great. Been with them for over 20 years. No complaints"
"Summit is awesome. Also consider UW credit union"
#14
Millennium
5.0
(3)
"Millennium has been great for me so far."
"Try Millennium in Amoreiras, they are always helpful and quite well staffed there."
"Millennium is the best one."
#15
Rho
5.0
(3)
"Rho, it’s designed with small businesses in mind, no monthly fees or minimum balance, and their platform is pretty easy to use."
"Rho, it's designed for small businesses, has no monthly fees, and offers really solid customer service."
"Rho. We were with Mercury then switched - they have a better partner bank and service."
#16
Bluevine
4.7
(3)
"I use Bluevine. No fees and easy to set up."
"I use Bluevine and have been happy with them, no fees."
"Bluevine."
#17
PC
4.7
(3)
"I like PC because if I have to spend it I want something for that."
"I have been liking PC... I love it because it has been free."
"I see PC, TANGERINE, and KOHO are great?"
#18
Sampath Bank
4.0
(3)
"+1 Sampath is actually good."
"Sampath recently improved their app with vishwa retail and that seems pretty good."
"Sampath is pretty decent."
#19
Capital One
4.0
(3)
"My understanding is CapitalOne does the same."
"Capital One if you don’t want to deal with monthly maintenance fees."
"No fees and a delay in transferring money."
#20
Novobanco
3.7
(3)
"I think it’s the person at the bank that makes the difference, I’m with NovoBanco."
"I like Novobanco. I hardly ever need to visit a branch."
"I have Novobanco. I’ll let you know how it goes haha."
#21
Starling
3.7
(3)
"Starling and Monzo are both great options."
"I like and use starling for both personal and business"
"I’d normally recommend Starling but they have been awful with me over the last 12 months."
#22
HDFC Bank
2.5
(4)
"HDFC karlo."
"HDFC is too big to care about anyone. They don't have employees, they have sales rep working on commission selling insurance."
"HDFC is demanding specific power of attorney. He simply said that's our requirement kinda rude way."
"I am recently hearing HDFC as whole has become quite bad. I’m trying to convert my account to NRE but they have been giving me a hard time with all the procedures."
#23
Tide
3.3
(3)
"Personally use Tide with a turnover of 750k - can’t say I’ve had any issues."
"Starling, Monzo, Tide are all perfectly acceptable and easy to get started with."
"Using Tide for e-commerce platforms like Etsy and Amazon Handmade was challenging."
#24
Valley Federal Credit Union
5.0
(2)
"I do most of my banking with Valley Federal CU, and they're very pleasant to deal with."
"Valley federal credit union has been great for me."
#25
Charles Schwab
5.0
(2)
"Schwab reimburse ATM fees, so we can freely withdraw cash as needed in any country."
"For travel, Schwab is great. They reimburse both domestic and international ATM fees and have no foreign transaction fees."
#26
Canara Bank
5.0
(2)
"Canara Bank has the best exchange rates and FD interests. Their FX remittance app is also very efficient for repatriating NRE funds to US."
"I have canara and HDFC, canara exchange rates and FD interests are super good."
#27
BOC
3.0
(3)
"It’s better now use BOC flex."
"But now BOC is very good as they introduced BOC flex."
"BOC is the worst."
#28
Wealthsimple
4.5
(2)
"I just opened a wealthsimple account this month. no fees is nice."
"Notable mentions: Koho, Wealthsimple, PC money."
#29
UBA
4.5
(2)
"It's fantastic. I connected it to paypal, I can send money from my wave to my card to paypal easily."
"Uba is the only decent one."
#30
HBL
4.5
(2)
"HBL + NAYAPAY
Works online, works abroad, 10/10 experience."
"HBL & UBL"
#31
Kiwi
4.5
(2)
"Kiwi is probably the best Rupay card right now. 2% cashback on almost all transactions and upto 5 percent based on milestones."
"Kiwi gives base 2% with neon and 1.5% without neon."
#32
PC Money
4.5
(2)
"I have both a PCMoney Account No monthly fee Free unlimited everyday transactions."
"Notable mentions: Koho, Wealthsimple, PC money."
#33
Chime
4.5
(2)
"Chime."
"Chime."
#34
US Bank
4.5
(2)
"If you are a veteran, US Bank Waives service fee and upgraded checking is free."
"Try US bank."
#35
Koho
4.5
(2)
"Koho is great and gives 5% interest on your entire balance"
"Notable mentions: Koho, Wealthsimple, PC money."
#36
Bank Muscat
4.5
(2)
"Bank muscat only. If you make online payments then you save a lot on interbank transfers."
"Bank Muscat is the obvious choice because of the number of branches and account holders who won't incur fees."
#37
Credit Union
4.5
(2)
"Credit Union is definitely the way to go. For so many reasons."
"Just go with a credit union."
#38
Axis Bank
2.7
(3)
"I also have NRE/NRO account with Axis. The process was easier with both if you have all the documents."
"Axis app is good compared to ICICI."
"Stay away from Axis. They are a nightmare."
#39
HSBC
2.7
(3)
"And new entrant in the startup world: HSBC."
"Hsbc, icici"
"I heard HSBC and BOC are pretty bad."
#40
BMO
4.0
(2)
"The BMO on the north end of Clark in Andersonville is one of the coolest branches in the city IMHO."
"Best Canadian Banks for daily business use, based on our experience, are RBC and BMO."
#41
RBC
4.0
(2)
"I use RBC since I was a kid."
"Best Canadian Banks for daily business use, based on our experience, are RBC and BMO."
#42
First Direct
4.0
(2)
"First Direct and Starling are tops with customer service."
"First Direct is king if you actually want to use the telephone to deal with the bank."
#43
NatWest
4.0
(2)
"Natwest, Barclays, HSBC, Lloyds, Santander etc are all good."
"NatWest has the nicest high street bank app."
#44
Brex
4.0
(2)
"Brex."
#45
Santander
4.0
(2)
"Santander do really cheap business banking, and the app is pretty good now"
"Santander on Roosevelt off Main Street is good."
#46
Bank Dhofar
4.0
(2)
"I had a good experience with bank dhofar."
"Alternatives are Bank Dhofar and Ahli Bank if you need ease of opening account and speed."
#47
UBL
4.0
(2)
"Ubl"
"Ubl"
#48
SBI
3.5
(2)
"I recently converted my regular SBI account to just NRO without NRE account."
"SBI if home branch manager is approachable."
#49
Chase
3.5
(2)
"Chase are excellent and Starling and Monzo aren't bad either in my experience."
"If you deposit more than 250k in either cash or securities, you can access the private bank."
#50
BDC
3.5
(2)
"The BDC is generally the go to for business loans and credit. We've been working with them for many years and have had good experience thus far."
"I took a loan from BDC once. It was simple and fast (if you have more than 2 years under your belt) but it was a little pricey on interest and fees."
#51
BISB
3.5
(2)
"BISB, ila bank."
"The only thing I like about BisB more than ila is you can request statements based on dates"
#52
Seylan Bank
3.5
(2)
"Seylan is surprisingly good."
"Seylan, Com IMO."
#53
BDO
3.0
(2)
"Gamit ko bdo minimum deposit 2000 tapos dapat di bawasan 2000 may penalty."
"They have a fee of 10 pesos."
#54
Barclays
3.0
(2)
"Quite like the Barclays app and use it regularly."
"For large VC investment, you’ll need one of the big names, Barclays et al."
#55
U.S. Bank
3.0
(2)
"U.s. Bank on Clark Street or Huntington in the Jewell"
"I use US Bank on Clark street. They’re decent."
#56
Activo Bank
2.5
(2)
"Activo Bank."
"Define „good service“… it’s a serious question - I barely use any services and do everything in the app (ActivoBank)"
#57
IDFC Bank
2.5
(2)
"IDFC is a fully digital opening."
"Idfc first earn = 1%"
#58
Commercial Bank
2.5
(2)
"Commercial is pretty reliable and easy to use."
"Combank was my first ever bank, I always found their app to be terrible. Also service wise."
#59
NBO
5.0
(1)
"I think NBO or OAB."
#60
Unicredit
5.0
(1)
"Try the big Unicredit at city center."
#61
Quincy Credit Union
5.0
(1)
"I have Quincy Credit Union and have no complaints."
#62
Opay
5.0
(1)
"Opay"
#63
Glens Falls National Bank
5.0
(1)
"Glens Falls has been great to us, as has Community Bank!"
#64
Wintrust
5.0
(1)
"I’ve banked with them since I got to Chicago more than 8 years ago and have had a great experience."
#65
Glens Falls National
5.0
(1)
"I have had Glens Falls National my whole life with no issues."
#66
Al Salam Bank
5.0
(1)
"Al Salam Bank app is hands down the best banking app I have ever tried fr !"
#67
Oregon Pacific
5.0
(1)
"Vicki Gray is great for business banking."
#68
FSB
4.0
(1)
"If you're a member of the FSB check with them."
#69
Trustco
4.0
(1)
"I've had a Trustco account for decades without issue."
#70
Broadview
4.0
(1)
"I would try Broadview I've never had a problem with them."
#71
CGD
4.0
(1)
"I love mine at CGD, but many others hate CGD."
#72
TD
4.0
(1)
"A lot of the guys I worked with and for sometimes dealt with TD, they said it worked best for them"
#73
Ally
4.0
(1)
"I hear good things about Allie on line as well."
#74
American Express
4.0
(1)
"Also considering E*Trade or American Express."
#75
E*Trade
4.0
(1)
"Also considering E*Trade or American Express."
#76
Various Banks
4.0
(1)
"Pili ka na lang from these banks which you think ang swak sayo."
#77
DFCC Bank
4.0
(1)
"You should open a corporate account with DFCC, because the initial deposit is only 25,000."
#78
HDFC, Axis, ICICI
4.0
(1)
"Any private bank should assist you with good quality apps like HDFC, Axis, ICICI, etc."
#79
Axos Bank
4.0
(1)
"We've been using Axos Bank for the last ~5 years. You can sign up remotely, and they don't have initial opening minimums or monthly fees."
#80
Scapia
4.0
(1)
"Scapia RuPay gives flat 5% on UPI spends."
#81
Lloyds
4.0
(1)
"We've chosen Lloyds as our day to day."
#82
Betterment
4.0
(1)
"I use one named betterment, it’s an online only bank but they mail u a card"
#83
Sadapay
4.0
(1)
"Sadapay"
#84
UW and Heartland Credit Unions
4.0
(1)
"The UW and Heartland Credit Unions are good, unless you need to set up a business trust account."
#85
SELCO
4.0
(1)
"I’m very happy."
#86
Standard Chartered
4.0
(1)
"Standard Chartered and Meezan works well."
#87
Dannemora
4.0
(1)
"Credit union like Dannemora"
#88
Indiana Members Credit Union
4.0
(1)
"Indiana members credit union, nice"
#89
Eastern Bank
4.0
(1)
"Eastern Bank"
#90
Dannemora Federal Credit Union
4.0
(1)
"I reccomend a credit union. I use a d really like dannemora federal credit union."
#91
Halifax
4.0
(1)
"Halifax is pretty good."
#92
Frimi
4.0
(1)
"Frimi is good compared to the combank app."
#93
Interactive Brokers
4.0
(1)
"Interactive brokers will give you SOFR + (75 to 150)bps depending on how much you borrow without negotiation."
#94
Fidelity
4.0
(1)
"Negotiated rate of 5.62%."
#95
BBK
3.0
(1)
"BBK ALSALAM BISB ILA"
#96
Super.money
3.0
(1)
"Super.money = upto 5% (less than 1% avg realistically)"
#97
Kredit.pe
3.0
(1)
"Kredit.pe = 2% in coins"
#98
Morgan Stanley
3.0
(1)
"I set up. I haven’t used it or needed to so need to look into any details."
#99
SGBS
3.0
(1)
"They have an application that allows you to fund your wallet money."
#100
M&S
1.0
(1)
"Not the M&S credit card. Painful to use."
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