Best online banking on Reddit
228 reviews from r/personalfinance, r/DaveRamsey, r/retirement and 15 more subreddits
228 reviews from
and
By Brand
/By Product
#1
Ally
4.7
(43)
"Everything works smoothly and they have very few fees."
"My Dad moved most everything to Ally too, and has had to call them numerous times."
"Very easy to make transfers to my regular checking."
"I use Ally for my HYSA. Has a nice buckets feature."
"We closed our chase account and work with Ally only now."
"Ally for sure!!"
"Ally has been killing it with the rate increases."
"Ally for most of my banking."
"Ally and Charles Schwab are what we use and both are amazing."
"I use Ally for online savings account..."
#2
Capital One
4.2
(10)
"For checking, savings, and credit cards: Capital One."
"I use Capital One. Switched over from a local credit union about two years ago."
"Capitol One (easy to open a CD) and/or American Express have been great."
"Capital one."
"I use Ally and Capital One. Happy with both!"
"Capital One. They also have brick and mortar branches."
"Like the Capital One app more."
"Capital One has good digital presence."
"I personally went with Capital One because they had a new customer promotion."
"I personally have a Capital One Savings account which I didn't see anyone mention."
#3
Credit Union
4.2
(9)
"I have a credit union and it has good online banking services."
"Find a credit union. I can't believe how much people are recommending massive banks."
"I'm up to 5 online credit unions (some may have physical locations, but none near me), plus a local CU. There's nothing wrong with multiple CUs."
"They are better than any of the major banks."
"I'd recommend finding a solid credit union."
"Go with a Credit Union over a bank."
"Your local credit union - or any credit union really."
"I generally avoid banks and use a credit union."
"Another thing to look into would be credit unions. There’s some great ones with features like mobile banking."
#4
Discover
4.5
(8)
"Discover is consistently one of the best picks."
"I personally have both Ally and discover banks and I have great customer service with both."
"Discover. Free everything great customer service."
"I prefer Discover because: it integrates with my credit card login."
"I’ve had good luck with both Discover and Capital One."
"I have discover, also have Ally, but prefer Discover."
"Discover has better customer service."
"Discover is best if you want checking + savings at one bank."
#5
Charles Schwab
4.8
(6)
"Every time I have called them, there's no wait time."
"If you travel abroad at all, Charles Schwab Investment Checking is fantastic."
"Is the best online bank."
"They reimburse all ATM fees worldwide."
"Schwab is pretty well regarded."
"Anything with a high yield savings account. Charles Schwab, Ally, etc."
#6
Fidelity
4.7
(6)
"I use Fidelity."
"I like fidelity, the cash management service is like mint."
"You can do everything at Fidelity for free."
"Amazing service. Free trades. Free ATMs everywhere and no fees for checking."
"Don't overlook brokerage accounts at places like Fidelity, Schwab, Vanguard."
"I have no experience with an online only bank but I do like the 2% I get back on my Fidelity card."
#7
NatWest
4.2
(5)
"Natwest consistently win best bank for online services, and I can't fault them."
"I've been with Natwest for years and they're really good. The app is fantastic!"
"Can't fault either of them."
"Natwest and Nationwide, both have good apps and online banking. Nationwide is slightly better in this respect."
"Natwest/RBS have a decent system."
#8
Hana
5.0
(4)
"Hana and Shinhan both have apps that work very well."
"Hana and Woori are easy to use for foreigners."
"Hana is overall the preferred bank for foreigners."
"I find their app very helpful."
#9
SoFi
4.8
(4)
"SoFi has been great for us."
"SoFi's rate of 4.6% is better than Capital One 4.35%."
"Join me to start earning more money with SoFi Checking and Savings."
"I love SoFi… The transfer ability to create custom “vaults” is incredible."
#10
Nationwide
4.8
(4)
"Nationwide and Halifax have the best online and mobile banking that I've used."
"Nationwide is slightly better in this respect and much better for interest rates and ethics."
"The Nationwide app and site are really easy to use and very reliable."
"I really like Nationwide's online banking."
#11
Alliant Credit Union
4.5
(4)
"They're awesome."
"Alliant and Ally have features that put them above the other two."
"I like Alliant Credit Union, heard great things about Charles Schwab."
"One very important perk of my online bank is that they refund up to $20/mo of any ATM fees."
#12
Monzo
4.3
(4)
"Monzo and starling."
"I never had an issue with ANZs app."
"Best part about Monzo is the instant notification and the ability to track your spending very easily."
"Check out www.monzo.com."
#13
Halifax
4.0
(4)
"I've found Halifax's to be very good."
"Both Lloyds and Halifax. Their mobile app works flawlessly as well."
"Halifax is pretty good. Easy to navigate."
"Halifax Clarity or the Lloyds Avios Reward for FX-fee free transactions."
#14
Barclays
3.8
(4)
"They always have one of the highest rates."
"Barclays online and mobile app are excellent for personal accounts."
"Barclays are great."
"The worst have been Barclays, M&S and First Direct."
#15
Marcus
4.7
(3)
"I’ve been very happy with Marcus."
"Marcus is goldamn Sachs online high yield saving acckunt they have a new app."
"Very easy to apply via the app."
#16
Shinhan
4.7
(3)
"Shinhan was by far the best."
"I have been using it for like 6 years no problems at all."
"It's good to have more than one bank."
#17
Citibank
4.7
(3)
"Citi is quite fast with dispatching wires."
"Citi Bank is second to none on the international front."
"Citibank and K Bank are my go to."
#18
Aspiration
4.7
(3)
"These guys are awesome."
"The best banking experiences I've had."
"I use online banks. Aspiration, Chime, Varo, and now Credit Karma are all good."
#19
KBank
4.3
(3)
"Is the best for online app."
"K Bank are my go to."
"Kbank works much better than the other two."
#20
Schwab
4.3
(3)
"I use schwab for checking and ally for savings."
"I have a Schwab investment checking account, and then I also use Schwab for my RothIRA and my brokerage."
"If i were in your shoes, I'd probably go Schwab and then pick your HY savings of choice."
#21
Local Credit Union
4.0
(3)
"I like local a credit union myself."
"I have been with my local credit union for years now."
"Most over little to no fees, great benefits, online tools and apps."
#22
Lloyds
4.0
(3)
"Both Lloyds and Halifax. They share the same type of portal, just with different color schemes."
"Surprisingly, the Lloyds portal is good."
"Lloyds Avios Reward for FX-fee free transactions."
#23
Chase
4.0
(3)
"Chase online banking is great in my opinion."
"I do have a contact in Chase whom I can call when I need something done."
"Their app is pretty great."
#24
USAA
5.0
(2)
"They post deposits as soon as they are made aware."
"They have the best online interface I've ever used."
#25
RBC
4.5
(2)
"I use it, easy to open different student chequing/savings accounts."
"We have been with RBC for a bit now and have been happy with it so far."
#26
AIB
4.5
(2)
"AIB is the easiest to use"
"I'm with AIB, their online services are pretty solid."
#27
Revolut
4.5
(2)
"I recently got my revolut card and I find it very easy to use"
"I would just recommend Revolut for the overseas transactions."
#28
CIT Bank
4.5
(2)
"No problems at all with CIT bank."
"I use CIT’s Savings Builder account for my emergency savings."
#29
ING
4.5
(2)
"I ditched the Big 4 and switched to ING and Citibank."
"There are plenty of other banks are second tier that can do all of the above and are more competitive i.e. ING, Macquarie, Citibank."
#30
UFB Direct
4.5
(2)
"I have a 5.02% APY, federally insured, savings account."
"UFB Direct is my current choice. 5.02% and directly links to chase for instant transfers."
#31
American Express
4.5
(2)
"Any time I have had to deal with AmEx customer support it has been absolutely frictionless."
"You can take your money out at anytime."
#32
Simple
4.0
(2)
"It's great for managing your money."
"I love my bank. It’s called Simple."
#33
Simple Bank
4.0
(2)
"I feel like I'm leaning Ally > Simple > Charles Schwab but all seem great."
"I actually use a 2 bank system where Simple is for most stuff."
#34
E*Trade
4.0
(2)
"I’ve used Etrade (~30 years) and Discover (10 years) and am happy with both."
"I will add a vote for E*Trade as a basic bank/brokerage combo."
#35
Lending Club
4.0
(2)
"I've been super happy with Lending Club."
"It’s a little lower (4.5%) but has no minimum, easy transfers."
#36
CIBC
4.0
(2)
"CIBC has no monthly fees till 25 if you’re a student."
"CIBC = brick and mortar and simplii = their online version."
#37
Various Banks
3.5
(2)
"Personally, I would recommend picking a bank that has a branch you could go if the need arises - even if you intend to do all of your banking online."
"There is no perfect fit. Everything has its pros and cons."
#38
First Direct
3.5
(2)
"First Direct."
"First Direct app is pretty crud. Their service is good but I really need to interact with them."
#39
Ally Bank
2.5
(2)
"I feel like I'm leaning Ally > Simple > Charles Schwab but all seem great."
"Ally just closed my checking and savings accounts with 2 days notice."
#40
NFCU
5.0
(1)
"$$$ transfer between all these accounts within seconds."
#41
BNZ
5.0
(1)
"I find the BNZ app to be ahead of the others."
#42
Axos
5.0
(1)
"I recommend Axos. No fees or minimums of any kind."
#43
Wealthfront
5.0
(1)
"I recently started using the Wealthfront Cash Account. It was paying 4.05% APY."
#44
Wise Bank
5.0
(1)
"I recommend Wise Bank for online banking due to the many account types you can open in different currencies."
#45
Betterment
5.0
(1)
"We are currently using Betterment and have everything under 1 umbrella."
#46
Clear Water Credit Union
5.0
(1)
"They are a credit union based out of Missoula, MT."
#48
Commonwealth Bank
5.0
(1)
"Commonwealth Bank has the best app."
#49
DSK
5.0
(1)
"I’m currently with DSK and they are by far the best IMO."
#50
CBQ
5.0
(1)
"CBQ's is amazing."
#51
QNB
5.0
(1)
"I would recommend QNB"
#52
ManulifeBank
5.0
(1)
"Easy to use app, no fees with $1k balance, interest paid, US$ account available."
#53
Ivy Bank
5.0
(1)
"They had a 5.30% guaranteed rate."
#54
FNBO
5.0
(1)
"I have had an online-only account at FNBO Online for many, many, many years."
#55
CFG
5.0
(1)
"Been awesome."
#56
Toss
5.0
(1)
"Best Korean bank app and they don’t discriminate against foreigners."
#57
Tossbank
5.0
(1)
"They are easy to use and their cards look fancy."
#58
TAB Bank
5.0
(1)
"I go with TAB Bank, online bank out of Utah, their high yield checking is at 2% up to $25k max right now...."
#59
Metro Bank
5.0
(1)
"Use metro bank - the only bank that opens late and on weekends."
#60
Hubert Financial
5.0
(1)
"Hubert Financial also does a 1 year cashable GIC that pays up to 5.15%."
#61
Bankrate
4.0
(1)
"Try Bankrate.com to find the best rates on Savings and CDs."
#62
Discover Bank
4.0
(1)
"Online banking with Discover Bank (1% cash back on your debit purchases) and brick and mortar with a local credit union."
#63
British Airways Amex
4.0
(1)
"Get the free British Airways Amex card."
#64
QIB
4.0
(1)
"The QIB app is the most advanced in features."
#65
Bank of Scotland
4.0
(1)
"Bank of Scotland's is very good."
#66
Tide
4.0
(1)
"Can't fault either of them."
#67
TMobile
4.0
(1)
"Offers 4% on the first $3,000."
#68
Tangerine
4.0
(1)
"Tangerine."
#69
SoFi Money
4.0
(1)
"It's hard to beat."
#70
Axos Bank
4.0
(1)
"I'm using Axos Bank."
#71
Synchrony
4.0
(1)
"I’ve always used Synchrony to park my emergency savings."
#72
Baxter Credit Union
4.0
(1)
"Im with Baxter Credit Union."
#73
Capital One 360
4.0
(1)
"I have them for two years now and I like it."
#74
Vio Bank
4.0
(1)
"I use Vio Bank for savings."
#75
CBA
4.0
(1)
"Cba is pretty good."
#76
BMO
4.0
(1)
"I use BMO for their cheap digital only business banking and haven’t had issues with them"
#77
Novo
4.0
(1)
"I really love my account at Novo."
#78
UFB
4.0
(1)
"I opened one with UFB and have been happy."
#79
Raisin
4.0
(1)
"I use Raisin and swap between banks with better yields."
#80
Bask
4.0
(1)
"No issues, higher rate."
#81
Woori
4.0
(1)
"For me Woori bank and cards were good for me."
#82
Mercury
4.0
(1)
"I like it. IT does everything including wire transfers."
#83
Macquarie
4.0
(1)
"If you want to include the 'Big 4' then you should include Macquarie Bank."
#84
Raiffeisen
4.0
(1)
"Out of all the online banking services I've seen I'd recommend Reifeissen."
#85
Fibank
4.0
(1)
"I mostly use Fibank and I am satisfied with the online banking."
#86
Major Banks and Credit Unions
4.0
(1)
"I'd bet just about every major bank and credit union has easy online banking these days."
#87
Société Générale
4.0
(1)
"Societe Generale has adequate online banking."
#88
Zelle
4.0
(1)
"Zelle website has a list of banks they work with."
#89
Various Online Banks
4.0
(1)
"Having an online savings account are great to automate and forget about it."
#90
Doctor of Credit
4.0
(1)
"Some of the banks offer alternatives to Direct Deposit to get the bonuses."
#91
Bank of Ireland
3.0
(1)
"Bank of Ireland’s is pretty basic but is due to be significantly upgraded."
#92
Smile
2.0
(1)
"Avoid smile (if they're still going), for an online-only bank, the interface used to be dreadful."
#93
Self
2.0
(1)
"I'd rather avoid paying money just to build a score."
Discover your audience
GummySearch is an audience research toolkit for 130,000 unique communities on Reddit.
If you are looking for startup problems to solve, want to validate your idea or find your first customers online, GummySearch is for you.
Sign up for free, get community insights in minutes.
Tell me more
Get started
