Which Neobanks Will Rise Or Fall? (2026)

Continues to dominate with over 110 million customers , leveraging its high transparency and credit-led model.

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. Which neobanks will rise or fall?

The "winners" in 2026 are those that have successfully transitioned from being just "sleek apps" to comprehensive financial ecosystems with full banking licenses and diversified revenue. Continues to dominate with over 110 million customers

Both have achieved sustained profitability by moving into SME banking and lending. Starling’s focus on its "Banking-as-a-Service" infrastructure is now a key growth engine. Which neobanks will rise or fall?

Neobanks failing in 2026 typically share one trait: they failed to find a "path to profit" beyond free accounts.