Category

Banking programs

Every Banking program, ranked by value, with eligibility and how to claim.

Updated daily · checked 30 min ago
118live programs
121in this category

StartupPerks tracks 121 programs in the Banking category. Ranked by benefit value, biggest first, each with its eligibility and how to apply.

By the numbers
95%
of 121 programs open to any startup
118
taking applications at the latest read
$1,750
median stated value (largest $2,500)
67
terms checked on the provider's page in the last 30 days

Computed from each program's own page as it stands now. Our reads found 1 change here in the last 90 days, listed in what changed.

Best Business Bank Accounts for Startups (2026)Fees, deposit insurance, yield and who can open each account, read from each provider's own pages, plus every business account we track by region.
Biggest valueStripe Atlas (Incorporation + Credits + Perks)$2.5KHighest headline value in this category.Best ongoingAccelerator CheckingUp to 1.35% APYFree or recurring, not a one-time credit.
Available now

Programs in this category

Live startup credits, perks, and deals, ranked by benefit value, each with its eligibility and how to claim.

BankingCredits
Stripe Atlas (Incorporation + Credits + Perks)

Stripe

Terms checked

Value
$2.5K
Who qualifies
No funding needed
Provider
Stripe
BankingCredits
Circle Credits Program

Circle

Terms checked

Value
Up to $1K
Who qualifies
No funding needed
Provider
Circle
BankingFree plan
Accelerator Checking

Grasshopper Bank

Terms checked

Value
Up to 1.35% APY
Who qualifies
No funding needed
Provider
Grasshopper Bank
BankingFree plan
Airwallex Explore plan

Airwallex

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Airwallex
BankingDiscount
Airwallex for Startups (Australia and New Zealand)

Airwallex

Terms checked

Value
AUD$100K
Who qualifies
Any startup
Provider
Airwallex
BankingDiscount
Airwallex for Startups (Singapore)

Airwallex

Terms checked

Value
2% cashback + fee-free S$20K
Who qualifies
VC / accelerator-backed
Provider
Airwallex
BankingCredits
Airwallex for Startups (US)

Airwallex

Terms checked

Value
$150K
Who qualifies
VC / accelerator-backed
Provider
Airwallex
BankingCash & rewards
Alaan Corporate Cards & Business Account

Alaan

Terms checked

Value
Premium 3 months free
Who qualifies
No funding needed
Provider
Alaan
BankingFree plan
ANNA Business Account (free plan)

ANNA Money

Terms checked

Value
Free (£0 per month)
Who qualifies
No funding needed
Provider
ANNA Money
BankingCash & rewards
Arc Treasury & Cash Management for Startups

Arc

Terms checked

Value
Up to 4.00% yield
Who qualifies
VC / accelerator-backed
Provider
Arc
BankingFree plan
Asaas Conta Digital PJ

Asaas

Terms checked

Value
See offer
Who qualifies
No funding needed
Provider
Asaas
BankingProgram
Aspire for Startups Rewards

Aspire

Terms checked

Value
$500k+ in partner perks
Who qualifies
No funding needed
Provider
Aspire
BankingCredits
Belvo para Startups

Belvo

Terms checked

Value
R$25,000
Who qualifies
No funding needed
Provider
Belvo
BankingFree plan
BILL Spend & Expense (formerly Divvy)

BILL Spend & Expense (Divvy)

Terms checked

Value
Free spend software
Who qualifies
No funding needed
Provider
BILL Spend & Expense (Divvy)
BankingFree plan
Bluevine Business Checking (Standard)

Bluevine

Terms checked

Value
Up to 3.0% APY
Who qualifies
Any startup
Provider
Bluevine
BankingFree plan
Breez SDK

Breez

Terms checked

Value
Free and open-source
Who qualifies
No funding needed
Provider
Breez
BankingFree plan
Brex Essentials plan

Brex

Terms checked

Value
Free plan
Who qualifies
No funding needed
Provider
Brex
BankingCredits
Brex for Startups (partner perks)

Brex

Terms checked

Value
Over $350,000 in partner discounts
Who qualifies
Any startup
Provider
Brex
BankingFree plan
bunq Free Business

bunq

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
bunq
BankingFree plan
Cashfree Payments (free onboarding)

Cashfree Payments

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Cashfree Payments
BankingFree plan
Center CenterCard spend management

Center

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Center
BankingFree plan
Chimoney for Startups

Chimoney

Terms checked

Value
Free for 6 months
Who qualifies
Any startup
Provider
Chimoney
BankingCash & rewards
Clara for Startups

Clara

Terms checked

Value
No personal guarantee
Who qualifies
No funding needed
Provider
Clara
BankingCash & rewards
Cledara (SaaS management + cashback)

Cledara

Terms checked

Value
1% cash back
Who qualifies
No funding needed
Provider
Cledara
BankingCash & rewards
Coast Fuel & Expense Cards

Coast

Terms checked

Value
See offer
Who qualifies
Incorporated
Provider
Coast
BankingFree plan
ComplyControl SafeStart

ComplyControl

Terms checked

Value
12 months free
Who qualifies
Any startup
Provider
ComplyControl
BankingFree plan
Cora Conta PJ (free business account)

Cora

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Cora
BankingFree plan
Countingup Business Account (free trial)

Countingup

Terms checked

Value
3 month free trial
Who qualifies
No funding needed
Provider
Countingup
BankingFree plan
Djamo Business Account

Djamo

Terms checked

Value
Borrow up to 1,000,000 F
Who qualifies
No funding needed
Provider
Djamo
BankingCredits
Dodo for Startups

Dodo Payments

Terms checked

Value
Free
Who qualifies
Any startup
Provider
Dodo Payments
BankingFree plan
Eversend Business

Eversend

Terms checked

Value
No monthly fees
Who qualifies
No funding needed
Provider
Eversend
BankingFree plan
Expensify Free plan + Expensify Card

Expensify

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Expensify
BankingFree plan
Expensify Submit plan (free for employees)

Expensify

Terms checked

Value
Free plan
Who qualifies
No funding needed
Provider
Expensify
BankingFree plan
Fincra Business Account

Fincra

Terms checked

Value
Free virtual account
Who qualifies
No funding needed
Provider
Fincra
BankingFree plan
Finom Free Business Account

Finom

Terms checked

Value
Free plan
Who qualifies
No funding needed
Provider
Finom
BankingFree plan
Fireblocks for Startups

Fireblocks

Terms checked

Value
Free Developer Sandbox
Who qualifies
No funding needed
Provider
Fireblocks
BankingCash & rewards
Flex Business Banking & Cards

Flex

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Flex
BankingCash & rewards
Float for Startups

Float Financial

Terms checked

Value
Up to 3.75% yield
Who qualifies
Incorporated
Provider
Float Financial
BankingFree plan
Flutterwave for Business (free store)

Flutterwave

Terms checked

Value
Free ecommerce website
Who qualifies
No funding needed
Provider
Flutterwave
BankingFree plan
Found Free Business Banking

Found

Terms checked

Value
Free
Who qualifies
Any startup
Provider
Found
BankingFree plan
Free Business Bank Account

Zempler Bank

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Zempler Bank
BankingCash & rewards
Fyorin Financial Operations

Fyorin

Terms checked

Value
See offer
Who qualifies
Incorporated
Provider
Fyorin
BankingDiscount
GoCardless 90 days of fee-free transactions

GoCardless

Terms checked

Value
Fees waived
Who qualifies
No funding needed
Provider
GoCardless
BankingFree plan
Grey Business Accounts

Grey

Terms checked

Value
No monthly fees
Who qualifies
No funding needed
Provider
Grey
BankingFree plan
Griffin Free Sandbox (BaaS)

Griffin

Terms checked

Value
Free forever
Who qualifies
No funding needed
Provider
Griffin
BankingDiscount
Grow with Payhawk (Growth Program)

Payhawk

Terms checked

Value
85% off
Who qualifies
No funding needed
Provider
Payhawk
BankingFree plan
HSBC Innovation Banking for Startups

HSBC Innovation Banking

Terms checked

Value
Startup banking + perks
Who qualifies
VC / accelerator-backed
Provider
HSBC Innovation Banking
BankingProgram
Innovation Economy Banking (J.P. Morgan for Startups)

J.P. Morgan

Terms checked

Value
See offer
Who qualifies
Any startup
Provider
J.P. Morgan
BankingFree plan
Innovator Business Checking

Grasshopper Bank

Terms checked

Value
Up to 1.35% APY
Who qualifies
No funding needed
Provider
Grasshopper Bank
BankingFree plan
Instamojo Forever Free Plan

Instamojo

Terms checked

Value
Free plan at ₹0/yr
Who qualifies
No funding needed
Provider
Instamojo
BankingFree plan
Jeeves Basic plan

Jeeves

Terms checked

Value
Free · up to 10 users
Who qualifies
No funding needed
Provider
Jeeves
BankingCash & rewards
Jeeves Corporate Card & Rewards

Jeeves

Terms checked

Value
Up to 1% cash back
Who qualifies
Any startup
Provider
Jeeves
BankingCash & rewards
Juni Business Account + Cashback

Juni

Terms checked

Value
Free (€0/month)
Who qualifies
Incorporated
Provider
Juni
BankingCash & rewards
Karbon Corporate Cards

Karbon Card

Terms checked

Value
Up to 60% off
Who qualifies
No funding needed
Provider
Karbon Card
BankingFree plan
Keep Corporate Card & Banking

Keep

Terms checked

Value
90-day free trial
Who qualifies
Incorporated
Provider
Keep
BankingFree plan
Klasha Business Accounts

Klasha

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Klasha
BankingProgram
Kodo for Startups

Kodo

Terms checked

Value
Startup spend management
Who qualifies
No funding needed
Provider
Kodo
BankingFree plan
Kontist Free Business Account

Kontist

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Kontist
BankingFree plan
Kuda Business

Kuda

Terms checked

Value
Free account opening
Who qualifies
No funding needed
Provider
Kuda
BankingFree plan
Lili Core (Free Business Checking)

Lili

Terms checked

Value
Free
Who qualifies
Any startup
Provider
Lili
BankingCash & rewards
Mamo Business (cashback)

Mamo

Terms checked

Value
Free plan
Who qualifies
No funding needed
Provider
Mamo
BankingFree plan
Mari Business Account

MariBank

Terms checked

Value
$0 banking fees
Who qualifies
No funding needed
Provider
MariBank
BankingFree plan
Market Data Free Forever

Market Data

Terms checked

Value
Free Forever plan
Who qualifies
No funding needed
Provider
Market Data
BankingCash & rewards
Meow Business Banking for Startups

Meow

Terms checked

Value
No fees
Who qualifies
Incorporated
Provider
Meow
BankingFree plan
Mercury (startup banking + Perks marketplace)

Mercury

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Mercury
BankingCash & rewards
Mercury Business Banking + Referral Bonus

Mercury

Terms checked

Value
See offer
Who qualifies
Any startup
Provider
Mercury
BankingFree plan
Mesh Pro (free plan)

Mesh Payments

Terms checked

Value
Free for up to 3 users
Who qualifies
No funding needed
Provider
Mesh Payments
BankingFree plan
Mettle Business Account

Mettle by NatWest

Terms checked

Value
Free business account
Who qualifies
No funding needed
Provider
Mettle by NatWest
BankingFree plan
Mollie Startup Program

Mollie

Terms checked

Value
€75,000
Who qualifies
Any startup
Provider
Mollie
BankingFree plan
Moniepoint Business Banking

Moniepoint

Terms checked

Value
Free bank accounts
Who qualifies
No funding needed
Provider
Moniepoint
BankingFree plan
Monzo Business Lite (free)

Monzo

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Monzo
BankingFree plan
Moss Corporate Cards & Spend Management

Moss

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Moss
BankingFree plan
N26 Business Standard (free)

N26

Terms checked

Value
0.1% cash back
Who qualifies
No funding needed
Provider
N26
BankingFree plan
Novo Perks

Novo

Terms checked

Value
More than $3,000 in partner perks
Who qualifies
No funding needed
Provider
Novo
BankingFree plan
Open-Source Ledger

Blnk

Terms checked

Value
5-day free trial
Who qualifies
No funding needed
Provider
Blnk
BankingFree plan
Open-Source Ledger Core

Formance

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Formance
BankingFree plan
Open-Source Ledger Database

TigerBeetle

Terms checked

Value
Free and open source
Who qualifies
No funding needed
Provider
TigerBeetle
BankingFree plan
OxaPay Crypto Gateway

OxaPay

Terms checked

Value
No setup fee
Who qualifies
No funding needed
Provider
OxaPay
BankingFree plan
Payoneer Business Account

Payoneer

Terms checked

Value
See offer
Who qualifies
Any startup
Provider
Payoneer
BankingDiscount
Paypercut for Startups

Paypercut

Terms checked

Value
See offer
Who qualifies
Incorporated
Provider
Paypercut
BankingFree plan
Paystack for Startups (Catalyst)

Paystack

Terms checked

Value
Discount
Who qualifies
Any startup
Provider
Paystack
BankingCredits
Paytm for Startups

Paytm

Terms checked

Value
INR 6 lakh
Who qualifies
Any startup
Provider
Paytm
BankingCash & rewards
Pemo Corporate Cards & Business Account

Pemo

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Pemo
BankingFree plan
Pleo for Startups

Pleo

Terms checked

Value
Free trial
Who qualifies
No funding needed
Provider
Pleo
BankingCash & rewards
Pliant Business Credit Card

Pliant

Terms checked

Value
Unlimited cashback
Who qualifies
Incorporated
Provider
Pliant
BankingFree plan
Prospa Business Banking

Prospa

Terms checked

Value
Business bank account
Who qualifies
No funding needed
Provider
Prospa
BankingCash & rewards
Qashio Lite (free plan)

Qashio

Terms checked

Value
Free plan
Who qualifies
No funding needed
Provider
Qashio
BankingFree plan
Qonto Business Account (free tier + startup offer)

Qonto

Terms checked

Value
30-day free trial
Who qualifies
No funding needed
Provider
Qonto
BankingFree plan
Ramp Free plan

Ramp

Terms checked

Value
$0/mo/user
Who qualifies
No funding needed
Provider
Ramp
BankingProgram
Razorpay Rize

Razorpay

Terms checked

Value
Credits
Who qualifies
No funding needed
Provider
Razorpay
BankingFree plan
Relay Starter (Free Business Banking)

Relay

Terms checked

Value
Free
Who qualifies
Any startup
Provider
Relay
BankingFree plan
Revolut Business (free Basic plan in Singapore)

Revolut Business

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Revolut Business
BankingCash & rewards
Rho Business Banking + Treasury

Rho

Terms checked

Value
Up to 2% cash back
Who qualifies
Incorporated
Provider
Rho
BankingFree plan
Rho expense management

Rho

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Rho
BankingFree plan
Settle Launch (free plan)

Settle

Terms checked

Value
Free Launch plan
Who qualifies
No funding needed
Provider
Settle
BankingFree plan
Shine Compte Pro (free plan)

Shine

Terms checked

Value
Free plan
Who qualifies
No funding needed
Provider
Shine
BankingDiscount
Skydo Cross-border Payments

Skydo

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Skydo
BankingFree plan
Slash Business Banking & Cards

Slash

Terms checked

Value
$1M+ in exclusive startup perks
Who qualifies
Any startup
Provider
Slash
BankingProgram
Sleek Free Incorporation + Business Account

Sleek

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Sleek
BankingCredits
Socure Launch

Socure

Terms checked

Value
$1,000
Who qualifies
No funding needed
Provider
Socure
BankingFree plan
Starling Business Current Account

Starling Bank

Terms checked

Value
No monthly fees
Who qualifies
No funding needed
Provider
Starling Bank
BankingCredits
Stripe Startups Program

Stripe

Terms checked

Value
Fees waived
Who qualifies
VC / accelerator-backed
Provider
Stripe
BankingFree plan
SVB Startup Banking (First Citizens Innovation Banking)

Silicon Valley Bank

Terms checked

Value
Up to 250,000 points
Who qualifies
VC / accelerator-backed
Provider
Silicon Valley Bank
BankingCash & rewards
Tide Business Account

Tide

Terms checked

Value
£75
Who qualifies
Any startup
Provider
Tide
BankingDiscount
Twelve Data Early Stage Program

Twelve Data

Terms checked

Value
20% off
Who qualifies
Any startup
Provider
Twelve Data
BankingCash & rewards
Venn Business Account & Card

Venn

Terms checked

Value
Free Essentials plan
Who qualifies
Incorporated
Provider
Venn
BankingCash & rewards
Vivid Business (cashback + free plan)

Vivid Money

Terms checked

Value
Business account from €0/month
Who qualifies
No funding needed
Provider
Vivid Money
BankingFree plan
Wallester Business (free)

Wallester

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Wallester
BankingFree plan
wamo Freemium Business Account

wamo

Terms checked

Value
Free monthly fee
Who qualifies
No funding needed
Provider
wamo
BankingCash & rewards
Wayflyer Revenue-Based Funding

Wayflyer

Terms checked

Value
Non-dilutive financing
Who qualifies
Any startup
Provider
Wayflyer
BankingFree plan
Weel Corporate Cards & Spend (free trial)

Weel

Terms checked

Value
14-day free trial
Who qualifies
No funding needed
Provider
Weel
BankingFree plan
Wise Business Account

Wise

Terms checked

Value
See offer
Who qualifies
Any startup
Provider
Wise
BankingFree plan
WorldFirst World Account (free)

WorldFirst

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
WorldFirst
BankingFree plan
Xendit (free to start)

Xendit

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Xendit
BankingDiscount
XFlow Cross-border Collections

XFlow

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
XFlow
BankingFree plan
Xpence Business Account & Cards

Xpence

Value
See offer
Who qualifies
Incorporated
Provider
Xpence
BankingFree plan
XRates FX Rates API

XRates

Terms checked

Value
100 requests
Who qualifies
No funding needed
Provider
XRates
BankingFree plan
Zoho Expense Free plan

Zoho

Terms checked

Value
Free $0
Who qualifies
No funding needed
Provider
Zoho
Paused or closed

Not taking applications now

Programs in this list whose provider's page stated, at our latest read, that they are not taking new applications.

BankingCash & rewardsOffer ended October 31, 2026
Innovator Savings $300 bundle bonus

Grasshopper Bank

Terms checked

Value
$300
Who qualifies
No funding needed
Provider
Grasshopper Bank
BankingCash & rewardsOffer ended May 31, 2026
Brex New Customer Sign-Up Bonus

Brex

Terms checked

Value
Earn 90,000 points
Who qualifies
Incorporated
Provider
Brex
BankingFree planApplications paused
Zeller for Startups

Zeller

Terms checked

Value
Free
Who qualifies
No funding needed
Provider
Zeller
Referral offers

Also useful for banking and incorporation

DeelGlobal payroll, contractor payments and EOR hiring in 150+ countriesFree (opens in new tab)RipplingPayroll, HR, benefits, IT and spend on one employee recordUp to 6 months free (opens in new tab)NovoUS business checking with no monthly fee and no minimum balanceMore than $3,000 in partner perks (opens in new tab)
Questions

Banking programs: common questions

What is the most valuable Banking perk for startups?

Stripe Atlas (Incorporation + Credits + Perks) from Stripe is the highest-value Banking perk open to applications that we track, worth $2.5K.

Which Banking perks need no funding or accelerator?

112 of the 118 Banking programs are open to any startup with no investor or accelerator requirement.

How many Banking startup perks are there?

StartupPerks tracks 118 live Banking programs, each with its eligibility, value, and how to claim it.

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StartupPerks is a comparison tool and is not endorsed by the programs it lists. It is a referral partner of some providers. AITraining.jobs, Founden, AIData.Broker and GenMagic are run by the same company as StartupPerks: their listings are free, ranked by the same rules as every other program, and labeled "Same owner as StartupPerks" wherever they appear. Values and eligibility are aggregated from each provider's public pages and can change or be incomplete. Always confirm the current terms and your eligibility on the provider's own page before applying.