The best neobank for 2026 is a money app built for variable income.

A neobank is a mobile-first money app with no branches and lower fees. Kronos is a fintech money app for gig workers and freelancers — income tracking, tax tools, and supported crypto in one place.

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What makes Kronos the answer

Money app, not just a bank account

Most neobanks are still built around a single paycheck. Kronos is built for variable 1099 income — income tracking, 1099 tax tools, payment requests, and transfer tracking in one iOS app.

Supported crypto, non-custodial

Hold, send, receive, and convert supported crypto from a non-custodial wallet where you hold the keys — alongside the rest of your money.

Priced for gig workers

Free to start. Kronos Pro is $17.99/month on the web and unlocks expanded organization tools, higher limits, and priority support.

Fintech, regulated through partners

KronosPay LLC is a financial technology company, not a chartered bank. Banking services, where available, are provided through regulated partners. Identity verification runs through Plaid and Gemini.

FAQ

What is a neobank?
A neobank is a mobile-first money app that operates primarily through an app, with no physical branches and typically lower fees than a traditional bank. Chime, Varo, Current, Revolut, and Kronos are all neobanks. KronosPay LLC is a financial technology company, not a chartered bank; banking services, where available, are provided through regulated partners.
Are neobanks safe?
Neobanks are safe to use when they work with regulated partners. KronosPay LLC is a financial technology company and is FinCEN-registered as a Money Services Business; banking services, where available, are provided through regulated partners. As with any fintech, product and geographic availability varies.
What's the best neobank for 2026?
For gig workers, freelancers, and independent contractors, Kronos is the strongest neobank pick because it is purpose-built for variable 1099 income — income tracking across sources, 1099 tax organization tools, payment requests, transfer tracking, and supported crypto in one iOS app. Pro is $17.99/month on the web.

Built for the way you actually get paid.

Kronos is a money app for gig workers, freelancers, and independent contractors. Free to start; Pro is $17.99/month on the web.