What are the best digital banking platforms?

As of my last update in October 2023, several digital banking platforms have gained popularity for their features, user experience, and overall service quality. Here are some of the best digital banking platforms:

1. **Chime**: Known for its user-friendly interface, Chime offers no monthly fees, early direct deposit, and automatic savings features. It also provides a Visa debit card and access to a network of ATMs.

2. **Ally Bank**: Ally is an online-only bank that offers competitive interest rates on savings accounts, no monthly maintenance fees, and a robust mobile app. It also provides a range of financial products, including auto loans and investment services.

3. **N26**: This European-based digital bank has expanded to the U.S. and offers a sleek app, no foreign transaction fees, and real-time transaction notifications. N26 is known for its transparency and ease of use.

4. **Revolut**: Originally a fintech app for currency exchange, Revolut has expanded into banking services, offering features like budgeting tools, cryptocurrency trading, and international money transfers with low fees.

5. **Varo Bank**: Varo is a mobile banking platform that offers no monthly fees, high-interest savings accounts, and early direct deposit. It also provides tools for budgeting and saving.

6. **SoFi**: SoFi offers a range of financial products, including banking, investing, and loans. Its banking services include no-fee checking and savings accounts, along with financial planning tools.

7. **Marcus by Goldman Sachs**: This online bank is known for its high-yield savings accounts and no-fee personal loans. It offers a straightforward user experience and competitive interest rates.

8. **Simple**: Although it was acquired by BBVA and later shut down, Simple was known for its budgeting tools and user-friendly interface. Users looking for similar features might consider other platforms like Chime or Varo.

9. **Cash App**: While primarily known as a peer-to-peer payment app, Cash App also offers banking features, including a Cash Card, direct deposit, and the ability to buy Bitcoin.

10. **Aspiration**: Aspiration focuses on socially responsible banking, offering features like cash back on purchases at environmentally friendly businesses and the option to pay what you think is fair for fees.

When choosing a digital banking platform, consider factors such as fees, interest rates, customer service, and the specific features that are most important to you. Always check for the latest reviews and updates, as the digital banking landscape can change rapidly.