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Lili alternatives: 4 apps ranked by verified data

Facts checked Nov 8, 2026AppBreakup editorialHow we rankAll business banking and payment accounts

Top picks

  • Mercury logo

    Best overall

    Mercury

    Base plan: $0/month

  • Rho logo

    Best free option

    Rho

    Subscription fee: $0

Common reasons people leave Lili: US businesses only; it's a fintech, not a bank, and bookkeeping, invoicing and tax tools sit behind monthly plans. We ranked 4 alternatives by how directly each one replaces Lili, then by reviews, real visits and how recently each app's facts were checked against its own website. Mercury currently ranks first.

Quick comparison

#AppPricingVerified priceOpen sourcePlatformsVerified factsScore
1Mercury logoMercuryFree plan + paid—NoWeb, iOS, Android4 of 468.8
2Rho logoRhoFree—NoWeb, iOS, Android5 of 564.8
3Payoneer logoPayoneerPaid—NoWeb, iOS, Android7 of 761.8
4Bluevine logoBluevineFree plan + paidPlus $30/month, Premier $95/monthNoWeb, iOS, Android5 of 559.4
  1. Mercury logo

    1. MercuryTop pick

    Best for: US startups and online companies that want free, software-style business banking

    Free plan + paidWeb, iOS, Android

    68.8

    score / 100

    Why switch from Lili

    Fee-free US business banking aimed at startups, with stronger multi-user controls and treasury options.

    Pros

    • No monthly fees, overdraft fees or minimum balances
    • Free domestic wires, ACH and USD international wires
    • Extended FDIC coverage through partner bank sweeps

    Cons

    • Not a bank; accounts are held at partner banks
    • 1% currency exchange fee on non-USD international wires
    • US companies only, and no cash deposits
    Visit Mercury Details and reviews
    How this score is calculated
    Editorial fit ×0.3100
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Mercury a good Lili alternative?

    Verified facts

    4 of 4 verified
    Base plan
    $0/month
    Checked Nov 8, 2026mercury.com(opens source in a new tab)
    FDIC coverage
    Up to $5M via partner banks
    Checked Nov 8, 2026mercury.com(opens source in a new tab)
    Bank partners
    Choice Financial Group and Column N.A.
    Checked Nov 8, 2026mercury.com(opens source in a new tab)
    Non-USD wires
    1% currency exchange fee
    Checked Nov 8, 2026mercury.com(opens source in a new tab)
  2. Rho logo

    2. Rho

    Best for: US startups and growing companies wanting banking, cards and AP in one place

    FreeWeb, iOS, Android

    64.8

    score / 100

    Why switch from Lili

    No subscription fees and built-in bill pay and expense tools, better suited to growing teams.

    Pros

    • No subscription, per-user or domestic payment fees
    • Corporate cards, bill pay and expense management included
    • Large FDIC cover on savings through a bank network
    • API access and accounting integrations for finance teams

    Cons

    • US companies only; it's a fintech, not a bank
    • 1% fee on foreign currency transfers and conversions
    • Treasury product carries its own management fee
    Visit Rho Details and reviews
    How this score is calculated
    Editorial fit ×0.387
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Rho a good Lili alternative?

    Verified facts

    5 of 5 verified
    Subscription fee
    $0
    Checked Nov 8, 2026rho.co(opens source in a new tab)
    ACH, wires and checks
    $0
    Checked Nov 8, 2026rho.co(opens source in a new tab)
    FX fee
    1%
    Checked Nov 8, 2026rho.co(opens source in a new tab)
    Expense management
    Free for Rho customers
    Checked Nov 8, 2026rho.co(opens source in a new tab)
    FDIC insurance (savings)
    Up to $75M
    Checked Nov 8, 2026rho.co(opens source in a new tab)
  3. Payoneer logo

    3. Payoneer

    Best for: Freelancers and marketplace sellers outside the US who get paid by foreign clients and platforms

    PaidWeb, iOS, Android

    61.8

    score / 100

    Why switch from Lili

    Better if most of your income comes from overseas clients or marketplaces in other currencies.

    Pros

    • Covers 190+ countries and territories
    • Free transfers between Payoneer accounts and from local-currency receiving accounts
    • Direct payouts from many marketplaces and freelance platforms

    Cons

    • Annual fee if the account receives under $6,000 a year
    • Withdrawal and conversion fees vary and can add up
    • Card payments from clients cost up to 3.99% + $0.49
    Visit Payoneer Details and reviews
    How this score is calculated
    Editorial fit ×0.377
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Payoneer a good Lili alternative?

    Verified facts

    7 of 7 verified
    Coverage
    190+ countries and territories
    Checked Nov 8, 2026payoneer.com(opens source in a new tab)
    Currencies
    70+
    Checked Nov 8, 2026payoneer.com(opens source in a new tab)
    Annual account fee
    29.95 USD if under 6,000 USD received in 12 months
    Checked Nov 8, 2026payoneer.com(opens source in a new tab)
    Currency conversion between balances
    0.50%
    Checked Nov 8, 2026payoneer.com(opens source in a new tab)
    Monthly fee
    None
    Checked Nov 8, 2026payoneer.com(opens source in a new tab)
    Annual card fee
    29.95 USD
    Checked Nov 8, 2026payoneer.com(opens source in a new tab)
    Card payments from clients
    Up to 3.99% + 0.49 USD
    Checked Nov 8, 2026payoneer.com(opens source in a new tab)
  4. Bluevine logo

    4. Bluevine

    Best for: US small businesses that want fee-free online checking that earns interest

    Free plan + paidWeb, iOS, Android

    59.4

    score / 100

    Why switch from Lili

    US business checking that pays interest on balances and offers lines of credit, for small businesses past the freelancer stage.

    Pros

    • No monthly fee, minimum balance or overdraft fees on the standard plan
    • Interest on checking balances
    • FDIC coverage up to $3 million through partner banks
    • Line of credit available from the same provider

    Cons

    • US businesses only
    • Best interest rates need a paid plan
    • No branches; cash deposits go through retail partners
    Visit Bluevine Details and reviews
    How this score is calculated
    Editorial fit ×0.369
    Reviews ×0.363
    Clicks (90 days) ×0.150
    Freshness ×0.15100
    Votes ×0.150

    0 counted reviews, 0 up and 0 down votes. Full formula

    Is Bluevine a good Lili alternative?

    Verified facts

    5 of 5 verified
    Monthly fee
    None on Standard plan
    Checked Nov 8, 2026bluevine.com(opens source in a new tab)
    Top APY
    Up to 3.3%
    Checked Nov 8, 2026bluevine.com(opens source in a new tab)
    Paid plans
    Plus $30/month, Premier $95/month
    Checked Nov 8, 2026bluevine.com(opens source in a new tab)
    FDIC insurance
    Up to $3 million
    Checked Nov 8, 2026bluevine.com(opens source in a new tab)
    Line of credit
    Up to $250,000
    Checked Nov 8, 2026bluevine.com(opens source in a new tab)

The best Lili alternative for…

The highest-ranked app in this list for each need.

Mercury logo

Best Lili alternative for most people

Mercury

Fee-free US business banking aimed at startups, with stronger multi-user controls and treasury options.

Rho logo

Best Lili alternative for a free option

Rho

No subscription fees and built-in bill pay and expense tools, better suited to growing teams.

Bluevine logo

Best Lili alternative for a free plan you can upgrade

Bluevine

US business checking that pays interest on balances and offers lines of credit, for small businesses past the freelancer stage.

Payoneer logo

Best Lili alternative for iPhone and Android

Payoneer

Better if most of your income comes from overseas clients or marketplaces in other currencies.

Mercury logo

Best Lili alternative for working in the browser

Mercury

Fee-free US business banking aimed at startups, with stronger multi-user controls and treasury options.

Lili alternatives: common questions

What is the best alternative to Lili?

Mercury ranks first right now. Fee-free US business banking aimed at startups, with stronger multi-user controls and treasury options. Rho and Payoneer follow it in our ranking.

Lili vs Mercury: what's the difference?

Both Lili and Mercury are free with paid plans. Both run on Web, iOS and Android.

Is Lili free?

Lili is free with paid plans. Free plan: Lili Core, $0/month; Paid plans from: $15/month (Lili Pro); Free trial: 30 days on paid plans; FDIC insurance: Up to $3M via sweep network. Checked on Lili's own site, November 2026.

Is there a free alternative to Lili?

Yes. Mercury (free plan + paid), Rho (free) and Bluevine (free plan + paid) have a free option. Check each app's verified facts for current plan limits.

Is there an open-source alternative to Lili?

None of the 4 alternatives in this list is open source.

Why do people switch from Lili?

The complaints we hear most: US businesses only; it's a fintech, not a bank; bookkeeping, invoicing and tax tools sit behind monthly plans; international wires are limited to LLCs, corporations and partnerships.

How is this list ranked?

Every app is scored with the same published formula: how directly it replaces Lili, reviews (weighted by verification), visits from AppBreakup, how recently its facts were checked against its own website, and reader votes.