Neobank Customer Statistics: 2026 Report
Our analysts reviewed customer counts, deposits, and growth figures for six neobanks we rate or track against our rated set, 24 disclosure figures from company annual reports and press releases covering 2025 and FY2026 reporting periods, converted to US dollars at one Federal Reserve H.10 rate pair, to show how neobank customer bases and balances compare as of Q4 2026.
Key Findings
- Revolut reported 68.3 million retail customers and £50.2 billion in customer balances at December 31, 2025, equal to about $67.3 billion, the largest customer base and deposit pool in this set.
- Monzo reported 15.2 million customers and £25.7 billion in deposits in FY2026, about $34.4 billion, the second-largest deposit pool.
- Deposit per customer was highest at Tide's UK SME book, about $2,977, and at Starling, about $2,744, while Revolut's retail base averaged about $985 per customer.
- Tide grew global members from more than 1.5 million to 2.0 million, a 33.3% rise, the fastest growth rate among the three brands with comparable prior-year figures.
- Chime reported 10.9 million active members in Q3 2026 but does not disclose member balances, so it enters the customer table only.
Neobanks are digital-first banks and e-money institutions that open accounts through an app, usually without a branch network. Buyers comparing them want to know how many customers each brand serves, how much money those customers keep on the platform, and whether the base is still growing.
We gathered the latest published customer or member counts and deposit or balance figures for Revolut, Monzo, Chime, Starling, N26, and Tide. Brands report customers differently: Revolut reports retail customers, Chime reports active members, Starling reports group platform accounts, N26 reports revenue-relevant customers, and Tide reports global members. Where a brand publishes deposits in pounds or euros, we converted to US dollars at the Federal Reserve H.10 rates of $1.3398 per pound and $1.1163 per euro on October 30, 2026.
In the following sections, we compare customer counts, deposits, recent growth, and deposit per customer.
Revolut Holds The Largest Customer Base By A Wide Margin
Customer counts show how many people each brand serves under its own definition. We gathered the latest published figure for each of the six brands.
| Neobank | Customers | Reporting period |
|---|---|---|
| Revolut | 68,300,000 | Year ended December 31, 2025 |
| Monzo | 15,200,000 | FY2026 |
| Chime | 10,900,000 | Q3 2026 active members |
| Starling | 6,200,000 | FY2026 group platform accounts |
| N26 | 5,600,000 | 2025 revenue-relevant customers |
| Tide | 2,000,000 | May 2026 global members |
Key Findings
- Revolut's 68.3 million retail customers were more than four times Monzo's 15.2 million and more than ten times Starling's 6.2 million platform accounts.
- Chime's 10.9 million active members place it third on customer count in this set, ahead of Starling and N26.
- Tide's 2.0 million global members make it the smallest of the six on headcount, though its book is focused on small businesses instead of mass-market retail.
Revolut And Monzo Dominate Deposit Pools
Deposits show how much customer money each brand holds. We converted published pound and euro balances to US dollars at one rate date.
| Neobank | Deposits, millions of US dollars | Original amount | Reporting period |
|---|---|---|---|
| Revolut | $67,258 | £50.2 billion | December 31, 2025 |
| Monzo | $34,413 | £25.7 billion | FY2026 |
| Starling | $17,015 | £12.7 billion | FY2026 |
| N26 | $11,721 | More than €10.5 billion | 2025 |
| Tide | $2,679 | More than £2.0 billion UK SME deposits | July 2025 |
Key Findings
- Revolut and Monzo together held about $101.7 billion in customer balances, more than four times Starling, N26, and Tide combined.
- Starling's £12.7 billion in deposits, about $17.0 billion, rose from £12.1 billion in the prior year.
- N26 reported more than €10.5 billion in deposits, about $11.7 billion, alongside its first full year of net profitability in 2025.
Tide Led Comparable Growth Rates
Growth shows which brands are still adding customers under a stable definition. We compared prior-year and latest figures for Revolut, Starling, and Tide, the three brands with matching definitions across both periods.
| Neobank | Prior year | Latest | Growth, percent |
|---|---|---|---|
| Revolut | 52,000,000 | 68,300,000 | 31.3 |
| Starling | 5,300,000 | 6,200,000 | 17.0 |
| Tide | 1,500,000 | 2,000,000 | 33.3 |
Key Findings
- Tide's global members rose 33.3%, from more than 1.5 million to 2.0 million, the fastest rate in this comparable set.
- Revolut added about 16.3 million retail customers, a 31.3% rise, the largest absolute gain.
- Starling's group platform accounts rose 17.0%, from 5.3 million to 6.2 million.
Business-Focused Books Hold More Per Customer
Deposit per customer shows how much money the average customer keeps on the platform. We divided published deposits by the matching customer count for each brand that discloses both.
| Neobank | Deposits, millions of US dollars | Customers | Deposit per customer, US dollars |
|---|---|---|---|
| Tide (UK SMEs) | $2,679 | 900,000 | $2,977 |
| Starling | $17,015 | 6,200,000 | $2,744 |
| Monzo | $34,413 | 15,200,000 | $2,264 |
| N26 | $11,721 | 5,600,000 | $2,093 |
| Revolut | $67,258 | 68,300,000 | $985 |
Key Findings
- Tide's UK SME book averaged about $2,977 per member, the highest in this set, reflecting business balances instead of retail balances.
- Starling averaged about $2,744 per platform account, close to Tide despite a largely retail customer mix.
- Revolut's $985 average reflects a much larger, multi-country retail base with many accounts that hold smaller balances.
What Neobank Customer Data Means For Buyers In 2026
Scale still clusters at the top. Revolut and Monzo hold the largest customer bases and deposit pools, while Starling, N26, and Tide compete with smaller but denser books. Growth remains solid at the brands that publish comparable year-over-year counts, and business-focused books keep more money per customer than mass-market retail.
Brands will keep competing on primary-account features, savings yields, and business tooling instead of on headcount alone. Deposit per customer and primary-relationship rates will matter more to lenders and investors than raw signup totals.
So if you are choosing a neobank for personal or business use, weigh deposit depth and product fit for your use case alongside the headline customer count.
Data Collection and Methodology
We collected the latest published customer or member counts and deposit or balance figures for Revolut, Monzo, Chime, Starling, N26, and Tide from company annual reports, investor pages, and press releases available as of early November 2026. Brands define customers differently, and we keep each brand's own label in the tables instead of forcing a single definition.
Pound figures were converted to US dollars at the Federal Reserve H.10 rate of $1.3398 per pound on October 30, 2026. Euro figures used $1.1163 per euro on the same date. Deposit per customer is our calculation, deposits divided by the matching customer count. For Tide, we pair July 2025 UK SME deposits of more than £2.0 billion with about 900,000 UK SME members reported in 2026 coverage, because the global member total includes markets without a matching deposit disclosure. Chime does not publish member balances, so it appears only in the customer-count table. N26's shift to revenue-relevant customers means its latest count is not directly comparable to earlier total-customer headlines, so we exclude N26 from the growth table. All dollar figures use the single rate date stated here.
Sources
- The Fintech Index analysis of neobank customer and deposit disclosures, conducted November 2026
- Company annual reports and press releases: Revolut Group Holdings Ltd Annual Report 2025; Monzo Bank Annual Report FY2026; Starling Bank Annual Report 2026; N26 2025 results press release; Chime Q3 2026 financial results; Tide CEO letters and membership updates 2025 to 2026
- Board of Governors of the Federal Reserve System, Foreign Exchange Rates H.10, October 30, 2026
- Table, Neobank Customers by Brand: Source: Company annual reports and press releases (Source 2). Chime reports active members; Starling reports group platform accounts; N26 reports revenue-relevant customers; Tide reports global members. Data: neobank_customers_by_brand.csv
- Chart, Neobank Customers by Brand: Source: Company annual reports and press releases. Chime reports active members; Starling reports group platform accounts; N26 reports revenue-relevant customers; Tide reports global members.
- Table, Customer Deposits by Brand: Source: Company annual reports and press releases (Source 2). Converted at Federal Reserve H.10 rates of $1.3398 per pound and $1.1163 per euro on October 30, 2026 (Source 3). Chime does not disclose member balances. Data: neobank_deposits_by_brand.csv
- Chart, Customer Deposits by Brand: Source: Company annual reports and press releases. Converted to US dollars at the Federal Reserve H.10 rates of $1.3398 per pound and $1.1163 per euro on October 30, 2026. Chime does not disclose member balances.
- Table, Customer Growth at Three Neobanks: Source: Company annual reports and press releases (Source 2). Prior-year figures use the same customer definition each brand reports for the latest period. Data: neobank_customers_growth.csv
- Chart, Customer Growth at Three Neobanks: Source: Company annual reports and press releases. Prior-year figures use the same customer definition each brand reports for the latest period.
- Table, Deposit per Customer: Source: The Fintech Index analysis (Source 1) of company disclosures (Source 2). Tide uses UK SME members with UK deposits. Revolut divides retail customers into customer balances. Data: neobank_deposit_per_customer.csv
- Chart, Deposit per Customer: Source: The Fintech Index calculation from company disclosures. Tide uses UK SME members with UK deposits. Revolut divides retail customers into customer balances.