FinTech Retail Banking

Companies providing banking services to individual consumers, rather than to companies, corporations or other banks. Services offered include savings and transactional accounts, mortgages, personal loans, debit cards, and credit cards. offers many convenient ways to load money, including with cash at Western Union and through Direct Deposit from your employer or federal benefits provider. You can share funds from card to card. You can use ATMs and shop near home and around the world.

The free Moven app and debit card is a personal money coach that gives customers real-time feedback with every spending decision in realtime.

Online bank offering no-fee checking and personal finance tools, such as automatic daily saving.

FUNDING: Bought by Spanish bank BBVA in 2014 for $117 million

THREAT TO: Bank fees