7 Best Online Banking for Remote Workers in 2023

Online banks seem to have been designed for remote workers, and in this year they are the basis of the economy of all those people who operate internationally, without the need to move from one place to another to have financial services.

Learn not only how they can benefit you, but also some of the best options of an account online banking by reading us to the end.

Online banking for remote workers
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Benefits of Online Banking for Remote Workers

Each of these platforms has its own advantages in terms of design features, but if we have to generalize the benefits of online banking then we should refer to three points of importance that tell us how good they are:

They bet on innovation and progress

New online banking services have taken the lead over their competition in this digital era, applying innovative technologies with the intention of optimizing the operation of the mobile and web app with which online banking can be controlled, thus reinforcing connections, enabling new forms of payment, and more. You can access your wherever you are, from Mexico or your rental apartment in Singapore, you have worldwide access.

Say goodbye to waiting

One of the benefits of online banking platforms is the fact that it is available 24 hours a day, 7 days a week, so you never have to worry about being left at the door because your schedule got so complicated that you couldn’t get there on time.

Operate with total security

Nowadays the techniques that guarantee security have advanced substantially, so hacking online bank accounts is impossible thanks to complex encryption systems, among other products.

What are the best online banks for remote workers?

Wise logo

Wise, formerly known as Transferwise, is a Estonian company based in London that specializes in electronic money management through a website and a mobile application.

Among the customer services that we can find in this platform we have a multi-currency account, a card and also transfers between countries for both individuals and companies.

What today is one of the best online banks was founded in January 2011 by Kristo Karmann and Taaver Hinirkus, both Estonians. Apart from its offices in London, it also has branches in Sydney, Singapore, New York and Tallinn. 

This company has the capacity to support more than 750 currency routes worldwide, thus providing multi-currency accounts. It is known that by February 2021 it already had 10 million users, being a strong competition for services such as PayPal, Google Play and Revolut. 

For remote work this online banking platform has turned out to be the best option since it is an account free of small letters, doesn’t have an account minimum balance and Wise attempts to make as clear as possible the use of their financial services.


N26 logo

When talking about N26 we refer to the German bank based in Berlin (Germany). It has a European banking license and is able to offer its services in Eurozone countries.

It is one of the few online banks for remote workers that has a physical location in the capital city of each country in which it operates.

It was founded in 2013 by Valentin Stalf and Maximilian Tayethal, while the initial product was launched in 2015. By 2021 it had at least some 7 million customers spread over some 25 countries. Apart from that, by today it employs more than 1,500 people.

Although it still has some limitations for some, in the countries where it is licensed to operate they can enjoy secure products and services, low percentages and fast accreditation time, apart from good customer service. 

To use N26 it is mainly required to access WiFi network wherever you are traveling as a remote worker so that you can have a look at your account.


Revolut logo

Revolut itself is a mobile application that gives you the opportunity to operate as if it were a bank.

Joining it only takes about 60 seconds, and you can have accounts in more than one currency, which in most cases is very interesting.

Among the financial services it is able to offer, apart from the current account that we have already mentioned, we have the account credit card (which you can fully control from the application), as well as it has also recently incorporated the purchase of cryptocurrencies from the security of its platform.

We classify it among the best remote banking due to the fact that, for example, with its card you can withdraw money from anywhere in the world without any fees.

However, the monthly limit is 200 euros, something that also applies to the country of residence.

It is also important to note that Revolut does not have a bank account, so the accounts they offer are not their own, but those of the English bank Lloyds Bank. This is how N26, which already has its own bank card, started, and Revolut is known to be in the process of obtaining a European banking license. 


Payoneer logo

It is one of the online banks for remote workers that perhaps provide security, since it was founded in 2005, and it is a huge American financial services company whose main focus is to promote its services for businesses and freelancers.

Payoneer’s mission is to empower businesses to move forward, and among the services they offer to small and medium-sized businesses is to facilitate mass payments and collections between their customers and online store providers.

Payoneer has gained popularity with freelancers as the best remote banking service.

Apart from this, the alliances of this platform are important. Some of these are with Amazon, Getty Images, or Airbnb, among others, with the intention of serving as a link for payments that customers make with the intention of goods and services from these platforms.


chime logo

Although we cannot say that it is one of the best online banks for remote workers (because it is itself an American fintech), it is very similar since it has no fixed branches, and all its services are based on technology.

So, with the help of a mobile application (which is free of charge or annoying monthly fees) users have the opportunity to manage their money, whether they choose to stay with a checking account (which includes a VISA debit card) or a savings account.

One of the main attractions of Chime is the fact that it does not worry about evaluating the banking history of its customers, and it does not charge surcharges for overdrafts of up to $200, nor does it require the maintenance of a minimum balance so that the user can enjoy its services.

So, it is a neobank that struggles to move away from the classic financial institutions. It was founded in 2013, and in its catalog we can find essential financial products at a low cost. Do you want to have the ease of managing everything from your PC or phone, this is the option for you.


Statrys logo

Although it was launched recently (in 2018), Statrys arrived with the goal of being the most accessible and richest payment option, in relation to its functions, for SMEs. They know that accepting online payments is not new, but they have made an effort to bring all the functions of a working bank account into the hands of entrepreneurs and SMEs.

Among the main advantages is that they present themselves as a transparent platform, which means that all their fees are detailed and available for any user to decide if using the service is really what suits them.

Apart from that, what also makes it one of the best online banks for remote workers is the fact that it is very easy to use. Accessing an account does not cause much trouble, and it is something that can be done at any time from anywhere.

Apart from that, it is a secure service that is regulated, certified and encrypted with the intention of reducing the risks of use to the least amount possible. You can trust that its products and services are as secure as those of any traditional financial institution.



Another online bank for remote workers to consider is Zenus, which offers free access to both business owners and individuals so that they have the opportunity to manage their money the way they want, always with a high level of security.

With the help of this online bank you have the possibility to open an account in the United States with the intention that non-residents also have the opportunity to send, receive and store their money no matter where they are in the world.

Besides, it also gives the opportunity to open a commercial account in the United States (an action that only takes about 20 minutes) with the intention of managing a company that does not necessarily have to be registered in that country, so it is a great benefit for those who operate internationally.

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