Lili is a United States online banking platform for small businesses, freelancers, and sole proprietors, with banking services provided through a partner bank. Fees shown as of 18 June 2026.
- Who it suits
- United States small businesses, freelancers, and sole proprietors who want a no monthly fee account with built in bookkeeping and tax tools.
- Broadly available in
- United States. Lili also offers United States business accounts to some non resident founders. Verify eligibility with Lili. As of 18 June 2026.
- Headline monthly fee
- Lili Core lists no monthly fee. Paid plans list 15, 35, and 55 US dollars a month. As of 18 June 2026.
- Account type
- Business banking services provided through a partner bank. Lili is a financial technology company, not a bank.
General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.
Overview
Lili is a United States financial technology company that provides online business banking through a partner bank, with banking services and deposit insurance supplied by that institution. It targets freelancers, sole proprietors, and small companies, and bundles invoicing, expense categorisation, and tax tools with the account. The free Core plan offers business banking with no monthly fee, and paid plans add accounting and tax features.
Strengths
A free Core plan with no monthly fee, no foreign transaction fees on card purchases, built in bookkeeping and tax tools, and deposit insurance through the partner bank up to the applicable limit. Savings balances earn interest at published rates. As of 18 June 2026.
Limitations
Lili is a financial technology company rather than a bank, so banking services depend on its partner bank. International wire transfers are limited to legal entity customers such as limited liability companies and corporations, and the platform serves the United States market. Verify current terms with Lili.
Fees and features
| Monthly fee | Lili Core: 0 US dollars. Lili Pro: 15 US dollars a month. Lili Smart: 35 US dollars a month. Lili Premium: 55 US dollars a month. An introductory discount may apply for the first three months. As of 18 June 2026. |
|---|---|
| Transaction fees | The Core plan lists no monthly fees, no overdraft fees, and no fees at MoneyPass ATMs. There is no foreign transaction fee on card purchases made outside the United States. Verify current terms with Lili. As of 18 June 2026. |
| FX fees | No foreign transaction fee is listed on card purchases made outside the United States, as of 18 June 2026. Verify current terms with Lili. |
| Minimum deposit | No minimum opening deposit is published. Verify with Lili. |
| Multi currency | Lili is a United States dollar account and is not a multi currency account. As of 18 June 2026. Verify with Lili. |
| Integrations | Built in invoicing, expense management, and tax tools, with accounting exports. Verify current integrations with Lili. |
| Eligibility | United States businesses including limited liability companies, corporations, partnerships, sole proprietors, and non profits. Some non resident founders can open a United States account. Verify eligibility with Lili. |
Open a Lili business account
Availability and fees vary by country. Check the Lili by country pages below for your market, then confirm current terms with the provider. Shown as of 18 June 2026.
Visit Lili →Lili by country
Questions about Lili
Is Lili a bank?
Does Lili charge a monthly fee?
Can a non resident open a Lili account?
Does Lili charge foreign transaction fees?
Fees, features, and eligibility change and vary by region. This page was last reviewed on 18 June 2026. Confirm current terms with Lili before applying.