Lili business account review

Snapshot

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 11 October 2026.

Who it suits: United States small businesses, freelancers, and sole proprietors who want a no monthly fee account, with bookkeeping and tax tools available on paid plans.
Broadly available in: United States. Lili also offers United States business accounts to some non resident founders. Verify eligibility with Lili. As of 11 October 2026.
Headline monthly fee: Lili Core lists no monthly fee. Paid plans list 15, 35, and 55 US dollars a month. As of 11 October 2026.
Account type: Business banking services provided through a partner bank. Lili is a financial technology company, not a bank.

Fees and features as of 11 October 2026Last updated 11 October 2026

General information, not financial, legal, or tax advice. Verify current terms and eligibility with the provider before applying.

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 up to the applicable limit. It targets freelancers, sole proprietors, and small companies. Paid plans add expense categorisation, tax set asides and invoicing. The free Core plan has no monthly fee. Figures here are shown as of 11 October 2026. Verify current terms with Lili.

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. Paid plans add expense categorisation, tax set asides and invoicing. 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, bookkeeping and tax tools on paid plans, and deposit insurance through the partner bank up to the applicable limit. Savings balances earn interest at published rates. As of 11 October 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

All figures as of 11 October 2026. Verify current terms with Lili.
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. Paid plans list an introductory price of 40% off for the first three months. As of 11 October 2026.
Transaction fees	The Core plan lists no monthly fees, no overdraft fees, and no fees at MoneyPass ATMs. Out of network ATMs in the United States cost 2.50 US dollars and international ATM withdrawals cost 5 US dollars, plus any owner surcharge. Outgoing wires cost 15 US dollars domestic and 25 US dollars international. As of 11 October 2026.
FX fees	No foreign transaction fee is listed on debit card purchases made outside the United States. International wires carry a 1% commission on the US dollar amount on top of the wire fee. As of 11 October 2026.
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 11 October 2026. Verify with Lili.
Integrations	Invoicing, expense management and tax tools on paid plans. Lili does not publish a list of accounting integrations; verify current integrations with Lili.
Eligibility	United States businesses including sole proprietors, limited liability companies, general and limited partnerships, and S and C corporations. Lili's account agreement does not list 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 11 October 2026.

Visit Lili → Commission link: we may earn a fee if you open an account through it. It does not change what we publish or how we rank providers.

Lili by country

Questions about Lili

Is Lili a bank?

No. Lili is a financial technology company. Banking services and deposit insurance are provided through its partner bank up to the applicable limit. As of 11 October 2026. Verify with Lili.

Does Lili charge a monthly fee?

The Lili Core plan lists no monthly fee. Paid plans list 15, 35, and 55 US dollars a month, as of 11 October 2026. Verify current pricing with Lili.

Can a non resident open a Lili account?

Lili offers United States business accounts to some non resident founders, subject to its checks. The position can vary by case, so verify eligibility directly with Lili. As of 11 October 2026.

Does Lili charge foreign transaction fees?

Lili lists no foreign transaction fee on card purchases made outside the United States, as of 11 October 2026. Verify current terms with Lili.

Fees, features, and eligibility change and vary by region. This page was last reviewed on 11 October 2026. Confirm current terms with Lili before applying.