Top Simple Alternatives: Find Your Perfect Banking App
Simple was a groundbreaking mobile banking app that revolutionized personal finance with its intuitive budgeting and saving tools, all without the hassle of traditional bank fees. Since 2012, it empowered users with features like Protected Goals Accounts, Safe-to-Spend, and seamless online banking. However, for various reasons, many users are now seeking a reliable Simple alternative. Whether you're looking for different features, a new banking experience, or simply exploring options, this guide will help you discover the best replacements for Simple.
Best Simple Alternatives
If you're a former Simple user, or just looking for a robust mobile banking solution, you'll find excellent options that build upon Simple's core strengths while offering their unique advantages. Here are some of the top contenders that offer comprehensive financial management, budgeting tools, and convenient access.
Revolut
Revolut is an international banking alternative with multi-currency transfers and powerful money management built in, making it an excellent Simple alternative for those with global needs. Available on Freemium, Android, iPhone, Apple Watch, and Android Wear, Revolut offers features like in-app money transfer, support for multiple currencies, cryptocurrency exchange, and robust security focus, expanding beyond what Simple offered in terms of international finance.
Duniter
Duniter stands out as a unique Simple alternative, focusing on a decentralized network of communities managing cryptocurrencies through a Universal Basic Income system. It's a Free and Open Source platform available on Windows, Linux, Web, and Self-Hosted environments, built with technologies like JavaScript, Debian, Typescript, and Node.JS. Its features include blockchain technology, certifications, community-based operations, and peer-to-peer functionality, offering a very different approach to digital finance than Simple.
Monzo
Monzo Bank is a digital, mobile-only bank based in the United Kingdom, offering a strong Simple alternative for modern banking needs. It's a Free platform accessible via Web, Android, and iPhone, providing features like Apple Pay, Google Pay, and a highly mobile-friendly online banking experience. Monzo's ability to set spending budgets is particularly appealing to those who valued Simple's budgeting tools.
Bluebird by American Express
Bluebird by American Express and Walmart offers a checking and debit alternative, providing a fee-light banking solution akin to Simple's ethos. This Free platform is primarily Web-based, focusing on straightforward money management without the hidden fees often associated with traditional banks, making it a practical Simple alternative for everyday financial needs.
GoBank
GoBank positions itself as 'The Mobile Bank Account,' designed to be fast and convenient, similar to the experience Simple users appreciated. It's a Free platform available on Android and iPhone, aiming to simplify banking by minimizing fees and headaches associated with larger institutions, making it a viable Simple alternative for a streamlined mobile banking experience.
Bank Of America
Bank of America provides comprehensive online banking services as a traditional yet modernized Simple alternative. Available as a Free platform on Web, Android, iPhone, Blackberry, Android Tablet, Windows Phone, iPad, and Kindle Fire, it offers a full suite of personal financial tools, including online banking, catering to those who might prefer a larger, established institution with strong digital capabilities.
OneUnited Bank
OneUnited Bank offers online banking, home loans, secured credit cards, and other financial services, primarily serving urban communities. As a Freemium platform accessible on Mac, Windows, Web, Android, iPhone, Android Tablet, and iPad, it provides comprehensive online banking features, serving as a socially conscious Simple alternative with a broader range of financial products.
Meed
Meed offers a global platform connecting a community of networked Member Banks with individual users, providing access to various financial services. It's a Commercial platform available on Android and iPhone, focusing on a global banking network that could appeal to users looking for a Simple alternative with a more expansive reach and interconnected banking experience.
Chase
Chase allows users to manage their bank, credit card, and other account activity through web and mobile apps, providing a robust and well-established Simple alternative. As a Free platform on Web, Android, and iPhone, it offers extensive online banking features, including bill payments, credit card management, and mobile transactions, suitable for those seeking a broad range of traditional banking services with modern digital access.
Bank Branch Locator
While not a direct banking app like Simple, Bank Branch Locator is a Free Web-based resource that utilizes HTML5 geolocation to find bank branches and provides information, reviews, and ratings. For users who appreciated Simple's branchless approach but occasionally need physical banking information, this tool can complement another digital banking Simple alternative by providing critical location-based services.
Choosing the best Simple alternative depends entirely on your individual financial habits and priorities. Whether you prioritize budgeting features, international transfers, community-based banking, or simply a reliable mobile experience, the options listed above provide diverse and robust solutions. Explore each one to find the perfect fit that empowers your personal finance journey.