Startup banking cost & runway calculator

Estimate your annual banking cost against your burn and runway — and find startup-friendly banks.

Monthly burn

USD

Runway

months

Outbound payments / month

Annual FX volume

USD

Cash to bank (burn × runway)

$1,440,000

Est. annual banking cost (lean stack)

$1,500

Startups should prize fast onboarding + low all-in cost over branch networks.

See banks that fit →

Banks that fit

Bank
1AS Aspire SG · Aspire Business Account (Multi-Currency)	Free · 64%Aspire — Business Account & Spend Managementhttps://aspireapp.comSource class: website · reliability 80%Last verified 10d agoFree tier exists; paid plans add controls and seats.	None · 64%Aspire — Business Account & Spend Managementhttps://aspireapp.comSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	3 days · 58%Bankz analyst desk — Singapore (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	86/100 · A
2NE Neon CH · Neon Business Account	Free · 60%Neon — Swiss Digital Bankinghttps://www.neon-free.chSource class: website · reliability 80%Last verified 10d agoFree tier exists; paid plans add features and seats.	None · 60%Neon — Swiss Digital Bankinghttps://www.neon-free.chSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	3 days · 56%Bankz analyst desk — Switzerland (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	84/100 · A
3N2 N26 DE · N26 Business Account	Free · 64%N26 — Business Accountshttps://n26.com/en-de/business-bank-accountSource class: website · reliability 80%Last verified 10d agoFree Business Standard tier; paid tiers add perks and insurance.	None · 64%N26 — Business Accountshttps://n26.com/en-de/business-bank-accountSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	2 days · 58%Bankz analyst desk — Germany (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	83/100 · A
4BI BigPay MY · BigPay Account & Card	Free · 62%BigPay — Southeast Asian fintech (e-money & payments)https://www.bigpayme.comSource class: website · reliability 80%Last verified 10d agoNo standard monthly fee on the core account; transfer/FX fees apply.	None · 62%BigPay — Southeast Asian fintech (e-money & payments)https://www.bigpayme.comSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	2 days · 56%Bankz analyst desk — Malaysia (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	81/100 · A
5KU Kuda NG · Kuda Business Account	Free · 60%Kuda — Business Accountshttps://www.kuda.comSource class: website · reliability 80%Last verified 10d agoNo monthly maintenance fee on the free tier; paid plans add features.	None · 62%Kuda — Business Accountshttps://www.kuda.comSource class: website · reliability 80%Last verified 10d agoIndicative — verify with the institution before applying.	2 days · 58%Bankz analyst desk — Nigeria (manual verification)Source class: human · reliability 90%Last verified 10d agoIndicative — verify with the institution before applying.	80/100 · A

Rating = Bankz Trust Score™ · every value sourced · no pay-to-rank. Tap a column to sort.

Estimates are illustrative and for information only — verify exact terms with the institution. Bankz does not provide financial advice.