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Best Mobile Banking for Freelancers in USA in 2025

Published: December 9, 2025

Executive Summary

We analyzed 5 solutions. Top Recommendation: Lili by Lili scored highest due to AI-powered expense categorization and automated tax savings, tailored for gig workers and freelancers..

5 Companies Listed
1

Lili is a mobile banking platform for freelancers and independent workers, offering business checking, expense categorization, tax savings, and invoicing tools.

Key Features:

  • AI-powered expense categorization and automated tax savings, tailored for gig workers and freelancers.
2

Business Banking

found.com

Found provides a business banking platform tailored for small businesses and self-employed individuals, combining a business checking account with integrated bookkeeping, tax tools, and payment integrations. The service is available online and via mobile apps, with a focus on ease of use, transparency, and automation.

Key Features:

  • Full-featured business checking account (open online in as little as five minutes)
  • Business debit card (up to 10 physical cards) and up to 20 virtual cards (assignable to team members)
  • Built-in cash flow management with Pockets (sub-accounts with unique account numbers)
  • Flexible money movement (ACH, wires, cash, checks, and more)
  • Payment integrations (Stripe, PayPal, Square, and more)
  • Manage up to five businesses under a single login (each with its own checking account, bookkeeping, and tax tools)
  • Automatic expense tracking and categorization
  • Real-time tax estimates and automatic tax savings
  • Contractor management (onboard, pay, and manage contractors with no per-contractor fee)
  • Unlimited, professional invoices (customizable and free to send)
  • Mobile and desktop access (iOS, Android, and web)
3

Bookkeeping

novo.co

Novo's Bookkeeping tool leverages AI to automatically categorize expenses, generate accurate profit & loss and expense reports, and connect external accounts for a comprehensive financial overview. It is built to help small businesses and entrepreneurs stay tax-ready and manage their finances without manual spreadsheets.

Key Features:

  • AI-powered categorization of expenses
  • Accurate profit & loss (P&L) and expense reporting
  • External account connections for consolidated view
  • Automated tax-friendly categories
  • Downloadable reports for tax preparation
  • Detailed financial tracking and reporting
4

Business Banking (Checking & Savings)

mercury.com

Mercury provides a modern business banking platform featuring free checking and savings accounts, virtual and physical debit and credit cards, and a range of integrated financial tools. The service is designed to streamline banking and financial operations for startups and growing businesses, offering automation, spend controls, and seamless domestic and international payments.

Key Features:

  • Free checking and savings accounts
  • Virtual and physical debit & credit cards
  • Free domestic and international USD wires
  • Scheduled and recurring payments via ACH, wire, or check
  • User-level permissions and approval rules
  • Customizable card limits and spend controls
  • Auto-transfer rules between accounts
  • Slack payment approvals
  • Integrations with Xero and QuickBooks
  • Automated payroll via wire drawdowns
  • Bill pay with drag-and-drop interface
  • Global payments in 40+ currencies (1% FX fee)
  • Access to additional products: IO credit card, Treasury, Venture Debt, Bill Pay, Invoicing, Startup Perks
5

Oxygen True Crime TV Shows

oxygen.com

Oxygen True Crime TV Shows provides viewers with a comprehensive lineup of true crime programming, featuring investigative series, headline-driven documentaries, and in-depth explorations of criminal cases. The content is organized into categories such as Current Shows, Ripped From the Headlines, Infamous Serial Killers, Killer Series, Crimes of Passion, Disappearances, and more.

Key Features:

  • Extensive library of true crime TV shows
  • Shows categorized by themes and topics
  • Current, upcoming, and past series available
  • Visual previews and direct links to individual show pages
  • News and updates related to true crime