08
DOWNLOADS : 13.9MN
The lone US representative on our list , digital bank Chime was founded in 2013 by Chris Britt and Ryan King . Like many apps , it initially struggled to build an audience : it took Chime five years to attract its first million customers , but only another 12 months to reach four million . Today , it offers a number of features that appeal to users including a fee-free overdraft up to $ 200 , seamless peer-to-peer transfers , and access to direct deposits up to two days earlier .
07
DOWNLOADS : 14.4MN
Another South American challenger created by an incumbent , Brazilian digital bank iti was born out of the banking conglomerate Itaú Unibanco , which was formed in 2008 from the merger of two of the country ’ s biggest banks .
One of its standout features is the relatively low age requirement : teenagers as young as 14 can sign up for iti , helping engage them in financial literacy from an early age . The app also offers credit cards , savings goals , loans and fee-free transfers .
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