Neobank account holders are defined by the source as individuals who hold at least one account at an independent, digitally native digital-only bank that either has a banking license or operates on a licensed bank's platform.
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Penetration rate of neobanks in the United States 2020-2025
The penetration rate of Neobank users in the United States is expected to grow each year between 2020 and 2025. In 2020, *** percent of the targeted U.S. population held a Neobank account. By 2025, the number of Neobank account holders in the U.S. is expected to reach ** percent of the targeted population.
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Insider Intelligence. (January 4, 2022). Share of the population holding neobank accounts in the United States in 2020, with forecasts from 2021 to 2025 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 20, 2026, from /statistics/1286005/neobanks-penetration-rate-usa/
Insider Intelligence. "Share of the population holding neobank accounts in the United States in 2020, with forecasts from 2021 to 2025 ." Chart. January 4, 2022. ÌÇÐÄÆƽâ°æ. Accessed July 20, 2026. /statistics/1286005/neobanks-penetration-rate-usa/
Insider Intelligence. (2022). Share of the population holding neobank accounts in the United States in 2020, with forecasts from 2021 to 2025 . ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 20, 2026. /statistics/1286005/neobanks-penetration-rate-usa/
Insider Intelligence. "Share of The Population Holding Neobank Accounts in The United States in 2020, with Forecasts from 2021 to 2025 ." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 4 Jan 2022, /statistics/1286005/neobanks-penetration-rate-usa/
Insider Intelligence, Share of the population holding neobank accounts in the United States in 2020, with forecasts from 2021 to 2025 ÌÇÐÄÆƽâ°æ, /statistics/1286005/neobanks-penetration-rate-usa/ (last visited July 20, 2026)
Share of the population holding neobank accounts in the United States in 2020, with forecasts from 2021 to 2025 [Graph], Insider Intelligence, January 4, 2022. [Online]. Available: /statistics/1286005/neobanks-penetration-rate-usa/
