You can open a bank account completely online with many reputable banks and fintechs in 2026, often in under 10 minutes if you have your ID and basic details ready.

Quick Scoop: Bank Account I Can Open Online

1. Good options you can open online fast

Here are some well‑known online banks and fintechs that let you apply fully online (no branch visit), often with low fees and small or no minimum deposits. Always check availability in your country and current terms on the bank’s own site.

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Institution What you can open online Key perks for everyday use
SoFi Checking & Savings Combined checking & savings accounts opened in one online app. No account fees, high‑yield savings, early direct deposit, often signup bonuses for new customers.
Capital One 360 Checking Online checking you can open via web or app. No monthly fees, broad ATM access, solid mobile app; widely recommended as an easy online account.
Discover Cashback Debit Online checking with debit card. No monthly fees, cash‑back on debit purchases, strong customer reviews for online service.
Chime Online spending (checking‑like) + savings account. No monthly fee, no minimum balance, easy online signup; built for people who want a simple app‑based account.
American Express National Bank High‑yield savings (and in some markets checking) fully online. No monthly maintenance fee, competitive savings rates, strong reputation and online experience.
Zynlo Bank Online checking and savings accounts. $0 minimum opening deposit, $0 monthly fee, Allpoint ATM network for cash access.
Quontic Bank Online checking and high‑yield savings. Competitive interest rates, no overdraft fees, wide ATM access.
These aren’t the only choices, but they’re often listed among the “best online banks” and “easiest accounts to open online” lists as of late 2025 and early 2026.

2. What you’ll usually need to open online

Most banks and fintechs ask for similar information, whether you’re opening checking or savings.

  • Government ID details (passport, national ID, or driver’s license, depending on country).
  • Personal info: full name, date of birth, address, phone, and email.
  • Tax/ID number where required (e.g., Social Security Number in the US) so they can verify your identity.
  • Initial funding: some require a small opening deposit; others let you start at 0 and fund later by transfer.

In most cases, verification is automatic and approval can take just a few minutes, unless the bank needs extra documents.

3. How to pick the right online account

Different online banks shine in different areas, so it helps to decide what matters most to you right now.

Ask yourself:

  1. Do you mainly need a “spending” account or a savings boost?
    • For everyday use and card payments, look at SoFi, Chime, Capital One 360, or Discover.
 * For savings focus, banks like American Express, Zynlo, and Quontic offer higher‑yield savings.
  1. How important are fees vs perks?
    • Many of these accounts have $0 monthly maintenance fees and no minimum balance.
 * Some add perks like cash‑back on debit purchases, early paycheck access, or welcome bonuses.
  1. Do you need strong ATM access or are you mostly cash‑free?
    • Quontic and Zynlo connect to large ATM networks for easier cash withdrawals.
 * Purely digital users might care more about mobile app quality and instant notifications than ATM networks.

4. Step‑by‑step: opening your account online

Once you’ve picked a bank, the steps are fairly similar across providers.

  1. Go to the bank’s official website or its official mobile app (avoid links from random ads).
  1. Choose the type of account (checking/spending, savings, or both) and hit “Open account” or similar.
  1. Fill in your personal details and upload ID or take a live photo if they ask for it.
  1. Agree to the terms, submit, and wait for approval; many accounts confirm within minutes.
  1. Link an existing bank or card to fund the new account or set up your first deposit later.

You’ll usually get your digital card details right away for online purchases and see a physical debit card mailed to you if the bank offers one.

5. Safety checks before you apply

Because everything is online, it’s worth doing a quick safety sweep.

  • Confirm the bank is licensed/regulated in your country and covered by deposit insurance (e.g., FDIC‑insured in the US).
  • Only apply through the bank’s official site or app, and look for “https” and correct spelling of the bank’s name.
  • Read recent reviews or comparison articles to see if there are hidden fees or service issues.

Information gathered from public forums or data available on the internet and portrayed here.

TL;DR: If you want a bank account you can open online right now, well‑known options like SoFi, Capital One 360, Discover, Chime, American Express, Zynlo, and Quontic let you apply fully online with low fees and simple requirements—just have your ID and basic information ready, and you can usually be set up in minutes.