Key Takeaways
- International Investor named Lili the Best Digital Bank for SMBs in the U.S. for 2025
- Lili’s advanced business banking services for small businesses includes features like up to 4% APY on savings, fast international wire transfers, and FDIC insurance of up to $3 millionInternational Investor also named Lili the Best AI Implementation in the U.S. for 2025
- The AI award recognizes Lili’s Accountant AI solution that leverages business data and the latest industry information to deliver personalized, instant financial recommendations.
Running a successful small business is underpinned by a wide range of financial operations. However, managing it all can be overwhelming and expensive, especially as you’re scaling. After serving a growing community of small business owners since 2019, Lili’s services have begun to garner more attention in the industry. International Investor has recognized Lili as the Best Digital Bank for SMBs in the U.S. for 2025. Read on to learn more about how Lili’s award-winning platform is helping small businesses streamline financial operations.
Lili’s award-winning financial solutions for small businesses
With International Investor recognizing Lili’s online banking services and AI implementation, here’s a closer look at our offerings that led to the awards.
The Core Banking Plan
Lili’s online banking solution provides small businesses with the following key features:
- International wires in as fast as 24 hours
- Expedited ACH and check deposits
- Savings accounts with APYs up to 4.00%
- FDIC insurance up to $3 million
- No minimum balance or deposit requirements
- No ATM fees at 40,000+ MoneyPass locations
- No foreign exchange fees or FX fees with the Lili Visa debit card
- Cash deposit abilities at over 90,000 retail locations
- Integrated accounting, invoicing, payments, reporting, and credit-building features
Lili has a solid digital business banking offering that includes both checking and savings accounts, competitive APYs, a high FDIC insurance limit, and fast money transfers. However, what really sets the platform apart is how the banking services are integrated with software that streamlines financial operations across the board.
As you go about your normal business banking, Lili stays on top of tasks that would otherwise be time-intensive, such as categorizing your transactions, reconciling your books, identifying tax exemptions, and generating real-time reports. The various features work together to help relieve SMB owners from the heavy burden that financial operations put on running a business.
Accountant AI
Lili’s Accountant AI is the standout feature that led to earning the AI Implementation award from International Investor.
Users can find Accountant AI in the Lili dashboard and ask it about their company’s finances. For example, common questions include, “What is the best tax structure for my business?” and “How can I minimize my business taxes legally?”
Rather than giving general canned responses, Accountant AI provides personalized answers based on the user’s financial data, industry information, and patterns from similar businesses. As a result, business owners can get instant, actionable insights that help them save time and make informed financial decisions.
Lili offers 5 star customer support for business owners
Award-winning banking is only part of the experience. For small business owners, support matters just as much as features, especially when something time-sensitive comes up. That’s why Lili has invested in a modern, high-touch support model that blends speed with accountability. In 2025, 83% of customers rated Lili’s support experience a 9 or 10, with conversations happening across the channels business owners actually use: AI chat (40%), phone (32%), and email (28%).
Just as importantly, 82% of conversations that started in chat were resolved end-to-end without escalation, while more complex cases were seamlessly handed off to a live specialist when needed. This hybrid model ensures customers get fast, accurate answers when they want speed and personalized human support when they need reassurance.
Who is Lili’s online banking best for?
Lili’s online banking services are great for U.S. small businesses that want to bank online and streamline their financial operations. Many Lili customers are online business owners (often in ecommerce), service providers, or healthcare practice owners. Plus, Lili isn’t only available to U.S. citizens. If you’re a non-U.S. individual with a U.S.-based business, and you live in an eligible country, you can open a Lili account from abroad. See eligible countries.
Thank you, International Investor!
Lili is honored to be named the Best Digital Bank for SMBs and Best AI Implementation in the U.S. for 2025. These awards highlight our commitment to building smarter financial tools that support small business owners as they manage and grow their businesses. Thank you to International Investor for the recognition, to our customers for trusting Lili, and to our team for pushing innovation forward every day!
Want to see how Lili can help streamline your small business’s financial operations? Try our Premium plan with all the features free for 30 days.
