AiBank landing page
What is AiBank about?
AiBank is a digital bank from China, jointly founded by China CITIC Bank and Baidu, specializing in AI-driven financial services. It focuses on inclusive finance, offering smart banking solutions to individuals and small businesses.
Key Features
- AI-Powered Banking
- Digital-Only Operations
- Smart Lending Solutions
- Seamless Payments & Transfers
- Personalized Financial Management
- Regulated & Secure
Why choose AiBank?
AiBank combines Baidu’s AI expertise with China CITIC Bank’s financial strength, offering fast, intelligent, and secure banking services for individuals and businesses in China.
Who is AiBank for?
- Personal users
- Businesses
- Freelancers
- Startups
Where is AiBank available?
AiBank is currently available for residents in:
How is AiBank different than my bank?
AiBank provides 24/7 account access via its mobile app, enabling you to manage finances, make payments, check your balance, and freeze your card anytime. Real-time transaction notifications keep you in control of your spending.
Opening an account is quick and hassle-free—download the app, verify your identity, and get started within minutes. No credit check is required.
With low fees and no physical branches, AiBank minimizes costs for ATM withdrawals, international transfers, and payments abroad. The app also keeps everything digital, offering convenience and eco-friendliness.
Founded: 2020
Headquarters: Beijing, China
Users: +51 million
Countries available: China
Account plans: current accounts for personal users and businesses
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Why use a neobank?
Affordable fees and attractive pricing
With their digital-first approach and reduced operating costs, neobanks often offer highly competitive fees compared to traditional banks. Many neobanks minimize or eliminate fees for services like account maintenance and transactions, and some even provide enhanced interest rates on savings and loans. This cost-efficiency appeals to individuals and businesses focused on maximizing financial value without the typical expenses of traditional banking.
Quick account setup and hassle-free onboarding
Opening an account with a traditional bank is often a slow, paperwork-heavy process. Neobanks streamline this experience by using technology to offer a quick, fully online onboarding. Some even provide instant approval, allowing users to start banking within minutes. This efficiency and ease make neobanks an attractive option for people who want fast, paperless access to financial services.
Intuitive design for easy navigation
Neobanks offer highly accessible, user-friendly mobile apps designed for a smooth, modern banking experience. Unlike traditional banks, which rely on complex processes and paperwork, neobanks provide a streamlined interface where users can manage finances, track transactions in real-time, and set up alerts with ease. This straightforward, app-based experience appeals to tech-savvy users and businesses alike, offering a practical solution for efficient financial management.
Advanced budgeting and financial tracking tools
Neobanks often come equipped with advanced financial tools built right into their apps, giving users insights into spending patterns, budgeting help, and real-time transaction categorization. For businesses, this translates into improved financial control and clear visibility over cash flow. With features like expense tracking and financial analysis, neobanks empower individuals and businesses to make informed, data-driven financial decisions, setting them apart with their strong focus on financial management.
Responsive support and community involvement
Neobanks focus on customer satisfaction with quick, accessible support through multiple channels like in-app chat, email, and even social media. Traditional banks can sometimes have slower, more bureaucratic service, but neobanks use technology to deliver faster, more tailored responses. Many also build a sense of community through online forums and events where users can exchange tips and insights, fostering a collaborative approach to banking.