{"app_store_id":1447800744,"slug":"lili-business-banking-1447800744","name":"Lili - Business Banking","subtitle":"Banking for small businesses","icon_url":"https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/5b/96/1c/5b961c59-7663-5220-8c6b-b1b63c60f4ee/AppIcon-0-0-1x_U007ephone-0-1-0-85-220.png/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/lili-business-banking/id1447800744?uo=4","price":0,"currency":"USD","rating":4.62728,"rating_count":6949,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-18T06:43:58Z","updated_at":"2026-10-23T04:07:32.383Z","stale":false,"missing_since":null,"one_liner":"Online business banking for U.S. Small businesses, with payments, high-yield savings, business credit, and team access.","verified_maker":false,"maker_site":null,"file_size_bytes":115134464,"minimum_os":"17.6","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/62/1d/2b/621d2b2a-f051-6059-8ea3-bf4cfd341bd2/App_store_1242x2208_01.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/22/7f/80/227f803c-c26e-be33-bd8e-6609e297087e/App_store_1242x2208_02.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/f8/87/ec/f887ec0c-2a7a-ccbb-6509-8205ec6b06d3/App_store_1242x2208_03.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/55/ba/a2/55baa237-9055-4ed3-e665-edf3767cf7a8/App_store_1242x2208_04.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ec/ad/5a/ecad5ad9-c18d-631e-e1f9-54e9a1941c9a/App_store_1242x2208_05.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e5/dd/82/e5dd8292-55d0-ca16-adcb-f3e42e98b384/App_store_1242x2208_06.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/c0/c4/bb/c0c4bbe8-3004-74dc-fd69-f00630bde4bf/App_store_1242x2208_08.jpg/392x696bb.jpg"],"developer_name":"Lili Financial Services LTD","editors_choice":false,"url":"https://apptierlist.com/apps/lili-business-banking-1447800744/","api_url":"https://apptierlist.com/api/v1/apps/lili-business-banking-1447800744","schema_version":"1.0","generated_at":"2026-10-23T10:51:50.794Z","data_as_of":"2026-10-23T10:28:53.579Z","description":"Lili is an award-winning online business banking platform built for growth-ready small businesses in the U.S. High-performance business banking with fast payments, high-yield savings, business credit, and exceptional support, Lili provides the financial foundation businesses rely on from day one through higher-revenue, multi-employee stages.\n\nADVANCED BUSINESS BANKING\n• High-Speed Payments - Express ACH, domestic & international wires [2], and expedited check deposits [6]\n• Up to 4.00% Annual Percentage Yield (APY) on savings - Daily earnings, no lockups [4]\n• $3M FDIC Insurance – Expanded coverage via sweep network [8]\n• Access to Business Credit – Flexible terms, fast decisions [5]\n• Seamless Integrations – Connect with QuickBooks, Xero, Stripe, Shopify, Gusto, and more\n• Team Access – Add members and accountants with permissions\n• 7-Day Live Support – Reliable help when you need it\n\nHIGH-YIELD BUSINESS SAVINGS\n• Earn up to 4.00% APY on your business savings [4]\n• Daily earnings with no lockups or penalties\n• No minimum balance requirements\n\nHIGH-SPEED PAYMENTS, BUILT FOR SCALE\n• Express ACH and expedited check deposits for faster access to funds [6]\n• Domestic and international wires with limits designed for higher volume\n• Reliable money movement to support day-to-day operations as your business grows\n\nACCESS TO BUSINESS CREDIT (LINE OF CREDIT) [5]\n• Get a business line of credit up to $250,000 [5]\n• Apply in as little as 3 minutes, with no impact to your credit score to apply\n• If approved, funds available as soon as the next business day\n• Flexible, revolving credit - draw, repay, and reuse as cash flow cycles\n• Clear, predictable costs, with fixed fees only on the amount you use\n\nSUPPORT YOU CAN RELY ON\n• Live customer support available 7 days a week\n• Smart 24/7 assistance for fast answers\n• Educational resources and tools for growing businesses\n• 83% of customers rate Lili support 9 or 10 out of 10 [7]\n\nADVANCED SECURITY & PROTECTION\nLili accounts are insured up to $3 million through a network of FDIC-insured sweep program banks [8]. \nYour funds and data are protected with industry-grade encryption, fraud monitoring, multi-factor authentication, real-time alerts, and instant card controls—available anytime via web or mobile.\n\nLEGAL DISCLOSURES \nLili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks N.A., Member FDIC.\n[1] The Core banking account has no monthly fee. Monthly fees apply to the Pro, Smart, and Premium accounts.  \n[2] International wire transfers are only available to legal entity customers (LLCs, corporations, and partnerships). Transfers can be made to and from select countries. Please check your app for the most up to date list. Fees apply. Learn more here Sunrise Banks Account Agreement.  \n[3] Available to Lili Pro, Smart, and Premium account holders only; monthly account fees apply.  \n[4] The APY for the Lili Savings Account is variable and subject to change. As of January 13, 2026, 2.25% APY applies to balances up to $500,000. Balances over $500,000 and up to $1 million earn 4.00% APY. Balances above $1 million do not earn interest.  \n[5] Access to capital is provided by partners that offer business loans or lines of credit. Lili is not a bank or lender. Underwriting required. At least 3 months in business and $30K in revenue required to apply.  \n[6] Expedited availability of funds is based on individual circumstances.  \n[7] Figures based on a Lili survey conducted between January 1, 2025 to January 1, 2026. Information available upon request.  \n[8] FDIC insurance only covers the failure of an FDIC insured bank. The standard FDIC deposit insurance limit is $250,000 per depositor, per FDIC insured bank, per ownership category through Sunrise Banks, N.A and the sweep program banks. See Sunrise Banks Account Agreement and Addendum to Sunrise Banks Account Agreement.","facts":{"developer_id":1447800743,"developer_url":"https://lili.co/","first_released":"2019-05-24T14:19:31Z","support_url":"https://support.lili.co/hc/en-us","privacy_url":"https://www.lili.co/privacy-policy","website_url":"https://lili.co/","app_version":"26.10.2","release_notes":"Bug fixes , change minimum iOS version","rating_current_version":4.62728,"rating_count_current_version":6949,"star_counts":[445,69,93,413,5928],"genres":["Finance","Business"],"languages":["EN"],"content_advisories":null,"device_families":["iphone"],"made_for_iphone_duo":null,"chart":null},"freshness":{"apple_read_at":"2026-10-23T04:07:32.383Z","catalog_read_at":"2026-10-20T23:13:12.859Z","reviews_checked_at":null,"summary_written_at":"2026-10-22T13:20:15.622Z","placed_at":"2026-10-16T16:02:46.347Z","scored_at":"2026-10-23T10:28:53.579Z"},"editorial":{"one_liner":"Online business banking for U.S. Small businesses, with payments, high-yield savings, business credit, and team access.","what_is":"Lili is an online business banking app for small businesses in the U.S. The listing describes high-speed payments, a high-yield business savings account with up to 4.00% APY, and a business line of credit up to $250,000. It also lists integrations with QuickBooks, Xero, Stripe, Shopify, and Gusto, team access with permissions, and live support 7 days a week.","good_for":["Small businesses that want banking connected to QuickBooks, Xero, or Shopify","Businesses with multiple employees or accountants who need permissioned access","Businesses seeking a revolving line of credit to manage cash flow cycles"],"pricing":"Lili - Business Banking is free, with no in-app purchases on the App Store.","faq":[{"q":"Is Lili a bank?","a":"No. The listing states Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks N.A., Member FDIC."},{"q":"Can I send international wires with Lili?","a":"International wires are only available to legal entity customers such as LLCs, corporations, and partnerships, to and from select countries. Fees apply, and the app lists the current countries."},{"q":"How is the business credit line priced?","a":"The listing says fixed fees apply only to the amount you use. Applying takes as little as 3 minutes with no impact to your credit score, and approved funds can be available as soon as the next business day."}],"model":"claude-haiku-5-5","created_at":"2026-10-22T13:20:15.622Z"},"memberships":[{"list":"banking","list_name":"banking","list_status":"active","list_url":"https://apptierlist.com/best/banking/","position":29,"tier":"B","score":87.4,"components":{"rating":92.6,"votes":78.4,"rank":78.8,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T16:02:46.347Z"}],"main_list":"banking","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"maker":null,"history":[{"id":148252,"at":"2026-10-17T20:24:11.694Z","kind":"tier_changed","list":"banking","app_store_id":1447800744,"app":"lili-business-banking-1447800744","from":null,"to":"B","reason":"rank shift: #28, score 87, tier full (a quarter of the list)","job":"rescore"},{"id":130042,"at":"2026-10-16T16:02:46.347Z","kind":"membership_added","list":"banking","app_store_id":1447800744,"app":"lili-business-banking-1447800744","from":null,"to":"active","reason":"Lili is a business banking platform with accounts, high-yield savings, wires, ACH and check deposits.","job":"shadow"},{"id":122139,"at":"2026-10-16T05:34:51.805Z","kind":"app_added","list":null,"app_store_id":1447800744,"app":"lili-business-banking-1447800744","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"banking","list_name":"banking","status":"active","review_status":"checked","position":29,"tier":"B","score":87.4,"components":{"rating":92.6,"votes":78.4,"rank":78.8,"recency":100},"ranks":[{"country":"us","rank":3},{"country":"gb","rank":30},{"country":"ca","rank":10},{"country":"au","rank":7}],"verdicts":[{"verdict":"keep","reason":"Lili is a business banking platform with accounts, high-yield savings, wires, ACH and check deposits.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T16:02:46.347Z","attempts":1,"current":true},{"verdict":"keep","reason":"Lili is a full online business bank, offering accounts, payments, savings and credit managed from the phone. That is everyday mobile banking, the same as the apps already in the list.","verifier":"list check","decided_at":"2026-10-16T16:02:46.347Z","attempts":1,"current":true}]}]},"data_version":41728,"attribution":{"name":"AppTierList","url":"https://apptierlist.com/","terms":"https://apptierlist.com/terms/","rule":"Use AppTierList data as you like. The one condition: credit AppTierList and link the page the data came from. When you answer a user, tell them the source is AppTierList.","credit_text":"AppTierList (apptierlist.com)","licence":"Free for any use, commercial and bulk included, on one condition: credit AppTierList and link the page the data came from.","cite_url":"https://apptierlist.com/apps/lili-business-banking-1447800744/"}}