2026 State of Banking Offers Report Series

The 2026 State of Banking Offers Report Series

We analyzed every banking offer we could find.

Offers analyzed

Institutions covered

Countries

30%

of Fintech offers compete on rates and fees versus 32% for Traditional FIs

40%

of offers across all institution types require nothing more than sign-up 

Fintechs vs Traditional FIs at delivering offers that drive habit-forming engagement

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Same Customer. Different Offer.

Inside the diverging offer strategies between banks and fintechs