By combining a checking account with technology to save on taxes and accounting software, Lili is an all-in-one banking app designed to save time and money for anyone who runs a business on their own.
Written by the business, not verified by us.
Is Lili legit?
Lili (lili.co) has a 4.7 out of 5 rating on OK.one, based on 143 user reviews collected here. It is listed under Money & Insurance and its reputation is excellent. Praise is nearly unanimous, with 92% rating it 4 stars or higher; The business has replied to 100% of negative reviews; Reviews mostly discuss User experience, App, Customer service. Last updated 2026-09-06.
What reviewers say
AI generated
Reviewers overwhelmingly had a great experience with this company. Customers frequently praise the mobile application because it is intuitive, remarkably easy to navigate, and efficiently simplifies managing daily small business finances, expenses, and invoices. Consumers also note that customer support representatives are consistently helpful, very responsive, and quick to assist whenever questions arise during daily business operations.
Some reviewers were not happy with unexpected bank fees being deducted from their personal and business accounts without receiving prior notice. Furthermore, a small portion of users also experienced frustrating delays regarding money transfers and check processing times within the digital platform.
Auto-generated from all reviews of this business. For reference only.
It helps having this account for business. What would make it a lot better where I’d even pay a monthly fee would be if this account had Zelle as ally if customers want to pay with Zelle. Instead of Zelle I accept there credit card and I pay a fee to accept that card
Reply from Lili2026-09-03
Thank you for sharing your feedback! We’re glad Lili has been helpful for your business. We understand how convenient Zelle could be for receiving customer payments and appreciate you sharing how its absence impacts your business. We’ll be sure to pass your feedback along to our team.
I’ve been using Lili banking for my business for over 3 years. It’s been easy and simple. I tell my friends who have small businesses about the low fees and easy access to being able to move quickly and efficiently in my business. Overall a great decision when I needed a place that would put care into my funds as I do working hard in my business.
Reply from Lili2026-09-03
Thank you for being a valued Lili customer for over three years. We’re pleased to hear that Lili has provided a simple, efficient banking experience for your business. We truly appreciate your trust and your recommendation to fellow business owners.
Shane really made a difference for me today. Its really nice to be able to get a live person so quickly. Lili seems to know what’s really important, real humans to talk to that quickly solve account related issues. Starting out at 10/10 with this new business account.
Reply from Lili2026-09-01
Thank you for the wonderful review! We’re so glad Shane was able to make a difference and get your account issue resolved quickly. Providing real, human support is incredibly important to us, and we’re thrilled you’re starting your Lili journey at 10/10! Welcome to Lili!
Very satisfied with the prompt customer service . Helped me with my problem very quickly. 👍🏾
Reply from Lili2026-08-28
Thank you for sharing your experience! We’re thrilled to hear our customer service team was able to resolve your issue quickly and provide the prompt support you needed. We truly appreciate your feedback!
At first, I wasn’t happy with the chat, but it’s very effective and it works just as good as any other bank customer service if not a little faster.
Reply from Lili2026-08-31
Thank you for sharing your experience. We’re glad to hear that our chat support proved effective and that you found it responsive and efficient. We appreciate your feedback and are committed to providing fast, reliable support to our customers.
I've been using Lili for about 2 years going on 3 yrs now, I never had a problem with them until yesterday when they took a $55 Bank fee out of my money. I guess apparently I've been prime user all this time and I didn't know it but this is the first time they took the fee out of my bank account for it. I called customer service and spoke with April she fixed me right up I was very impressed by her actions and willingness to understand that I guess I made a mistake. So she downgraded my account to the core where I wouldn't have no fees and also refunded my $55 instantly. I didn't have to wait 3or 4 or 17 business days to get my money back so that was awesome. So thank you again April
Reply from Lili2026-08-28
Thank you for sharing your experience! We’re so glad April was able to help resolve the issue quickly and make things right. We’ll be sure to pass along your kind words to her. We truly appreciate your continued trust in Lili!
Lili is a joke for business larger than side projects
I opened the account with a new LLC. The remaining step was to fund the account. I sent a sizable wire from an account I had business sale proceeds in. They requested additional documents due to the size of deposit, all of which were provided. A day later they wanted to see my business contracts. Ive worked with a dozen other banks and have never had this kind of problem. I told them to return the wire. I sent substantively more to CIT without a problem. I would never recommend Lili.
Reply from Lili2026-08-27
We’re sorry this experience did not meet your expectations. We understand your concerns and appreciate you taking the time to share your feedback. We’re glad we had the opportunity to review the matter with you and appreciate your understanding.
They have charged me numerous times this week cashapp transactions I did not make. Check cashapp the transactions are not there. About 2 months ago I started a business credit app they took my money $1,000 without me processing the app and said once you start the app it automatically will take the money as a deposit! How if I didn’t sign any docs or even complete the application. Definitely a fraudulent bank. Maybe we should all file a lawsuit on these people for fraud.
Reply from Lili2026-08-26
We’re sorry to hear about your experience. We don’t charge for Cash App transactions. If you see transactions you didn’t make, please contact our Support team to file a dispute. BusinessBuild is a secured card requiring collateral. We can’t discuss account-specific details publicly, but our team can review your account with you. Please reach out.
Axl was a serious help in presenting my options to get the best out of Lili, even during the slow season. Sometimes, it's good to have a refresher.
Reply from Lili2026-08-26
Thank you for the kind words! We’re so glad Axl was able to help you navigate your options and make the most of Lili, even during the slower season. We truly appreciate you taking the time to share your experience!
I love this bank it allows me to get paid 2 days early it spots me when I don’t have money it’s amazing
Reply from Lili2026-08-27
Thank you for the fantastic feedback! We’re so glad to hear that Lili’s early paycheck and overdraft coverage features are helping make managing your finances easier. We truly appreciate your support!
First time having to call and Rizalyn did a great job assisting with my issue. I appreciate her swiftness and accuracy in addressing my issue.
Reply from Lili2026-08-26
Thank you for sharing your feedback. We’re pleased to hear that Rizalyn provided swift and accurate assistance in resolving your issue. We’ll be sure to recognize her for her excellent support.
Makes it effortless to organize and manage business transactions at scale. Thank you Axl for setting me up and explaining the benefits and features as well as making account changes easy.
Reply from Lili2026-08-24
Thank you for your thoughtful review! We’re pleased to hear that Lili makes managing your business transactions more effortless. We’re also glad Axl provided clear guidance and made your account changes easy. We’ll be sure to share your kind words with him.
Lili is easy to navigate and support is quick and clear
We've used Lili banking for our small business for the last few years. They're platform is super easy to navigate and tasks are completed quickly. We had a recent issue with another 3rd party financial group, and Lili support helped resolve our problem with them through providing the quick, clear feedback needed.
Reply from Lili2026-08-21
Thank you so much for your kind words and for trusting Lili with your business over the years! We're thrilled to hear that you find our platform easy to use and that our Support team was able to help resolve your recent issue. We truly appreciate your continued support!
I have been using Lili for more than a year and love it for my business. It makes keeping track of receipts and paying employees/vendors a cinch.
Reply from Lili2026-08-18
Thank you for sharing your experience with Lili. We’re pleased to hear that Lili has helped simplify receipt tracking and payments for your business. We truly appreciate your continued trust and support over the past year.
Richard Nasr · 1 review · Verified · Experienced 2026-08-03 ·
★★★★★
Everything is good but need a way to…
Everything is good but need a way to move money from outside account to main account same day transfer
Reply from Lili2026-08-04
Thanks for the great review! We're glad you're enjoying Lili. We appreciate your feedback! While instant transfers from external accounts aren't available, Express ACH can help move funds faster in many cases. Thanks for being part of Lili!
C
C. Schulenberg · 2 reviews · Experienced 2026-08-04 ·
★★★★★
Izzah was really nice and respectful…
Izzah was really nice and respectful and knowledgeable of her work and very good at it
Reply from Lili2026-08-04
Thank you for your kind words! We're so glad to hear Izzah provided such respectful, knowledgeable, and helpful support. We'll be sure to share your feedback with her—it will mean a lot. Thanks for choosing Lili!
K
KEVIN TURNER JR · 1 review · Verified · Experienced 2026-08-04 ·
★★★★★
Everything
Reply from Lili2026-08-04
Thanks so much for the 5-star review! We're thrilled to hear you're enjoying everything about your Lili experience. We appreciate your support and look forward to continuing to help you manage and grow your business. Thanks for choosing Lili!
A
Anitra Bunn · 1 review · Experienced 2026-08-03 ·
★★★★★
Hold times are ridiculous
Hold times are ridiculous. I can never get a person on the phone to speak with regarding discrepancies. Like why my deposit from stripe was sent back with no explanation claiming my account has a restriction when it does not. Then took $8 from the deposit they sent back. What type of pirating nonsense is this?! I'm glad y'all did this because the really big deposits started coming. Now I can move to a credit union
Reply from Lili2026-08-05
We're sorry to hear about your experience and understand how frustrating this must have been. We apologize for the inconvenience. We've reached out to you directly so we can review your concerns in detail and work toward a resolution. We appreciate the opportunity to assist.
Great bank so far but no Zelle so it’s not the most convenient for depositing and receiving payments.Other than that I’d give it 4/5 stars! The app always runs smoothly and customer service has been helpful while on the other some things other banks allow you to take care of on your on/the app; with Lili you have to reach out to support.Overall good experience and it feels like a good bank to be with.
Reply from Lili2026-08-04
Thank you for the thoughtful review! We're so glad you're enjoying the app and our support team. We appreciate your feedback about Zelle and in-app self-service features—it's valuable as we continue improving the Lili experience. Thanks for choosing Lili!
Bluevine
Relay Financial
Mercury
Found
Novo
Wise 
Slash
Airwallex