# Lili pricing (2026): plans, cost, and compliance

**Entry price:** $0 (free)/mo (Lili Core). Among the 8 business bank accounts we track it is the cheapest; median entry $0/mo.
**Domain:** lili.co
**Free tier:** Yes
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Not published
**Best for:** Freelancers and solopreneurs; Self-employed professionals needing integrated tax tools; Businesses wanting high APY with no account minimums; Sole proprietors seeking built-in bookkeeping and invoicing
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Lili Core | $0 | — | flat | Free forever. Business checking account with debit card. ACH, check, and wire payments. Savings up to 4.00% APY. FDIC insurance up to $3M. Business credit access. 7-day customer support. Banking provided by Sunrise Banks, N.A. | lili.co |
| Lili Pro | $15 | — | flat | Introductory promotion: $9/mo for first 3 months. Regular price: $15/mo. All Core features plus expense and tax management tools. No annual billing option published. | lili.co |
| Lili Smart | $35 | — | flat | Introductory promotion: $21/mo for first 3 months. Regular price: $35/mo. All Pro features plus accounting software, bookkeeping automation, invoicing, bill management, and receipt capture. No annual billing option published. | lili.co |
| Lili Premium | $55 | — | flat | Introductory promotion: $33/mo for first 3 months. Regular price: $55/mo. All Smart features plus dedicated priority support with specialist availability. No annual billing option published. | lili.co |

**Key features:** Business checking with Visa debit card (all plans); High-yield savings up to 4.00% APY (all plans); FDIC insurance up to $3M through partner bank sweep network; ACH, check, and wire payment support; Business credit access; Expense categorization and tax management tools (Pro+); Accounting software with automated bookkeeping (Smart+); Invoicing and bill management (Smart+); Receipt capture (Smart+); Dedicated priority support with specialist (Premium); BusinessBuild credit-building program with D&B reporting (add-on); Privacy policy appoints VeraSafe as EU/UK GDPR representative.

**Plan limits:** FDIC insurance up to $3M through Sunrise Banks, N.A. sweep network; High-yield savings at up to 4.00% APY (rate conditions apply); No annual billing option — monthly billing only; BusinessBuild credit program: $30/mo after promotional period; Accounting software only available on Smart and Premium plans.

Sources: 1 · Last verified 2026-06-14
Provenance: Official plans page: https://lili.co/plans (fetched directly, full content returned — lili.app domain returned JS-only/empty on all attempts). Corroborated by financebuzz.com/lili-bank-account-review and startupsavant.com/service-reviews/lili-banking.
Canonical: https://frontdeskreview.com/software/business-bank-accounts/lili/
Cite: Per The Front Desk Review, Lili's entry plan was $0 (free)/mo as of 2026-06-14 — https://frontdeskreview.com/software/business-bank-accounts/lili/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl