Lili offers four plans for our users to choose from: Lili Core, Lili Pro, Lili Smart and Lili Premium.
Please refer to the table below for the list of features that each plan offers:
| Lili Core | Lili Pro | Lili Smart | Lili Premium | |
| Plan Fees | Free | $15 monthly or $144 yearly | $35 monthly or $336 yearly | $55 monthly or $528 yearly |
| Core Banking | ||||
| Checking Account | ✓ | ✓ | ✓ | ✓ |
| Lili Visa® Debit Card | ✓ | ✓ |
✓ |
✓ Metal |
| BusinessBuild Program1 | ✓ | ✓ | ✓ | ✓ |
| Visa Cash Back Awards | x | ✓ | ✓ | ✓ |
| Fee-free ATM at 38K Locations2 | ✓ | ✓ | ✓ | ✓ |
| Domestic and International Wire Transfers3 | ✓ | ✓ | ✓ | ✓ |
| Multiple Add-Money and Send-Money Capabilities (fees may apply) | ✓ | ✓ | ✓ | ✓ |
| Realtime banking (aka alerts on transactions) | ✓ | ✓ | ✓ | ✓ |
| Statements (checking, savings, tax) | ✓ | ✓ | ✓ | ✓ |
| Integrations & Offers: Connect Lili to Other Digital Business Tools | ✓ | ✓ | ✓ | ✓ |
| Advanced Banking | ||||
| Sub Accounts | Savings Account | Savings Account | Savings Account | Savings Account |
| 2.50% APY on Savings4 | ✓ | ✓ | ✓ | ✓ |
| Fee-free Overdraft | ✓ | ✓ | ✓ | ✓ |
| Accounting & Tax | ||||
| Team Member Access & Approvals | ✓ |
✓ |
✓ |
✓ |
| Tax Savings & Automatic Tax Savings | x | ✓ | ✓ | ✓ |
| Transaction Categorization | x | ✓ Expenses Only (incl. Split) | ✓ Income and Expenses | ✓ Income and Expenses |
| Receipts Scan & Save | x | ✓ | ✓ | ✓ |
| Income and Expense Insights | x | ✓ | ✓ | ✓ |
| Income and Expense Reports (quarterly and annual) | x | ✓ Expense Report Only | ✓ Multiple Accounting Reports (incl P&L & cash flow) | ✓ Multiple Accounting Reports (incl P&L & cash flow) |
| Pre-filled Business Tax Forms (1065, 1120-S, Schedule C) | x | x | ✓ | ✓ |
| Invoicing & Get Paid | x | x | ✓ | ✓ |
| Bill Management | x | x | ✓ | ✓ |
| Sync External Bank Account and Credit Card Transactions | x | x | ✓ | ✓ |
| Accountant AI | x | x | ✓ | ✓ |
| Premium Services | ||||
| VIP Customer Service | x | x | x | ✓ |
Note:
x - indicates the feature is not available with the plan
✓ - indicates the feature is available with the plan
1 To have access, you must enroll into the BusinessBuild Program. Fees apply. Learn more here: BusinessBuild Program.
2 Up to $1,000 per cardholder per 24 hour period. Some locations have lower limits and retailer fees may vary ($4.95 max). Note that Lili does not charge transaction fees.
3 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.
4 The Annual Percentage Yield (“APY”) for the Lili Savings Account is variable and may change at any time. The disclosed APY is effective as of January 13, 2026. The account owner must have at least $0.01 in savings to earn interest. 2.25% APY for the first $500,000 and 4.00% APY for portions of balance over $500,000 and up to $1,000,000. Any portions of a balance over $1,000,000 will not earn interest or have a yield. Applicable monthly account fees apply (please refer to Lili's terms and conditions).
Lili is a financial technology company, not a bank. Banking services are provided by Sunrise Banks, N.A., Member FDIC. The Lili Visa® Debit Card is issued by Sunrise Banks, N.A., Member FDIC, pursuant to a license from Visa U.S.A., Inc. The Card may be used everywhere Visa debit cards are accepted.
Wire Transfer services are provided by Column Bank N.A., Member FDIC. All wires are subject to acceptance criteria and risk-based review and may be rejected at the sole discretion of Column Bank N. A. or Lili App Inc.