Best Banks in the World 2025: Top 15 Global Banks Ranked

Comparison: Best Banks in the World

15 Best Banks Worldwide: Ranked

1. JPMorgan Chase (USA)

Best for: Comprehensive global banking, diversified services for individuals, businesses, and institutions.

JPMorgan Chase remains the cornerstone of the American banking sector and is often considered the best bank in the world due to its unrivaled blend of scale, financial performance, and innovation.

With over $4.3 trillion in assets and a market capitalization of $738 billion, it offers every service imaginable: savings accounts, checking accounts, mortgages, credit cards, and a sophisticated suite of wealth management and private banking solutions for high-net-worth clients.

Its investment banking arm is a global leader in mergers and acquisitions advisory, IPO underwriting, and trading services. Commercial clients rely on JPMorgan for business loans, cash management, and complex treasury services across nearly every industry.

Technology and digital-first banking are a core strength. The firm’s AI-powered investment platform and one of the world’s highest-rated mobile banking apps serve tens of millions of customers worldwide. JPMorgan Chase also plays an outsized role in economic stability and the globalization of financial markets, reinforcing its reputation as the safest and most trusted US bank among institutional investors and everyday consumers alike.

2. Industrial and Commercial Bank of China (ICBC)

Best for: Large-scale corporate lending, cross-border financing, and trade services.

ICBC is the largest bank in the world by total assets, exceeding $5.7 trillion, and commands a dominant presence acrossChina’s economy and Belt and Road markets. The bank offers a full range of retail banking, including personal loans, debit cards, and savings products tailored to China’s vast consumer base.

On the commercial side, ICBC is indispensable for domestic and international companies requiring trade finance, corporate credit facilities, and foreign exchange management. It also offers investment banking services, including underwriting for major Chinese corporations expanding abroad.

ICBC continues to modernize with advanced digital banking initiatives, such as mobile payment integration, AI risk analytics, and blockchain-based trade settlement solutions. While its core operations are centered in China, ICBC has significantly expanded its global reach, with branches and subsidiaries in more than 40 countries.

Its robust capital buffers and state support have made it a pillar of financial stability, attracting clients who prioritize security over aggressive growth.

3. Bank of America (USA)

Best for: Digital-first retail banking and global treasury solutions.

Bank of America combines the scale of a universal bank with customer-centric banking and hyper-personalization.Managing $3.3 trillion in assets, it offers comprehensive services ranging from personal checking accounts and auto loans to sophisticated private banking and wealth management under its Merrill brand.

Its Erica AI virtual assistant has transformed how customers interact with their accounts, setting the standard for mobile banking excellence. For corporate clients, Bank of America leads in cash management, trade finance, and cross-border treasury services, supporting multinationals with operations on nearly every continent.

The bank has also invested heavily in cybersecurity to mitigate rising threats and maintains an impressive credit rating profile. In 2024, Bank of America was recognized as a leader in ESG finance and responsible lending, underscoring its commitment to long-term economic stability and innovation.

4. Citigroup (USA)

Best for: Cross-border treasury operations, supply chain financing, and multinational corporate cash management.

Citigroup is synonymous with global banking. Operating in nearly 180 countries, it is considered one of the best international banks in the world for corporations, expats, and investors.

Its retail banking arm offers checking accounts, credit cards, and digital financial planning tools, while its commercial banking and investment services help clients access capital markets and manage treasury operations.

Citi is known for its leadership in foreign exchange and trade finance, facilitating trillions of dollars in cross-border flows annually. In recent years, the bank has modernized its platforms to become more customer-focused and digitally agile, integrating AI-powered tools to personalize experiences and reduce friction.

With strong credit ratings and a diversified revenue base, Citigroup remains a resilient and innovative institution, particularly well-suited to clients who operate internationally.

5. HSBC (UK)

Best for: Expats, global retail banking, and wealth management.

HSBC’s global footprint and heritage make it a standout for individuals and businesses navigating multiple markets.With over $3 trillion in assets, it operates in more than 60 countries, making it one of the world’s most geographically diverse banks and great for offshore banking.

HSBC’s retail banking is tailored for internationally mobile customers, offering multi-currency accounts, international mortgages, and seamless online banking. Its private banking division supports high-net-worth clients with estate planning and specialized investment advice.

On the commercial side, HSBC is a major player in trade finance, treasury management, and foreign exchange services. The bank has recently invested in hyper-personalization and digital-first banking, launching AI-driven tools to simplify onboarding and improve security.

As a pioneer in ESG lending and green bonds, HSBC is also a top choice for clients who prioritize sustainability and ethical banking practices.

6. Mitsubishi UFJ Financial Group (MUFG) (Japan)

Best for: Asia-Pacific corporate banking, conservative wealth management, and project finance.

Mitsubishi UFJ Financial Group (Mitsubishi UFJ Financial Group (MUFG) is Japan’s largest financial institution, holding $2.8 trillion in assets. It is renowned for its conservative risk culture and long-term stability, making it a trusted partner for corporations and investors in Asia and beyond.

Its retail banking division serves millions across Japan with a full suite of services, while its investment banking arm is a leader in syndicated loans and project financing across infrastructure, energy, and real estate.

MUFG is expanding its digital capabilities with blockchain-based trade settlement and AI-powered credit risk assessment tools. The bank has also made strategic investments in fintech ventures, including partnerships with neobanks to attract younger customers.

Strong credit ratings and a focus on ESG finance have cemented MUFG’s reputation as a resilient and forward-thinking institution.

7. BNP Paribas (France)

Best for: European corporate banking, wealth management, and ESG-focused lending.

BNP Paribas is Europe’s largest bank by assets, managing about $2.9 trillion, and is a cornerstone of France’s financial system.

Its retail banking offers everything from mortgage lending to personal savings accounts across Europe, while its investment banking arm excels in M&A advisory, trading, and risk management.

BNP Paribas has emerged as a global leader in sustainable finance, committing billions in green loans and ESG investment products.

Digital innovation is central to its growth strategy, with AI-driven customer support and advanced mobile platforms now standard across its network.

With strong credit ratings and a balanced approach to risk, BNP remains a top choice for corporations expanding across the eurozone and for investors who prioritize sustainability.

8. UBS (Switzerland)

Best for: Private banking, wealth management, and institutional asset management.

UBS is the world’s leading wealth manager, serving high-net-worth individuals and institutional investors across the globe. Its recent acquisition of Credit Suisse consolidated its position as Switzerland’s largest bank, with a combined asset base exceeding $1.5 trillion.

UBS offers specialized services including estate planning, philanthropy advisory, and bespoke investment strategies. For retail clients, it provides digital banking tools, multi-currency solutions, and one of the most secure online platforms in Europe. Many clients choose UBS to open an international bank account, benefiting from Switzerland’s strong privacy protections and global reputation for financial stability.

The bank is also a sustainability pioneer, integrating climate data and ESG metrics into all advisory services. Its top-tier credit ratings and disciplined risk culture have helped it maintain resilience through volatile markets.

9. Deutsche Bank (Germany)

Bank for: Institutional investment banking, global trade finance, and corporate advisory.

As Germany’s largest bank and a significant player in Europe’s financial system, Deutsche Bank is trusted for institutional banking, structured finance, and wealth management.

Despite past challenges, its renewed strategy has restored profitability, with strong returns on equity in 2024 and 2025.

Deutsche Bank continues to lead in corporate advisory and cross-border transactions, supporting multinational clients with complex financing needs. Its digital transformation includes AI-powered compliance tools and hyper-personalized client experiences.

The bank is committed to ESG alignment, aiming to transition its loan book to net-zero emissions by 2050. With assets surpassing $1.3 trillion and an ambitious innovation agenda, Deutsche Bank remains a pillar of European finance.

10. Wells Fargo (USA)

Bank for: Retail banking, mortgages, and small business lending.

Wells Fargo is one of America’s most recognized banking brands, serving tens of millions of households through checking accounts, auto loans, and credit cards. Its retail banking network is among the largest in the United States, complemented by robust online and mobile banking platforms.

The bank has invested heavily in cybersecurity and fraud mitigation, reassuring clients concerned about data protection. Its commercial banking division provides loans, treasury services, and specialized lending to small and mid-sized businesses.

While historically known for retail banking, Wells Fargo is expanding its wealth management and investment services, positioning itself as a full-spectrum financial partner.

11. DBS Bank (Singapore)

Best for: Digital banking innovation and customer satisfaction.

DBS has been recognized as the World’s Best Bank multiple times by Global Finance and Euromoney, thanks to its transformative approach to fintech. Its award-winning mobile platform is a model of digital-first banking, serving millions of consumers and SMEs across Asia.

Retail customers enjoy a seamless experience across savings accounts, investment products, and insurance services. DBS also excels in SME lending and trade finance, with AI-powered credit assessments improving access to capital.

The bank is at the forefront of ESG finance, with ambitious commitments to net-zero emissions and green financing.

9. TD Bank Group (Canada)

Best for: Retail banking and North American financial services.

TD Bank combines high customer satisfaction with conservative risk management. As one of the safest banks in the world, it has maintained AA- credit ratings for years. Retail offerings include checking and savings accounts, mortgages, and insurance products.

TD Bank is also a leader in wealth management, supporting clients through investment planning and estate advisory.

The bank continues to innovate with digital-first banking and cybersecurity enhancements, making it a trusted choice for individuals and businesses.

13. Santander (Spain)

Best for: European and Latin American retail banking.

Santander has a vast footprint across Spain, the UK, Brazil, and Mexico, offering a broad suite of retail, commercial, and investment banking services. Digital transformation is a cornerstone of its strategy, with Santander consistently ranked among Europe’s most innovative banks.

Retail clients benefit from cutting-edge mobile banking and personalized financial planning tools, while business customers access trade finance, treasury services, and specialized SME lending.

Santander’s strong credit profile and ESG leadership make it a reliable partner for clients across continents.

14. Goldman Sachs (USA)

Best for: Investment banking, private equity, and wealth management.

Goldman Sachs is synonymous with global finance, advising on many of the world’s largest M&A deals and IPOs. Its private wealth division serves ultra-high-net-worth individuals with bespoke investment strategies and estate planning.

Goldman also leads in digital wealth platforms, including Marcus, its consumer banking brand that combines savings accounts with AI-driven budgeting tools.

The firm’s strong brand recognition and focus on innovation have secured its position as one of the most respected banks in the world.

15. Standard Chartered (UK)

Best for: Emerging market banking and trade finance.

Standard Chartered is a unique player among global banks, with a footprint that spans Asia, Africa, and the Middle East, markets that are often underserved by traditional Western banks. Though smaller than some US or Chinese giants, it punches above its weight in cross-border banking and trade finance, and adept interest rate hedging capabilities in high-volatility markets.

It is also a specialized global investment bank for emerging markets in Asia and Africa. Its financial foundation is stable, with a solid ROE and Tier 1 capital position. Ratings from Fitch and S&P remain investment-grade. Furthermore, it is a certified Great Place to Work.

Digital innovation is a core part of its growth strategy, with significant investment in mobile banking and fully integrated digital services tailored to emerging market conditions. Its transaction banking network supports trade flows between the East and West, making it a vital partner for corporate clients.

10 Criteria for Measuring the Best Banks in the World

1. Financial performance

Strong profitability, consistent revenue growth, and solid capital adequacy are the foundation of any leading bank. Metrics like total assets, return on equity, return on assets, net interest margin, and Tier 1 capital ratios reveal whether a bank can generate sustainable returns and weather economic fluctuations.

2. Credit ratings

Independent ratings from agencies such as Moody’s, S&P, and Fitch assess a bank’s ability to meet its obligations. High long-term issuer credit ratings and stable or positive outlooks are critical indicators of reliability, especially for clients seeking safe deposits or secure international bank accounts.

3. Customer trust and satisfaction

Even the biggest banks must earn and maintain customer trust. High standards of service, transparent communication, and effective problem-solving are essential to keeping clients loyal. Customer satisfaction is measured through surveys, Net Promoter Scores, complaint resolution rates, and long-term retention.

4. Digital innovation and technology

Leading banking institutions invest heavily in digital-first banking and fintech integration. Whether it’s advanced mobile platforms, AI-powered chatbots, or cutting-edge cybersecurity, innovation helps banks serve clients more efficiently and build competitive advantages. The quality of online banking experiences and fintech partnerships often sets the most innovative banks apart.

5. Global reach and operational scope

The best international banks can serve clients seamlessly across borders. A broad geographic footprint enables multinational companies, expats, and investors to access multi-currency accounts, cross-border payment services, and local support in dozens of countries.

6. Risk management and compliance

Effective risk management underpins every successful bank. Adhering to regulations like Basel III, maintaining rigorous internal audits, and enforcing robust anti-money laundering programs all help protect clients and uphold a bank’s reputation. Regular regulatory stress tests and advanced fraud prevention tools are hallmarks of well-managed institutions.

7. Sustainability and ESG performance

A growing number of clients and investors prefer banks that lead in environmental, social, and governance (ESG) practices. From green lending and sustainable investment products to transparent ESG disclosures and ethical governance, these commitments increasingly influence how banks are perceived.

8. Innovation in products and services

The ability to create unique, customer-centric offerings is another differentiator. Whether it’s cryptocurrency custody, specialized SME financing, or personalized digital wealth platforms, innovative products help banks stand out in a competitive marketplace.

9. Strategic mergers and acquisitions

The ability to create unique, customer-centric offerings is another differentiator. Whether it’s cryptocurrency custody, specialized SME financing, or personalized digital wealth platforms, innovative products help banks stand out in a competitive marketplace.

10. Brand value and recognition

A strong brand signals credibility and inspires confidence even before the first account is opened. Recognition by Brand Finance, Euromoney, or Global Finance, along with industry awards and consistent positive media coverage, all contribute to a bank’s standing among the best banks in the world.