United Arab Emirates
Canada
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
Keytom
FINTRAC MSB + Czech VASP. Named EUR IBAN. Not a bank. Not CBUAE. Not FSCS.
Tap a star to jump to reviews
6.1Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Keytom is not a bank. The money sits with Named EUR IBAN via partners — Keytom is not the bank.
If it fails?
Not FSCS, FDIC, DGS or CBUAE deposit insurance. Fiat is described as segregated. Crypto custody insurance is a vendor pitch (Fireblocks / Marsh) — not a statutory scheme.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Account / card SKU — confirm live
Account number
IBAN is part of the pitch — issuing country not stored.
NeoBankDB Verdict
Licence first · score second
6.1
/10 · Mixed
Keytom is KEYTOM SERVICES LTD (Canada, FINTRAC MSB M21788474) plus a Czech VASP. Dubai is marketing geography. It is not a CBUAE bank and it is not FSCS. A named EUR IBAN is a partner rail. Fireblocks insurance is not a deposit scheme. Keep salary at a bank. Use this as a crypto-fiat card if the file fits.
What it is
Launched into the ‘crypto neobank’ slot in 2024. Directories park it in the UAE because the homepage does. This desk parks it on the MSB number. Wise is the comparable IBAN object. Kraken’s Krak card is the comparable spend object.
Best for: Crypto-native users who want a Visa and a named IBAN and already keep operating cash at a real bank.
Last checked 2026-08-30. Not advice.
What it does well
- +Named FINTRAC MSB number
- +Does not hold a fake CBUAE bank licence
- +Visa + IBAN is the actual product
- +Czech VASP is named
What to watch
- −Not a bank
- −Dubai HQ marketing ≠ UAE bank
- −Tiny store ratings
- −Segregation is not DGS
Who holds the money
The account
How money actually moves
- Who holds the cash
- E-money / stored-value — not a bank deposit
- How money moves
- IBAN / SEPA · Crypto on-ramp
- Built for
- Personal · Travel
- Settlement
- Card auth in seconds
- Freeze risk
- Compliance holds on fiat ramps are common
- Card
- Keytom lists a physical card and a virtual card on visa. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
Not FSCS, FDIC, DGS or CBUAE deposit insurance. Fiat is described as segregated. Crypto custody insurance is a vendor pitch (Fireblocks / Marsh) — not a statutory scheme.
Who holds the money: Named EUR IBAN via partners — Keytom is not the bank
- FINTRACMSB — KEYTOM SERVICES LTD, registration M21788474 · Canada
- Czech VASPKeytom Solutions s.r.o. — crypto-asset service provider, not a bank · Czechia
Fees
- Monthly
- Account / card SKU — confirm live
- FX markup
- Crypto-fiat conversion is the product
- ATM
- Published ATM caps — confirm live
Features
- ✓IBAN
- –Fee-free core
- –Multi-currency
- –Apple Pay
- –Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- ✓Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Named EUR IBAN pitch
- Visa spend
- Crypto ⇌ fiat
- FINTRAC MSB
- Not a bank
Score
- Safety25%
- 4.2
- Fees20%
- 6.4
- Features15%
- 7.4
- App15%
- 6.8
- Global15%
- 7.2
- Support10%
- 5.6
Change log
Full logLicence
FINTRAC MSB M21788474 + Czech VASP
Not a CBUAE bank. Crypto-IBAN rails.
Available in
Straight answers
FAQ
01Is Keytom a bank?
Keytom holds a banking-style licence (FINTRAC). Still read the legal entity on the statement, not the app icon.
02How is money protected?
Not FSCS, FDIC, DGS or CBUAE deposit insurance. Fiat is described as segregated. Crypto custody insurance is a vendor pitch (Fireblocks / Marsh) — not a statutory scheme.
03Where is Keytom available?
We list 2 markets on NeoBankDB. Residency and onboarding rules still sit with Keytom.
04Card and wallets?
Keytom lists a physical card and a virtual card on visa. Confirm the live product in the app — a card is not a current account.
05Can I open Keytom remotely?
Residency and KYC are gated. An App Store listing is not proof you can onboard from your country.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
activeCrypto cardCrypto wallet
- HQ
- San Francisco
- Fee
- Confirm the live Krak fee schedule. Do not copy a directory tariff.
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free