Alternatives
Ledger scores 7.7. These are live products NeoBankDB would open next — each with a full review, not a leftover affiliate tile.
4.9 user score on Ledger · compare licences below
| Ledger |  MetaMask |  Trust Wallet |  Exodus |  Krak | |
|---|---|---|---|---|---|
| Editorial score | 7.7 | 7.4 | 7.6 | 7.6 | 6.4 |
| HQ | Paris | New York | Global | Omaha | San Francisco |
| Monthly | App is free. The signer is a purchase. | Free | Free | Free wallet | Confirm the live Krak fee schedule. Do not copy a directory tariff. |
| Protection | Self-custody. No deposit scheme. The 24-word rec | Self-custody. No scheme. | Self-custody. No scheme. | Self-custody — you are the bank. No scheme. | Krak balances are not a bank deposit and are not |
| Card | none | none | none | none | visa |
| Users | 8M+ signers | 100M+ | 200M+ | 4M+ | Kraken / Payward app |
#1 alternative
The EVM browser wallet. Infrastructure, not a bank.
4.2
New York · 100M+ · ConsenSys equity
Not optional if you use EVM. Not a savings product.
Best for: Anyone using Ethereum and L2s.
#2 alternative
Binance-adjacent mobile self-custody, huge in emerging markets.
4.6
Global · 200M+ · Acquired by Binance 2018
The emerging-market wallet. Teach seed hygiene before you recommend it.
Best for: Mobile-first self-custody, especially outside the US/EU banking core.
#3 alternative
Pretty self-custody wallet with built-in swap.
4.5
Omaha · 4M+ · Public (EXOD)
A wallet. If you lose the seed, this register cannot help you.
Best for: People moving off an exchange who still want a designed app.
#4 alternative
Krak is not a bank. The virtual IBAN starts with DE and sits on SEPA. The US Visa is issued by Lead Bank.
4.6
San Francisco · Kraken / Payward app · Payward / Kraken
Krak is not a bank. Payward’s money app sits next to Kraken. The virtual IBAN launched in 2026 starts with DE and runs on SEPA — Krak support says Banking Circle’s German branch issues that number. The US Visa is Lead Bank. Neither object is FDIC, FSCS or Einlagensicherung on Krak’s own name. Keep the salary at a bank. Use Krak as a crypto spend and funding rail.
Best for: Kraken users who want a spend card or a virtual DE IBAN and already keep savings at a real bank.
#5 alternative
FINTRAC MSB + Czech VASP. Named EUR IBAN. Not a bank. Not CBUAE. Not FSCS.
5.0
Dubai marketing / Canada+CZ licences · Crypto-fintech · Private
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.
Best for: Crypto-native users who want a Visa and a named IBAN and already keep operating cash at a real bank.
#6 alternative
USDC super-app. Non-custodial pitch. Not a bank. Not FSD. Not FDIC.
4.7
Miami / LatAm · Stablecoin-wallet · YC / venture
Kontigo Global is a USDC app (Kontigo Inc., YC). Self-custody wallet, on-ramps, card. Not FDIC. Not Peruvian FSD. Kontigo Peru (Gmoney) is a different Lima prepaid. Two logos, two companies. Keep operating cash at a bank. Use this as a dollar-stablecoin rail if you already know what that sentence means.
Best for: People who already understand USDC and want a LatAm on-ramp — not a salary account.
Ledger is scored 7.7. Weaknesses on this file: Phrase risk; Phishing after the customer-data breach. Alternatives above are scored independently, not paid placements.
Coverage is per product. Open the country page and the individual review — a UK bank licence does not travel, and an EMI is not FSCS.
Use Compare on any card, up to four products, then open compare.
