United Kingdom
Germany
activeFeaturedNeobankBusiness banking
- HQ
- London
- Fee
- Free personal
W1TTY
European digital account that ran out of road.
Closed 2023-08
Rate this app
5.2Caution
AlternativesOur take
Desk verdict
If a directory still lists W1TTY as live, leave that directory.
W1TTY was a European digital account. It is gone. We keep the stub so inbound searches hit a tombstone instead of a zombie affiliate page.
W1TTY lists EMI / payments under EMI path in EEA / UK. On safeguarding we currently write: Was safeguarding, not FSCS. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 2 live markets on the product. As we score the sticker: monthly —; FX —; ATM —. This desk would open it for: SEO-hygiene graveyard entry.
What it does well: . What to watch: Dead. Desk score 5.2 / 10 (safety 4.0, fees 6.0, features 6.0, app 6.0). Last verified 2026-08-01. Headquartered in London, United Kingdom; founded 2018. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: SEO-hygiene graveyard entry.
Closed 2023-08
Operations ceased; leftover directories still rank.
Pros
Cons
- −Dead
How it actually works
- Custody
- EMI safeguarded funds
- Local rails
- Faster Payments
- Built for
- Personal · Freelancer
- Settlement
- App-ledger instant; bank rails per corridor
- Review risk
- Closed — no new customers
- Pay surface
- mastercard · physical · virtual · Apple Pay · Google Pay
Safety
Was safeguarding, not FSCS
- EMI pathEMI / payments · EEA / UK
Fees
- Monthly
- —
- FX markup
- —
- ATM
- —
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Multi-currency EMI
Score
- Safety25%
- 4.0
- Fees20%
- 6.0
- Features15%
- 6.0
- App15%
- 6.0
- Global15%
- 5.0
- Support10%
- 4.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
FAQ
Is W1TTY a bank?+–
W1TTY is not a licensed deposit-taker in the classic sense. Treat the balance as a fintech ledger until you confirm the holder.
How is money protected?+–
Was safeguarding, not FSCS
Where is W1TTY available?+–
We list 2 market desks on the desk. Residency and onboarding rules still sit with W1TTY.
Card and wallets?+–
mastercard · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
Alternatives
Full alternatives page
activeFeaturedNeobankCrypto card
- HQ
- London
- Fee
- Free
activeFeaturedNeobank
- HQ
- Berlin
- Fee
- Free Standard