neobankdb.com

FR · EUR

France digital banks

France mixed bank-owned digital brands (Hello bank!, Boursorama) with independents (Nickel, Qonto, Lydia, Revolut). Qonto is the business account default for many SAS/SARL companies. Deblock is the crypto-neobank story. FGDR protection requires a credit institution, not an EMI. We separate those.

16Live on the desk

Regulator

ACPR and AMF

Deposit scheme

FGDR covers eligible deposits up to €100,000

In this market

Licence still sits on the product
ProductScoreHQMonthlyFXUsersLicence
Wise8.6London, United KingdomFree personalMid-market plus a transparent conversion fee — the category benchmark16M+EMI (personal)
Revolut8.6London, United KingdomFreeFair-usage weekday mid-market; weekend markup on Standard50M+UK bank (eligible customers)
Kraken7.9San Francisco, United StatesMaker-takerTight on majors vs retail Coinbase13M+US MSB + exchange
N267.8Berlin, GermanyFree StandardFree on You/Metal; Standard has a weekend/FX fee schedule8M+Credit institution (CRR bank)
Qonto7.7Paris, FrancePaid plans from a small monthlySEPA is the home rail; FX on extras500k businessesPayment institution / EMI-class
bunq7.7Amsterdam, NetherlandsPaid plans (Easy Savings / Easy Bank / Easy Green / Easy Money)Plan-dependent; competitive on higher tiers15M+Credit institution
Binance7.6Global / remote, United Arab EmiratesVIP fee tiersSpot/futures fees; tight on liquid pairs200M+VASP / exchange licences by country
Coinbase7.5San Francisco, United StatesFree to holdSpread on the retail app; Advanced is tighter100M+MSB + state money transmitter / trust
MetaMask7.4New York, United StatesFreeMetaMask Swaps aggregator fee100M+See review
eToro7.4Tel Aviv / London, United KingdomNo monthlyConversion on non-USD deposits35M+Broker
GoHenry7.3London, United KingdomMonthly per child / family planOverseas spend fees2M familiesEMI / prepaid programme
Crypto.com7.2Singapore, SingaporeCard tiers gated by CRO stake (terms change — verify)FX on card + spread on crypto sell80M+Exchange + card programme by market
BforBank7.1Paris, FranceBforBASIC often €0 — confirm live; paid SKUs existBank tariff, not Wise~500,000Credit institution
Gnosis Pay6.9Lisbon / remote, PortugalLow / usage-basedOn-chain to Visa conversionOn-chain usersCrypto card + EMI stack
Aion Bank6.9Brussels, BelgiumSubscription-style packs historically — confirm live UniCredit tariffBank tariffBelgian digital-bank scaleBelgian credit institution (now UniCredit group)
Be-bunk6.2Nouméa / Paris, FranceInclusion SKU — confirm liveXPF/EUR is the home corridorPacific-scalePayment account via Xpollens (BPCE EMI, CIB 51680). BEBUNK SAS, Paris RCS 892 121 559

Questions

Is Qonto a bank?+

Qonto is a licensed payment institution / EMI-class business account in the EU, not a full French retail bank. Client funds are safeguarded. It is still the product French founders search for.

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Cross-check the scoring weights and the graveyard before you treat a leftover landing page as live.