Desk
Insights
Counts from the live desk. Closed brands sit in the graveyard and do not dilute these averages.
202
Live
19
Closed
54
Country tags
6.9
Mean score
Products by vertical
Highest scores
| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Interactive Brokers | 8.6 | Greenwich, United States | No inactivity on many accounts | Institutional-grade FX; a reason people open it | 3.3M accounts | Broker-dealer / FCM | |
 Wise | 8.6 | London, United Kingdom | Free personal | Mid-market plus a transparent conversion fee — the category benchmark | 16M+ | EMI (personal) | |
 Revolut | 8.6 | London, United Kingdom | Free | Fair-usage weekday mid-market; weekend markup on Standard | 50M+ | UK bank (eligible customers) | |
 Airwallex | 8.3 | Singapore, Singapore | Account often free | Transparent conversion + payment fees; typically beats banks | 150k businesses | Payments / EMI-class licences by market | |
 Nubank | 8.1 | São Paulo, Brazil | No annual fee on core card | IOF + spread on foreign spend (Brazil rules) | 100M+ | Financial institution / credit card issuer | |
 Starling Bank | 8.1 | London, United Kingdom | Personal free | Mastercard rate; no Starling markup on personal spend | 4M+ | UK bank | |
 Monzo | 8.1 | London, United Kingdom | Free | Fee-free FX up to plan caps, then a markup | 11M+ | UK bank | |
 Kraken | 7.9 | San Francisco, United States | Maker-taker | Tight on majors vs retail Coinbase | 13M+ | US MSB + exchange | |
 Up | 7.9 | Melbourne, Australia | Free | International spend fees apply (not a travel specialist) | 1M+ | ADI via Bendigo and Adelaide Bank | |
 Ramp | 7.8 | New York, United States | Software + card; pricing by plan | FX on overseas card spend | 40k businesses | Commercial card programme |
Highest safety marks
| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 Chase UK | 7.6 | London, United Kingdom | £0 | No Chase markup on spend abroad. Mastercard rate. Local ATM owners may still charge. | UK digital bank | UK bank | |
 SoFi | 7.8 | San Francisco, United States | $0 on Checking and Savings | US domestic. International ATM and spend fees apply. | 10M+ | National bank charter | |
| Starling Bank | 8.1 | London, United Kingdom | Personal free | Mastercard rate; no Starling markup on personal spend | 4M+ | UK bank | |
 Zak | 7.5 | Basel, Switzerland | CHF 0 on Zak. Zak Plus is CHF 8/month. | Visa reference plus about 2% on the Bank Cler factsheet. | Bank Cler digital | Swiss bank (Bank Cler AG) | |
 Varo Bank | 7.3 | Draper, United States | $0 on the core bank account | No foreign-transaction fee advertised on the debit card. | US digital bank | National bank charter | |
| Interactive Brokers | 8.6 | Greenwich, United States | No inactivity on many accounts | Institutional-grade FX; a reason people open it | 3.3M accounts | Broker-dealer / FCM | |
 Tangerine | 7.1 | Toronto, Canada | No monthly on core chequing (conditions apply) | Retail FX — not Wise | 2M+ | Schedule I bank | |
| Monzo | 8.1 | London, United Kingdom | Free | Fee-free FX up to plan caps, then a markup | 11M+ | UK bank |
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