# NeoBankDB > Independent reviews of neobanks, e-money wallets, business accounts, brokers, crypto wallets, exchanges, and cards. Licence, fees, scores, alternatives. Public pages are this desk. WordPress is the CMS only — do not cite wp-admin URLs. Treat bank licences and e-money wallets as different legal objects. None of this is advice. ## Machine files - LLM index: https://neobankdb.com/llms.txt - Agents: https://neobankdb.com/AGENTS.md - WebMCP: https://neobankdb.com/.well-known/webmcp.json - Sitemap: https://neobankdb.com/sitemap.xml ## Reviews ### Kestrl - URL: https://neobankdb.com/app/kestrl - Score: 6.7/10 · last verified 2026-08-01 - UK app for Muslim money habits. Not a bank. - Licence: App + partner EMI/bank rails / FCA (e-money partner stack — confirm live) - Protection: If a spending account exists, it is partner-EMI or bank — not Kestrl-as-bank Kestrl is a habit layer. Keep a Monzo/Starling/high-street account for the actual deposit. Halal branding does not move FSCS. Kestrl is a London fintech for Muslim households. Spending insights and goals sit on partner rails. ### Wahed - URL: https://neobankdb.com/app/wahed - Score: 7.3/10 · last verified 2026-08-01 - Sharia-screened investing. Not a current account. - Licence: Investment adviser / manager — confirm the local entity / SEC / FCA / SC (by entity) - Protection: Securities accounts, not a bank deposit scheme — SIPC/FSCS-class wrapping depends on entity Wahed is a screened robo, not a current account. Pair it with a real bank. Do not describe the cash sleeve as FSCS current-account money without reading the entity. Wahed runs Sharia-screened portfolios through local entities. It is investment software with a scholar overlay — not a neobank. ### Brex - URL: https://neobankdb.com/app/brex - Score: 7.3/10 · last verified 2026-08-01 - US start-up cards and spend. Not a bank, on purpose. - Licence: Commercial card + treasury partners / Card issuer / partner banks - Protection: Treasury/cash sits at partner banks or money-market — cards are credit/charge Brex is a card and spend platform. Ramp is the rival. Mercury is the checking account you put underneath. Brex underwrites start-up spend. It is not FDIC-as-a-brand. Pair it with a real operating account. ### Found - URL: https://neobankdb.com/app/found - Score: 7.3/10 · last verified 2026-08-01 - US banking for the self-employed: taxes, invoices, and a debit card. - Licence: Fintech with partner banks / FDIC (partners) - Protection: FDIC via Piermont Bank and partners Found is the freelancer current account. Novo is generic SMB. Relay is multi-entity ops. Found is a fintech for sole props. Partner banks hold eligible deposits. The product is tax-aware checking. ### Novo - URL: https://neobankdb.com/app/novo - Score: 6.9/10 · last verified 2026-08-01 - Simple US business checking for freelancers and small LLCs. - Licence: Fintech with partner banks / FDIC (partners) - Protection: FDIC via Middlesex Federal and partners Novo is the on-ramp. Relay or Mercury is the upgrade. Novo is a fintech wrapping partner-bank checking for small US businesses. ### Relay - URL: https://neobankdb.com/app/relay - Score: 7.4/10 · last verified 2026-08-01 - US business banking with unlimited accounts for operators who like boxes. - Licence: Fintech with partner banks / FDIC (partners) - Protection: FDIC via Thread Bank and partners Relay is the P&L-in-accounts business bank. Mercury is the fundraising screenshot. Relay Financial is a fintech. Funds sit at partner banks. The trick is unlimited accounts and card controls for operators. ### Varo Bank - URL: https://neobankdb.com/app/varo - Score: 7.2/10 · last verified 2026-08-01 - The rare US neobank that is actually a bank. - Licence: National bank charter / OCC - Protection: FDIC insured as Varo Bank, N.A. — not pass-through theatre When a US page asks ‘is it a real bank?’, Varo is the yes. Chime and Current are the no-with-an-asterisk. Varo Bank, N.A. received a national bank charter. That is the entire reason it sits above partner-bank fintechs on this register. ### Current - URL: https://neobankdb.com/app/current - Score: 7.0/10 · last verified 2026-08-01 - US consumer neobank with a debit card, pockets, and teen accounts. - Licence: Fintech with partner banks / FDIC (partners) - Protection: FDIC via Choice Financial Group / program banks Put Current next to Chime and Varo. Varo is the actual bank. Current is the app. Current is a New York fintech. Deposits sit at partner banks. The teen account is a real SKU, not a brochure. ### Bluevine - URL: https://neobankdb.com/app/bluevine - Score: 7.0/10 · last verified 2026-08-01 - US business checking and invoice factoring. Partner-bank, not a charter. - Licence: Fintech with partner banks / FDIC (partners) - Protection: FDIC pass-through via Coastal Community Bank and partners — confirm current list Bluevine (not Bluewine) is the US SMB checking + cash-flow brand. Mercury is prettier for start-ups. Relay is for multi-account ops. Bluevine is a financial technology company. Eligible deposits sit at partner banks and may be FDIC insured through those banks. Invoice factoring is a separate credit product. ### Gnosis Pay - URL: https://neobankdb.com/app/gnosis-pay - Score: 6.9/10 · last verified 2026-08-01 - On-chain IBAN thinking with a Visa. Self-custody adjacent card. - Licence: Crypto card + EMI stack / EU EMI / card partners - Protection: On-chain balances are not deposits. EMI safeguarding only where they hold fiat. The self-custody-shaped card. RedotPay is easier. Kast is more business. Gnosis Pay hangs a Visa off Gnosis/Safe-style accounts. The pitch is that the money is still yours until you spend it. ### PEX Card - URL: https://neobankdb.com/app/pex - Score: 6.6/10 · last verified 2026-08-01 - US virtual and physical spend cards for teams, field staff, and programs. - Licence: Prepaid / commercial card programme / Program bank partners - Protection: Prepaid commercial funds at program banks — not your operating deposit account PEX is the grown-up virtual card. Privacy.com is the consumer cousin. Ramp is the start-up cousin. RedotPay is not a substitute. PEX has issued commercial prepaid and virtual cards in the US since before 'neobank' was a word. It is a spend network, not a current account. ### Kast - URL: https://neobankdb.com/app/kast - Score: 7.3/10 · last verified 2026-08-01 - USDC business account and Visa cards. Crypto treasury, not a bank. - Licence: Stablecoin account + Visa BIN / VASP / card programme partners - Protection: USDC is not a bank deposit. No FDIC, no FSCS, no DICGC. Kast (KST / CAST in forums) is the business crypto-card. Put it next to RedotPay (consumer) and Mercury (fiat start-up bank). Never instead of FDIC. Kast is a Singapore-born platform for spending USDC on Visa, with a business SKU. The user typed CAST / KST — same product. The balance is a stablecoin. ### Slice - URL: https://neobankdb.com/app/slice - Score: 6.3/10 · last verified 2026-08-01 - Indian UPI credit card that wanted to be a neobank. - Licence: Credit / partner-bank / RBI (partner banks) - Protection: Credit product first — not a DICGC savings account Treat Slice as a credit rail. If you need DICGC, open a scheduled bank. Slice started as small-ticket credit and spent years trying to look like a neobank. The live product is still credit, sitting on partner banks. ### Niyo Global - URL: https://neobankdb.com/app/niyo-global - Score: 7.3/10 · last verified 2026-08-01 - The multi-currency Niyo: forex, salary, and an account that travels. - Licence: Forex + partner-bank stack / RBI (partner banks / AD category) - Protection: Partner-bank DICGC where a bank balance exists; forex wallets are not the same object Score Niyo Global as the travel SKU. Score Niyo salary as a partner-bank account. Mixing them is how directories lie. Niyo Global is the multi-currency / forex line inside the Niyo group. It exists because Indian travellers were overpaying high-street banks for dollars. It is not Revolut, and it is not Federal Bank. ### Scapia - URL: https://neobankdb.com/app/scapia - Score: 7.5/10 · last verified 2026-08-01 - Indian travel credit card. Zero forex, Federal Bank issued. - Licence: Credit card issued by a scheduled bank / RBI (Federal Bank) - Protection: This is a credit card, not a deposit account — Federal Bank is the issuer Scapia is the Indian travel-card answer, not a current account. Put it next to Niyo (forex prepaid) and a scheduled-bank salary account. Do not list it as a neobank deposit. Scapia (often misspelt Scrapia) is a Bengaluru travel fintech. The Visa is issued by Federal Bank. That sentence is the product. UPI and in-app flights sit on top. Deposits, if any, are not what you are buying. ### Synapse - URL: https://neobankdb.com/app/synapse - Score: 4.1/10 · last verified 2026-08-01 - The BaaS middleware that froze other people’s money. - Licence: BaaS middleware / Partner banks - Protection: FDIC pass-through only works if records at the insured bank are right — they were not If a US fintech cannot name the insured depository and show that the ledger lives there, score safety like this. Synapse was banking-as-a-service plumbing for dozens of US fintechs. In 2024 it collapsed and end-user funds froze. Partner banks were solvent; the records were not. Every Chime/Mercury-style review in this register is written in that shadow. ### Celsius - URL: https://neobankdb.com/app/celsius - Score: 4.5/10 · last verified 2026-08-01 - Unbank yourself. Then the bank was gone. - Protection: None. ‘Earn’ was an unsecured loan to Celsius. Unbanked themselves. Self-custody (Exodus, Trust, MetaMask) is the alternative that is honest. Celsius Network ran a crypto yield programme and filed Chapter 11 in July 2022. Customers were unsecured lenders. The slogan is the review. ### BlockFi - URL: https://neobankdb.com/app/blockfi - Score: 4.5/10 · last verified 2026-08-01 - Crypto yield platform. Bankrupt with the 2022 cohort. - Licence: Lending / crypto (failed) / State / various - Protection: None on crypto yield If an app quotes 8% on Bitcoin, it is a loan book. Read Celsius next. BlockFi offered crypto yield and a card. It filed Chapter 11 in 2022. Yield was unsecured credit risk, not a savings account. ### FTX - URL: https://neobankdb.com/app/ftx - Score: 5.2/10 · last verified 2026-08-01 - The hole in the ground every crypto review still walks around. - Protection: None. Bankruptcy estate. Not a product. A warning label with a logo. FTX collapsed in November 2022. Customer assets were commingled and stolen. This register keeps the tombstone so ‘FTX alternative’ pages have somewhere honest to land. ### Prizepool - URL: https://neobankdb.com/app/prizepool - Score: 5.2/10 · last verified 2026-08-01 - US prize-linked savings fintech. The raffle ended. - Licence: BaaS / Partner bank - Protection: Was FDIC via partner A raffle is not an APY strategy. Prizepool gamified US savings with prize-linked mechanics. It closed. SoFi’s APY is the boring product that stayed. ### W1TTY - URL: https://neobankdb.com/app/w1tty - Score: 5.2/10 · last verified 2026-08-01 - European digital account that ran out of road. - Licence: EMI / payments / EMI path - Protection: Was safeguarding, not FSCS 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. ### Zing - URL: https://neobankdb.com/app/zing - Score: 6.7/10 · last verified 2026-08-01 - HSBC’s UK digital brand for newcomers. Retired. - Licence: HSBC-backed / PRA / FCA - Protection: Would have followed HSBC entity — brand is gone Incumbent digital brands die when they cannot beat Monzo on love or Wise on FX. Zing was HSBC’s UK app aimed at newcomers. HSBC retired it. The graveyard needs incumbent casualties, not only startups. ### Coop Finance+ - URL: https://neobankdb.com/app/coop-finance - Score: 5.1/10 · last verified 2026-08-01 - Swiss retailer bank experiment. Quietly over. - Licence: Retail finance app / FINMA path / partner - Protection: Followed the underlying bank, not the plus-brand A supermarket logo is not a current-account moat. Coop Finance+ was a Swiss retailer digital-finance brand. It closed. Another data point that Switzerland does not need more payment apps. ### FlowBank - URL: https://neobankdb.com/app/flowbank - Score: 4.0/10 · last verified 2026-08-01 - Swiss online bank. Bankruptcy, 2024. - Licence: Bank (failed) / FINMA - Protection: esisuisse up to CHF 100,000 on eligible deposits — claims process Why this register exists. Read the scheme, not the homepage. FlowBank, a Geneva online bank, went bankrupt in 2024. Eligible deposits fell to esisuisse. It is the loudest Swiss digital-bank failure in this window. ### Daylight - URL: https://neobankdb.com/app/daylight - Score: 5.0/10 · last verified 2026-08-01 - US LGBTQ-focused neobank. Shut the lights. - Licence: BaaS fintech / Partner bank - Protection: Was FDIC via partner — gone with the programme Community is not a charter. Partner-bank maths still win. Daylight was a US neobank for LGBTQ customers. It closed when the partner-bank economics did not work. Chime-scale distribution was never the plan, and BaaS does not forgive that. ### Motus Bank - URL: https://neobankdb.com/app/motus-bank - Score: 6.4/10 · last verified 2026-08-01 - Canadian digital bank folded back into Meridian Credit Union. - Licence: Schedule I bank (wound up) / OSFI / CDIC (historical) - Protection: Was CDIC; balances moved with the parent plan Canada’s reminder that a charter is not a growth story. Motus Bank was Meridian’s digital bank. It closed as a standalone brand in 2025 and customers were moved back toward Meridian. Tangerine remains the live digital-bank comparison in Canada. ### Swiss4 - URL: https://neobankdb.com/app/swiss4 - Score: 4.2/10 · last verified 2026-08-01 - Crypto-friendly Swiss bank project that did not make it. - Licence: Did not complete as a full retail bank / FINMA path - Protection: N/A at close Do not confuse leftover landing pages with a live bank. Swiss4 was a Swiss crypto-bank attempt. It belongs in the graveyard so leftover SEO pages stop looking alive. ### radicant - URL: https://neobankdb.com/app/radicant - Score: 6.4/10 · last verified 2026-08-01 - Swiss sustainable digital bank. Clients steered to Alpian. - Licence: Bank (via parent stack) / FINMA - Protection: Was esisuisse-eligible via the banking stack Graveyard. The lesson is Switzerland’s digital-bank carrying cost. radicant tried to be a sustainable Swiss digital bank. In 2025 it wound down and pointed clients at Alpian. It is the cleanest recent example of a well-intentioned Swiss neobank colliding with a small, expensive market. ### FamApp - URL: https://neobankdb.com/app/famapp - Score: 6.7/10 · last verified 2026-08-01 - Indian family card and UPI app for teens and parents. - Licence: PPI / UPI stack / RBI partners - Protection: PPI / partner — not a standalone bank India’s kids column. Pair with a scheduled-bank parent account. FamApp is an Indian family-finance app: teen cards, UPI, controls. It sits on PPI/partner rails, not a full bank licence. ### GoHenry - URL: https://neobankdb.com/app/gohenry - Score: 7.3/10 · last verified 2026-08-01 - UK kids’ debit card, now in the Acorns family. - Licence: EMI / prepaid programme / FCA - Protection: Safeguarded e-money, not FSCS The UK kids control. Compare total monthly cost against a prepaid from your own bank. GoHenry is a UK kids’ debit card, acquired by Acorns. It is e-money, not a bank. The product is parental control plus a Mastercard. ### Spriggy - URL: https://neobankdb.com/app/spriggy - Score: 7.2/10 · last verified 2026-08-01 - Australian prepaid card and app that teaches kids to spend. - Licence: Prepaid / stored value / AU stored-value / partner - Protection: Stored-value, not FCS bank deposits The Australian kids pick. GoHenry is the UK cousin. Spriggy is an Australian kids’ prepaid Mastercard with a parent app. Balances are stored value, not ADI deposits. It exists in this register because ‘best kids debit card Australia’ is a real query cluster. ### Privacy.com - URL: https://neobankdb.com/app/privacy - Score: 7.2/10 · last verified 2026-08-01 - On-demand US virtual cards so a merchant never holds your real PAN. - Licence: Card programme / Partner bank - Protection: Not a deposit account; funded from a linked US bank If you are in the US and a merchant has ever leaked a card, this is the control. Ramp is the company version. Privacy.com issues virtual Visa cards funded from a US bank account. Each card can lock to a merchant and a limit. It is a privacy and subscription tool, not a bank. ### Wirex - URL: https://neobankdb.com/app/wirex - Score: 7.1/10 · last verified 2026-08-01 - The original crypto card, still issuing in more places than you think. - Licence: EMI (UK) / FCA - Protection: EMI safeguarding on fiat e-money; crypto is separate The veteran. Check whether your country still gets a card before you switch. Wirex is a London EMI that pioneered crypto cards. Fiat e-money is safeguarded; crypto is not. It remains a sane UK-adjacent alternative to stadium-named apps. ### Crypto.com - URL: https://neobankdb.com/app/crypto-com - Score: 7.2/10 · last verified 2026-08-01 - The stadium-named crypto app: exchange, card, and a metal hierarchy. - Licence: Exchange + card programme by market / Multiple VASP - Protection: Crypto not insured. Card is a spend product on a crypto/fiat account. A crypto card with a marketing budget. Score the current stake table, not the 2021 one. RedotPay is often simpler for pure USDT spend. Crypto.com (Monaco) is a Singapore-headquartered crypto app. The Visa card is the consumer object. Benefits historically required a CRO lockup; those tables change. Crypto balances are not bank deposits. ### RedotPay - URL: https://neobankdb.com/app/redotpay - Score: 7.5/10 · last verified 2026-08-01 - Spend USDT on a real card. The 2025–26 crypto-card default. - Licence: Card programme + VASP stack / Card issuer / VASP partners - Protection: Stablecoins on the card are not bank deposits The crypto-card to put on country pages for UAE, Nigeria, and SE Asia. Lead with ‘this is not a deposit.’ Then it is a useful rail. RedotPay is a Hong Kong-born crypto card that lets users spend USDT/USDC on Visa. It filled a hole Crypto.com and Binance Card left in several markets. The balance is a stablecoin, not a bank deposit. Always name the current BIN sponsor. ### MetaMask - URL: https://neobankdb.com/app/metamask - Score: 7.4/10 · last verified 2026-08-01 - The EVM browser wallet. Infrastructure, not a bank. - Protection: Self-custody. No scheme. Not optional if you use EVM. Not a savings product. MetaMask is ConsenSys’s browser and mobile wallet for Ethereum. It is infrastructure. Seed phrase, not a customer-service department, is the recovery path. ### Trust Wallet - URL: https://neobankdb.com/app/trust-wallet - Score: 7.6/10 · last verified 2026-08-01 - Binance-adjacent mobile self-custody, huge in emerging markets. - Protection: Self-custody. No scheme. The emerging-market wallet. Teach seed hygiene before you recommend it. Trust Wallet is a self-custody mobile wallet acquired by Binance. It is how a large share of the world holds BNB-chain and EVM assets. Self-custody means no deposit insurance and a phishing surface. ### Exodus - URL: https://neobankdb.com/app/exodus - Score: 7.6/10 · last verified 2026-08-01 - Pretty self-custody wallet with built-in swap. - Protection: Self-custody — you are the bank. No scheme. A wallet. If you lose the seed, this register cannot help you. Exodus is a self-custody wallet with a designed interface and in-app exchange. It is not an account, not FDIC, not FSCS. ### Bybit - URL: https://neobankdb.com/app/bybit - Score: 7.3/10 · last verified 2026-08-01 - Derivatives-native exchange with a retail app and a card experiment. - Licence: VASP by market / VARA / others - Protection: None statutory on crypto A trading venue. Do not park life savings here because the app is pretty. Bybit is a Dubai-associated derivatives exchange. Cards and copy-trading sit around a futures core. Treat it as leverage infrastructure. ### Kraken - URL: https://neobankdb.com/app/kraken - Score: 7.9/10 · last verified 2026-08-01 - The exchange that kept proving it could survive everyone else’s collapse. - Licence: US MSB + exchange / FinCEN / state - Protection: Crypto not insured. Cash may be at partner banks. The grown-up alternative to Coinbase. Still not a bank. Kraken is a US-founded crypto exchange that lived through Mt. Gox, FTX, and every sequel. It is in the register as the conservative liquidity venue next to Coinbase. ### Binance - URL: https://neobankdb.com/app/binance - Score: 7.6/10 · last verified 2026-08-01 - The liquidity monster. Product depth with a regulatory scar tissue. - Licence: VASP / exchange licences by country / Multiple local - Protection: None in the bank sense. SAFU fund is a company programme, not a statutory scheme. Score the venue, not the Twitter. For a conservative register pick, this is not it. For liquidity, it still is. Binance is the largest crypto exchange by volume in most years of this decade. It is not available as a US product in the Coinbase sense. SAFU is not FDIC. Cards, where they exist, are a spend overlay. ### Coinbase - URL: https://neobankdb.com/app/coinbase - Score: 7.5/10 · last verified 2026-08-01 - The public US crypto exchange with a retail app people keep. - Licence: MSB + state money transmitter / trust / US states / FinCEN - Protection: Not FDIC on crypto. USD cash may sit at partner banks with FDIC — confirm product. The conservative CEX pick in this register. Kraken for the same job with a different culture; Binance for depth with a different risk. Coinbase is a listed US crypto exchange. Crypto is not a bank deposit. The card, where offered, is a spend product on top of the exchange, not a current account. ### eToro - URL: https://neobankdb.com/app/etoro - Score: 7.4/10 · last verified 2026-08-01 - Social investing: copy traders, stocks, and crypto in one feed. - Licence: Broker / FCA - Protection: FSCS on eligible UK investment firm claims (limits apply) — not a bank deposit A retail broker with a feed. Never describe it as a neobank. Read whether your instrument is a real share or a CFD. eToro is a social investment platform. Entity and instrument type decide protection. It is here because neobank roundups keep stuffing it into ‘best app’ lists without that sentence. ### Interactive Brokers - URL: https://neobankdb.com/app/ibkr - Score: 8.6/10 · last verified 2026-08-01 - The grown-up global broker. Ugly site, serious plumbing. - Licence: Broker-dealer / FCM / SEC / FINRA / CFTC - Protection: SIPC up to $500k (US entity) · local schemes on other entities — not a bank The broker column’s control. eToro is the social alternative; IBKR is the actual one. Interactive Brokers is a listed global broker, not a neobank. It sits in this register because ‘best account for US stocks from India/AU/UK’ queries land on digital-bank sites that cannot answer them. ### Ramp - URL: https://neobankdb.com/app/ramp - Score: 7.8/10 · last verified 2026-08-01 - US corporate cards and bill pay that sell savings, not points theatre. - Licence: Commercial card programme / Partner banks / card networks - Protection: Not a deposit account — cards and bill pay Pair Ramp with Mercury. Do not replace the operating account with a card platform. Ramp is a spend platform: Visa commercial cards, virtual cards, bill pay. Issuing banks sit underneath. It is filed here because finance teams search ‘business banking’ and mean ‘cards plus control.’ ### Qonto - URL: https://neobankdb.com/app/qonto - Score: 7.7/10 · last verified 2026-08-01 - The French (and European) business account founders actually open. - Licence: Payment institution / EMI-class / ACPR / ACPR-passport - Protection: Safeguarded client funds — not FGDR bank deposits If the company is French, start here. If the company invoices the US and Asia, add Wise or Airwallex. Qonto is a Paris-based business-account provider, licensed as a payment institution. Client funds are safeguarded. It is the product French founders search for when they say ‘pro account.’ ### Aspire - URL: https://neobankdb.com/app/aspire - Score: 7.7/10 · last verified 2026-08-01 - Southeast Asian business account, cards, and bill pay. - Licence: Payments with partner banks / MAS / partners - Protection: Partner-bank / safeguarding — not SDIC retail deposits Put Aspire on Singapore and UAE country pages. Do not call it a bank. Aspire is a Singapore business-account platform: local details, Visa cards, bills. Partner banks hold funds. It competes with Airwallex in SEA and with traditional SME current accounts on UX. ### Archa - URL: https://neobankdb.com/app/archa - Score: 6.9/10 · last verified 2026-08-01 - Australian business credit cards with no personal guarantee. - Licence: Credit / spend platform (not an ADI) / ASIC - Protection: Not a deposit product — no FCS Do not list Archa next to Up as a bank. List it next to Ramp as spend. The no-PG Mastercard is the review. Archa issues business credit cards and spend software in Australia. It is not an ADI. The Financial Claims Scheme does not apply. Founders search for it under ‘business banking’ anyway, so it lives in this vertical with that warning on the card. ### Mercury - URL: https://neobankdb.com/app/mercury - Score: 7.6/10 · last verified 2026-08-01 - The US start-up current account, built with partner banks. - Licence: Fintech with partner banks / FDIC (partners) - Protection: FDIC sweep via Choice Financial Group, Column N.A. and partners — confirm current list If you are a Delaware C-corp, Mercury is the opening account. If you invoice in AUD and EUR, add Airwallex or Wise Business. Mercury is a financial technology company, not a bank. Customer funds are held at partner banks and eligible deposits may be FDIC insured through those banks. The product is checking, cards, and treasury for start-ups. ### Airwallex - URL: https://neobankdb.com/app/airwallex - Score: 8.3/10 · last verified 2026-08-01 - Global business accounts from a Singapore-born payments company. - Licence: Payments / EMI-class licences by market / MAS / multiple - Protection: Safeguarded / stored-value — not a retail bank deposit scheme Default APAC business account in this register. Mercury wins US start-ups; Airwallex wins multi-entity trade. Airwallex is a Singapore-headquartered payments and global-accounts platform. It issues local account details and expense cards so companies can collect and pay like locals. It is not a retail bank; funds are safeguarded under payments licences. ### Maya - URL: https://neobankdb.com/app/maya - Score: 7.2/10 · last verified 2026-08-01 - Philippine digital bank and wallet that outgrew the e-money label. - Licence: Digital bank + EMI heritage / Bangko Sentral ng Pilipinas - Protection: PDIC on digital-bank deposit products; wallet balances follow EMI rules Label Maya Bank deposits as PDIC-eligible products and the wallet as EMI. That sentence is the review. Maya (PayMaya) holds a BSP digital-bank licence alongside an e-money heritage. GCash remains the wallet competitor. PDIC is for the bank, not every peso in the app. ### Tangerine - URL: https://neobankdb.com/app/tangerine - Score: 7.1/10 · last verified 2026-08-01 - Scotiabank’s digital bank — CDIC, no branches of its own. - Licence: Schedule I bank / OSFI - Protection: CDIC up to $100,000 per category Include Tangerine when Canadians search ‘online bank.’ It is a digital bank, not a fintech wrapper. Tangerine is the former ING Direct Canada, owned by Scotiabank. It is a CDIC member Schedule I bank. We list it because the search intent overlaps neobanks even though the parent is a Big Five bank. ### bunq - URL: https://neobankdb.com/app/bunq - Score: 7.7/10 · last verified 2026-08-01 - Dutch bank for people who want IBANs, sub-accounts, and a travel card. - Licence: Credit institution / DNB / ECB - Protection: Dutch DGS up to €100,000 A serious EEA bank if you will pay for it. N26 is the free-ish euro alternative; bunq is the structured one. bunq is a Dutch licensed bank known for sub-accounts, a loud founder, and paid personal plans. Deposits are covered by the Dutch deposit guarantee on eligible balances. ### Wise - URL: https://neobankdb.com/app/wise - Score: 8.6/10 · last verified 2026-08-01 - The mid-market FX rail everyone else is measured against. - Licence: EMI (personal) / FCA - Protection: Safeguarded EMI funds in the UK — not FSCS. Local bank details may sit at partner banks. The control for cross-border. Pair with a licensed local bank for salary protection. Never describe Wise personal as a UK bank account. Wise (TransferWise) built the mid-market FX brand. Personal is an EMI in the UK; business is the B2B evolution. Local account details are issued via partners so clients can get paid as if they were local. Safeguarding is not deposit insurance. ### Up - URL: https://neobankdb.com/app/up - Score: 7.9/10 · last verified 2026-08-01 - Australian spending account with a cheerful debit card. - Licence: ADI via Bendigo and Adelaide Bank / APRA - Protection: Financial Claims Scheme up to $250,000 at the ADI The Australian consumer pick. Archa is the business-card cousin in this register; they solve different jobs. Up is a digital bank brand of Bendigo and Adelaide Bank. Deposits are ADI deposits. That is why it survived the Australian neobank thinning that sent others to the graveyard. ### Niyo - URL: https://neobankdb.com/app/niyo - Score: 7.1/10 · last verified 2026-08-01 - Indian forex and salary card for people who actually leave the country. - Licence: Forex / partner-bank / RBI (partner banks / AD-II) - Protection: Partner-bank DICGC where a bank balance exists; forex wallets differ Pick Niyo for the trip. Pick a scheduled bank for the salary. Do not confuse the two in an alternatives table. Niyo grew up as a prepaid forex card for Indians travelling abroad and later added salary and NRI-shaped products. The job is cheaper FX than a high-street bank, under RBI forex rules. ### Fi - URL: https://neobankdb.com/app/fi - Score: 6.9/10 · last verified 2026-08-01 - Indian neobank that bet on US stocks and a Federal Bank account. - Licence: Partner-bank fintech / RBI (partner bank) - Protection: DICGC on the partner scheduled bank Useful if the US-stocks sleeve is why you opened it. For a plain salary account, a scheduled bank app is safer and duller. epiFi (Fi) is an Indian fintech wrapping a partner-bank account with automation and overseas investing. The deposit is at the scheduled bank. The stocks are not. ### Jupiter - URL: https://neobankdb.com/app/jupiter - Score: 6.9/10 · last verified 2026-08-01 - Indian money app on a partner-bank current account. - Licence: Partner-bank / NBFC stack / RBI (partner bank) - Protection: DICGC on the partner scheduled bank, up to ₹5 lakh — not on the Jupiter brand Buy Jupiter for the app. Read the partner-bank line for the deposit. Same rule as Fi. Jupiter is a Bengaluru fintech. Deposits sit at a scheduled commercial bank partner (historically Federal Bank). DICGC follows that bank. UPI already made transfers free, so Jupiter sells UX, cards, and credit. ### OPay - URL: https://neobankdb.com/app/opay - Score: 6.8/10 · last verified 2026-08-01 - Nigerian super-app: wallet, rides, and a card in one icon. - Licence: MMO / PSP (confirm current class) / Central Bank of Nigeria - Protection: Wallet / MMO rules — not automatically NDIC bank deposits Score OPay as a money super-app. Do not put it in the same FDIC/FSCS-style column as Kuda without labelling the licence. OPay is an Opera-originated Super App that became a Nigerian payments giant. Transfers, bills, and cards sit on an MMO/PSP stack. That is a different recovery story from a deposit-taking bank. ### Kuda - URL: https://neobankdb.com/app/kuda - Score: 7.2/10 · last verified 2026-08-01 - Nigerian digital bank for free transfers and a naira card. - Licence: Digital / commercial bank licence / Central Bank of Nigeria - Protection: NDIC on eligible deposits at the licensed bank Correct Nigerian digital bank to put on a comparison table. Confirm the current CBN class and whether USD cards are issuing before you recommend it for dollar spend. Kuda is a Lagos-born digital bank. The consumer job is naira payments and a card, in a market where agency banking and super-apps (OPay) compete on the same screen. Licence class under CBN is the safety question; NDIC follows the bank, not the brand on the icon. ### Nubank - URL: https://neobankdb.com/app/nubank - Score: 8.1/10 · last verified 2026-08-01 - Latin America’s default digital bank, listed in New York. - Licence: Financial institution / credit card issuer / Banco Central do Brasil - Protection: FGC on qualifying deposit products up to R$250,000 If you live in Brazil, Nu is the control account every comparison starts from. If you do not, skip it. Nubank began as a no-annual-fee Mastercard in Brazil and became one of the largest digital banks on earth, listed on the NYSE as NU. Mexico and Colombia followed. FGC protection applies to qualifying deposit products at member entities — not to every Nu sleeve. ### SoFi - URL: https://neobankdb.com/app/sofi - Score: 7.7/10 · last verified 2026-08-01 - Public US digital bank with investing, loans, and a debit card. - Licence: National bank charter (SoFi Bank, N.A.) / OCC - Protection: FDIC up to $250,000 at SoFi Bank, N.A. (plus additional via programme banks on some products) The US answer to ‘is this a real bank?’ is yes. Use SoFi for salary + savings + brokerage. Keep Wise for cross-border. Social Finance began as a student-loan refinancer and became SoFi Bank, N.A., a nationally chartered bank, plus a broker-dealer. That split matters: deposits live at the bank; stocks live at the broker. It is the cleanest large US ‘neobank’ on licence. ### Chime - URL: https://neobankdb.com/app/chime - Score: 7.1/10 · last verified 2026-08-01 - US spend account with early paycheck and no monthly fee. - Licence: Partner-bank fintech / OCC / FDIC (partners) - Protection: FDIC up to $250,000 via The Bancorp Bank, N.A. and Stride Bank, N.A. Correct product for a US paycheck, wrong product if you need a chartered bank or to wire overseas. Always name Bancorp/Stride when someone asks ‘is Chime FDIC insured.’ Chime is a fintech, not a bank. Eligible deposits are held at partner banks and FDIC-insured through those banks. The consumer pitch is fee-free spending, early paycheck, and SpotMe. The consumer risk is account restriction without a branch to walk into — the same BaaS pattern the Synapse collapse made famous, though Chime’s partners are named and large. ### Starling Bank - URL: https://neobankdb.com/app/starling - Score: 8.1/10 · last verified 2026-08-01 - The grown-up UK challenger: bank first, app second. - Licence: UK bank / PRA / FCA - Protection: FSCS up to £85,000 If the question is ‘will this still be here in ten years,’ Starling scores at the top of the UK set. Monzo is more fun; Starling is more bank. Starling is a UK-authorised bank founded by Anne Boden. It stayed narrower than Revolut: current accounts, business accounts, and a marketplace of savings and loans. That discipline is the product. FSCS applies to eligible deposits. ### Monzo - URL: https://neobankdb.com/app/monzo - Score: 8.1/10 · last verified 2026-08-01 - UK current account that made banking feel like a group chat. - Licence: UK bank / PRA / FCA - Protection: FSCS up to £85,000 The UK salary account to beat. Pair it with Wise or Revolut if you invoice in euros or dollars. Do not open Monzo expecting a travel-card replacement on the free plan. Monzo is a PRA-authorised UK bank. It grew from a prepaid alpha card (Mondo) into a full current account with overdrafts, loans, and a US subsidiary. The hot-coral debit card is the most recognised fintech object in Britain. FSCS applies to eligible deposits at Monzo Bank Ltd. ### N26 - URL: https://neobankdb.com/app/n26 - Score: 7.8/10 · last verified 2026-08-01 - German bank account with a Mastercard, built as a phone. - Licence: Credit institution (CRR bank) / BaFin / ECB - Protection: German statutory scheme up to €100,000 If you need a German/SEPA current account, N26 is still the reference neobank. Score it as a bank, not as a travel card. Revolut and Wise beat it the moment you leave the euro. N26 (once Number26) is a Berlin-headquartered credit institution. It is the product most European directories mean by “neobank”: a Mastercard debit, a German IBAN, and no branches. BaFin’s AML interventions in the early 2020s are part of the public record and still show up in Trustpilot threads. The bank is narrower than Revolut and more of a bank than Wise. ### Revolut - URL: https://neobankdb.com/app/revolut - Score: 8.6/10 · last verified 2026-08-01 - Global money app that finally became a UK bank. - Licence: UK bank (eligible customers) / PRA / FCA - Protection: FSCS up to £85,000 on UK bank balances; EMI safeguarding on e-money wallets The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel — that is still Starling or Monzo in the UK. Revolut started as a prepaid FX card in 2015 and spent a decade becoming a specialised bank in the EEA and, later, a UK bank for eligible customers. The consumer app still sells the original promise: hold many currencies, spend on Visa, move money cheaper than a high-street bank. Around that sit brokerage, crypto, credit, and business accounts — each with its own entity. This register scores the consumer money app, not every sleeve. ### 11Onze - URL: https://neobankdb.com/app/11onze - Score: 6.2/10 · last verified 2026-08-28 - Catalan community fintech. El Canut is the app, not a Banco de España bank. - Licence: Fintech community / wallet — not a Spanish credit institution / EU PSD2 / payment rails (confirm live entity) - Protection: Not Spanish FGD unless a named bank holds the balance. Treat El Canut as a wallet + aggregator until the statement names a credit institution. 11Onze is a Catalan fintech community. El Canut can show an IBAN and a card. That is not Abanca. Keep a Spanish credit-institution account for salary if you want FGD. Score the app as a wallet and a gathering place, not as a bank. 11Onze launched out of Barcelona as a Catalan community fintech. The consumer product is El Canut. Early coverage called it a digital community bank; the live object is a PSD2-era money app with community layers. This desk does not upgrade a wallet to a bank because the homepage says ‘bank’. ### Abanca - URL: https://neobankdb.com/app/abanca - Score: 6.9/10 · last verified 2026-08-28 - Galician bank with a digital skin. Banco de España, not a startup. - Licence: Credit institution / Banco de España / ECB - Protection: Spanish FGD up to €100,000 per depositor per bank — B100 is the same bank, so do not double-count the cap Abanca is a bank. Put it next to N26 only to show the difference: Spanish FGD versus a German IBAN. Do not list it as a challenger. If you need salary in Spain, this is the object. If you need weekend FX, it is not. Abanca is the Galician successor bank built from NCG / Novacaixagalicia after the crisis. HQ A Coruña. Banco de España / ECB. It sits on this desk because people searching ‘digital bank Spain’ land on bank-owned apps and need the licence named. Branches still exist. That is a feature for FGD, not a failure of ‘neobank-ness’. ### ActivoBank - URL: https://neobankdb.com/app/activobank - Score: 7.0/10 · last verified 2026-08-28 - Millennium BCP’s digital brand. Portuguese bank, shared deposit cap. - Licence: Credit institution (Banco ActivoBank S.A., reg. 23) / Banco de Portugal - Protection: Portuguese FGD up to €100,000 — same banking group as Millennium BCP, so do not double-count the cap ActivoBank is a Portuguese credit institution in the Millennium BCP group. Useful if you live there. Useless as a second FGD pot next to a BCP salary account. Revolut and Wise still win the moment you leave the euro. Banco ActivoBank S.A. is registered with the Bank of Portugal (no. 23). It is the digital brand of Millennium BCP. Cash deposits often go through Millennium machines. That sentence is the product: a bank account with an app, not a separate insurance tower. ### Adro - URL: https://neobankdb.com/app/adro - Score: 6.7/10 · last verified 2026-08-28 - US checking for international students. Not a bank — Stearns Bank is. - Licence: Fintech. Banking services via Stearns Bank, N.A., Member FDIC / OCC / FDIC (partner) - Protection: FDIC pass-through on eligible deposits at Stearns Bank, N.A. — confirm live. Adro is not FDIC-insured. Adro is a fintech. Stearns Bank, N.A. holds the deposit. That is the only sentence that matters after Synapse. Useful for a student landing file. Not a salary home if you can open Ally or SoFi Bank. Adro is a New York fintech built for international students and workers who hit the SSN wall. Banking services are provided by Stearns Bank, N.A., Member FDIC. The app is the onboarding. The bank is Stearns. ### AEON Bank - URL: https://neobankdb.com/app/aeon-bank - Score: 6.6/10 · last verified 2026-08-28 - Malaysia’s Islamic digital bank. BNM licence. Not the Japanese AEON Bank Ltd. - Licence: Islamic digital bank / Bank Negara Malaysia - Protection: PIDM on eligible deposits at the licensed bank — confirm PIDM membership on the live legal page Score AEON Bank Malaysia as a BNM Islamic digital bank. Do not mix it with AEON Bank Ltd in Japan (FSA), which is a different company. PIDM follows the Malaysian licence. This is not a travel IBAN. AEON Bank (M) launched in 2024 as Malaysia’s first Islamic digital bank under BNM. It sits in the AEON retail group. Japan also has AEON Bank, Ltd., an FSA bank with a 2025 AML improvement order — that is a separate file. This desk scores the Malaysian digital bank. ### Affinity - URL: https://neobankdb.com/app/affinity - Score: 6.2/10 · last verified 2026-08-28 - Ghana digital Savings-and-Loans. BoG class, not a universal bank. - Licence: Savings and Loans / Bank of Ghana - Protection: Not a universal-bank GDPC story by default — Savings-and-Loans is a different BoG class. Confirm deposit protection on the live licence page. Affinity is a Bank of Ghana Savings-and-Loans franchise with an app. That is better than an unlicensed wallet and worse than a universal bank if you wanted GDPC-at-bank. Do not export it as a pan-African neobank. Affinity Africa received a BoG Savings and Loans licence (upgraded 2022) and launched the consumer app in October 2024. Accra. Deposits and small loans, not a Mastercard travel story. ### Agibank - URL: https://neobankdb.com/app/agibank - Score: 6.8/10 · last verified 2026-08-28 - Brazilian bank for people the branches ignored. FGC, not a wallet. - Licence: Bank (Banco Agibank) / Banco Central do Brasil - Protection: FGC up to R$250,000 per CPF per member institution on eligible deposits Agibank is a Banco Central bank with FGC. Put it next to Nubank as a different object: hubs and payroll credit versus a purple card. Do not list it as a fintech wallet. Banco Agibank grew out of payroll-linked credit for underserved Brazilians and now runs a licensed bank with a large Smart Hub network. Porto Alegre. 6M+ customers. The 2026 listing path is a capital-markets story, not a licence change. ### Aion Bank - URL: https://neobankdb.com/app/aion - Score: 6.9/10 · last verified 2026-08-28 - Belgian digital bank. UniCredit bought it in March 2025. Still a bank. - Licence: Belgian credit institution (now UniCredit group) / NBB / ECB - Protection: Belgian deposit guarantee up to €100,000 on eligible deposits at the credit institution Aion was a Belgian bank. UniCredit closed the purchase of Aion Bank and Vodeno on 7 March 2025. That is an acquisition, not a graveyard tomb. Confirm the name on the IBAN. Do not open it from India. Aion Bank SA/NV grew out of Banca Monte Paschi Belgio, rebranded 2019, sold a subscription digital bank plus BaaS via Vodeno. UniCredit paid €376m for both. The live consumer site now sits with UniCredit Belgium. This desk keeps the Aion name because that is what people search. ### Air Bank - URL: https://neobankdb.com/app/airbank - Score: 7.3/10 · last verified 2026-08-28 - Czech CNB bank with a green slash. Koruna current account, real insurance. - Licence: Credit institution (Air Bank a.s.) / Czech National Bank - Protection: Czech Financial Market Guarantee System up to €100,000-equivalent per depositor Air Bank is the Czech answer to ‘neobank’ that is actually a bank. Score it for a Prague salary. Do not score it as a travel wallet. N26 and Revolut are different legal objects. Air Bank a.s. launched in 2011 inside PPF. CNB-licensed. Green slash, koruna current account, deposit insurance. It is what Czech directories mean by digital bank. ### Airstar Bank - URL: https://neobankdb.com/app/airstar-bank - Score: 7.3/10 · last verified 2026-08-28 - HKMA virtual bank. Xiaomi in the cap table. DPS up to HK$800k. - Licence: Virtual / digital bank / HKMA - Protection: Hong Kong DPS up to HK$800,000 per depositor per bank Airstar is one of eight HKMA virtual banks. DPS is the safety line. Xiaomi is the shareholder, not the deposit. Ant Bank is the Alipay-shaped sibling, not a substitute licence. Airstar Bank Limited got an HKMA virtual-bank licence in 2019 (Xiaomi majority, AMTD). Live 2020. HKD deposits, FPS, a 24-hour FX desk. Member of the Deposit Protection Scheme. ### Aktia - URL: https://neobankdb.com/app/aktia - Score: 6.8/10 · last verified 2026-08-28 - Finnish listed bank. Digital current account on a FIN-FSA charter. - Licence: Credit institution (Aktia Bank Plc) / FIN-FSA - Protection: Finnish deposit guarantee up to €100,000 per depositor per bank Aktia is a bank from 1825 with a digital front. List it when someone searches ‘neobank Finland’ so they do not open an EMI by mistake. N26 is the German alternative, not the Finnish one. Aktia Bank Plc is a Helsinki-listed credit institution. FIN-FSA. Euro IBAN. It appears on digital-bank lists because the current account is app-led, not because the charter is new. ### ALAT - URL: https://neobankdb.com/app/alat - Score: 6.8/10 · last verified 2026-08-28 - Nigeria’s first fully digital bank. Powered by Wema Bank. NDIC follows Wema. - Licence: Digital bank product of Wema Bank Plc / Central Bank of Nigeria - Protection: NDIC on eligible deposits at Wema Bank Plc — ALAT is the app, Wema is the bank ALAT is Wema Bank’s digital brand, not a mysterious EMI. NDIC follows Wema. Score it as a naira current account. Kuda is the other Nigerian digital-bank search; the licence lines differ — read both. ALAT by Wema launched in 2017 as ‘Africa’s first fully digital bank’. The deposit sits at Wema Bank Plc, a CBN-licensed commercial bank. That is the file. The app is the skin. ### Albert - URL: https://neobankdb.com/app/albert - Score: 5.9/10 · last verified 2026-08-28 - US money app with a subscription. Not a bank. Stride / Sutton / Wells hold cash. - Licence: Not a bank. Cash via Sutton Bank / Stride Bank, N.A.; savings at Wells Fargo, N.A. / FDIC (partners) - Protection: FDIC pass-through on eligible Cash/Savings at named partners, up to $250,000, subject to record-keeping. Investments are not FDIC. Albert is a subscription money app. Cash sits at Stride or Sutton; savings at Wells Fargo. FDIC is pass-through. The $20–40 plan is the catch. Ally Bank is the salary object on this list. Albert Corporation is a Los Angeles fintech. The homepage says ‘Albert is not a bank.’ Believe it. Mastercard debit is issued by Stride Bank, N.A. Savings are at Wells Fargo, N.A. Plans auto-renew until you cancel in the app. ### albo - URL: https://neobankdb.com/app/albo - Score: 6.5/10 · last verified 2026-08-28 - Mexican IFPE. CNBV payments licence. Not IPAB. Not a bank. - Licence: IFPE (institución de fondos de pago electrónico) / CNBV - Protection: Not IPAB. IFPE balances are a payments product, not a bank deposit. Nu México’s bank conversion is a different file. albo is an IFPE. Write that on the card. IPAB does not follow the brand. If you need a Mexican bank deposit, wait for a banco licence or use a bank. The Mastercard is a spend rail. albo is a Mexico City fintech authorised by CNBV as an IFPE. It is not a SOFIPO and not a bank. That three-letter class is the review. ### Algbra - URL: https://neobankdb.com/app/algbra - Score: 6.5/10 · last verified 2026-08-28 - UK ethical / Sharia-screened EMI. FCA FRN 952360. Not FSCS. - Licence: Authorised EMI — Algbra FS UK Limited, FRN 952360 / FCA - Protection: Safeguarded e-money, not FSCS. Algbra’s own copy says the scheme covers banks, not EMIs. Algbra is an EMI. FSCS stays with Starling and Monzo. Use this for screened spend, not rent. The 2025 Mastercard principal-issuer step is a card fact, not a bank licence. Algbra FS UK Limited, 22 Upper Brook Street, London. FCA FRN 952360 under the Electronic Money Regulations 2011. UK residents. Ethical / Sharia-screened positioning. They say they are not a bank. This desk agrees. ### Ally Bank - URL: https://neobankdb.com/app/ally - Score: 7.7/10 · last verified 2026-08-28 - US online bank. OCC. FDIC. No branches on purpose. - Licence: Ally Bank, Member FDIC, national bank / OCC / FDIC / Federal Reserve (holding company) - Protection: FDIC up to $250,000 per depositor, per insured bank, per ownership category — at Ally Bank, not a fintech partner Ally Bank is the US salary object on this alphabetical list. OCC, FDIC, Detroit. Chime and Albert are fintechs. SoFi Bank and Varo Bank are the other charters. Use Ally when you want the deposit at the name on the app. Ally Bank is the direct bank of Ally Financial Inc. (NYSE: ALLY), formerly GMAC. Rebranded 2009. Member FDIC. No retail branches. Auto finance is the parent’s other life. This desk scores the bank, not the car loan. ### Alpian - URL: https://neobankdb.com/app/alpian - Score: 7.2/10 · last verified 2026-08-28 - Swiss FINMA digital private bank. esisuisse CHF 100k. Residents. - Licence: Bank (Alpian SA) / FINMA - Protection: esisuisse up to CHF 100,000 per client per bank Alpian is the Swiss digital bank that still has a FINMA banking licence after 2025. radicant’s clients were pointed here. It is a private bank in an app, not Revolut. Do not open it from India. Alpian SA received a FINMA banking licence in 2022 and launched as Switzerland’s first digital private bank. Geneva. The website is for persons domiciled in Switzerland. That geofence is the product. ### alt.bank - URL: https://neobankdb.com/app/altbank - Score: 5.7/10 · last verified 2026-08-28 - Brazilian credit infrastructure. The consumer neobank is no longer the job. - Licence: Credit + card infrastructure for other brands — not a retail current account / BCB / partner stack - Protection: Not a retail FGC current account. This is credit/card rails for companies that want a white-label programme. alt.bank raised as a neobank for the unbanked in 2021. The live company sells credit infrastructure. Do not open a salary account here. Compare Nubank or Agibank for that. alt.bank (altbank.ai) is a São Paulo credit-infrastructure shop. Series A from Union Square Ventures in 2021. The consumer unbanked app is not the 2026 product. This desk keeps the name so stale roundups cannot pretend it is still a current account. ### AMP Bank - URL: https://neobankdb.com/app/amp-bank - Score: 6.6/10 · last verified 2026-08-28 - Australian ADI. APRA. FCS $250k. Wealth parent, digital skin. - Licence: Authorised deposit-taking institution (AMP Bank Limited) / APRA - Protection: Financial Claims Scheme up to $250,000 per account holder per ADI AMP Bank is an ADI. FCS applies. Put it next to Up as a different object: wealth-bank deposits versus a Bendigo-issued consumer app. Neither is Revolut. AMP Bank Limited is the authorised deposit-taking institution in the AMP Limited group. Sydney. APRA. It shows up on digital-bank lists because the everyday account is app-led. The charter is old-school ADI. ### Ant Bank - URL: https://neobankdb.com/app/ant-bank - Score: 7.3/10 · last verified 2026-08-28 - HKMA virtual bank. Ant International. AlipayHK is distribution, DPS is the bank. - Licence: Virtual / digital bank — Ant Bank (Hong Kong) Limited / HKMA - Protection: Hong Kong DPS up to HK$800,000 per depositor per bank Ant Bank (Hong Kong) is an HKMA virtual bank. AlipayHK is how people find it. DPS is how deposits come back. Airstar is the Xiaomi-shaped peer. Neither is a stored-value facility. Ant Bank (Hong Kong) Limited launched in 2020, wholly owned by Ant International. Official partner of AlipayHK. Member of the Deposit Protection Scheme. The bank and the wallet are different legal objects — this desk will keep saying that. ### Arival - URL: https://neobankdb.com/app/arival - Score: 6.4/10 · last verified 2026-08-28 - Puerto Rico IFE for global SMEs. Not FDIC. Cannot serve Puerto Rico residents. - Licence: International Financial Entity — Arival Bank International Corp., licence #IFE-065 / Puerto Rico OCIF - Protection: Not FDIC, FSCS or DGS. Arival Bank International Corp. is not directly insured. Settlement-partner FDIC is a pitch — read the live pricing FAQ, not the homepage. Arival is a Puerto Rico International Financial Entity. OCIF licence IFE-065. That is not a national bank and it is not FDIC. The pricing FAQ says so. The licence also bars Puerto Rico residents and PR-incorporated firms. Use it as a foreign-SME rail if the file fits. Keep salary and treasury at a chartered bank. Arival Bank International Corp. sits at 1250 Ponce de León, San Juan. OCIF IFE, not OCC. Directories dump it next to SoFi because the word ‘Bank’ is on the tin. This desk does not. Settlement-partner FDIC language is a pitch, not a scheme. If the homepage says ‘US-licensed bank’, read the IFE number. ### Atmos - URL: https://neobankdb.com/app/atmos - Score: 5.3/10 · last verified 2026-08-28 - US climate lender. Checking is gone. JoinAtmos is solar and electrification, not a salary account. - Licence: Fintech. Not a bank. Not a lender — marketplace for bank and credit-union loans / US state / partner lenders - Protection: Not a current account in 2026. Historic checking sat at Evolve / Five Star. Live product is solar and electrification loans originated by partner institutions. Atmos was a climate checking app on Evolve. That product is gone. JoinAtmos in 2026 is a solar-and-electrification loan marketplace. Atmos Financial is a fintech, not a bank, and it says it is not the lender. Do not score it as a current account. Clean Energy Credit Union is where leftover depositors were pointed. Atmos Financial, PBC launched climate-positive checking in 2021. Partner banks held the cash. The live homepage is infrastructure lending: homeowners, installers, banks and credit unions. This desk keeps the name so a 2021 roundup cannot pretend it is still a salary home. ### Atom bank - URL: https://neobankdb.com/app/atom-bank - Score: 7.1/10 · last verified 2026-08-28 - PRA/FCA UK bank. Savings and mortgages. FSCS. Not a Starling-class current account. - Licence: UK bank — Atom bank plc / PRA / FCA - Protection: FSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025) Atom bank plc is a UK bank. FSCS applies. The live product is savings, mortgages and some SME lending — not a Monzo current account. Put salary at Starling or Monzo. Put a savings pot here if the rate wins. The purple app is not a licence upgrade for an EMI. Founded 2014, banking licence 2015, public launch 2016. Durham then Newcastle. Anthony Thomson and Mark Mullen’s challenger. BBVA sat in the cap table. In 2026 the homepage still sells savings and mortgages, not weekend FX. FSCS lifted to £120,000 on 1 December 2025 for the whole scheme — this desk writes the live cap on Atom and on the UK country page. ### AVO bank - URL: https://neobankdb.com/app/avo - Score: 6.3/10 · last verified 2026-08-28 - Tashkent bank. CBU licence no. 83 (28 Feb 2025). Real bank, young charter. - Licence: Bank — JSC AVO BANK, licence no. 83 dated 2025-02-28 / Central Bank of Uzbekistan - Protection: Uzbekistan Deposit Guarantee Agency — 2025 law, compensation up to 200 million som on eligible deposits. Confirm live cap and membership. JSC AVO BANK is on the CBU head-office list: licence 83, 28 February 2025, Nukus Street, Mirabad, Tashkent. Score it as a bank. The 2025 deposit-guarantee law is the safety line, not the app icon. Do not flatten it into a CIS super-app. AVO is a 2025 Tashkent charter, not a rebrand of a Soviet savings bank. Directories will file it next to Revolut because it has an app. This desk files it next to the CBU PDF. Young banks fail more often than old ones. Keep that in the score. ### B100 - URL: https://neobankdb.com/app/b100 - Score: 7.1/10 · last verified 2026-08-28 - Abanca’s digital brand. Same Spanish FGD. Same IBAN. Do not double-count the cap. - Licence: Commercial brand of Abanca Corporación Bancaria, S.A. / Banco de España / ECB - Protection: Spanish FGD up to €100,000 — same bank as Abanca, so do not double-count the cap B100 is a commercial brand of Abanca. Abanca’s own FAQ says the IBAN is Abanca’s and FGD follows Abanca. Same pattern as ActivoBank and Millennium BCP: one cap, two skins. If you already have Abanca, this is not a second €100k pot. Abanca launched B100 as ‘healthy banking’ — personal, planetary, financial. THE HEALTHY PROJECT, S.A. runs the app; the deposit sits at Abanca Corporación Bancaria. Directories list B100 as a neobank. This desk lists it as Abanca in gym kit. ### B89 - URL: https://neobankdb.com/app/b89 - Score: 6.3/10 · last verified 2026-08-28 - Peruvian Visa principal. Not an SBS bank. Prepaid and cross-border, not FSD. - Licence: Fintech. Not an SBS bank / Visa principal member / SBS payments perimeter (confirm live) - Protection: Not Peruvian FSD. FSD covers SBS banks, financieras and cajas — not a Visa principal prepaid. Treat B89 as payments. B89 is a Lima fintech. Visa principal member. Not an SBS bank. Peruvian FSD does not follow a prepaid brand. The live site sells borderless payments, not a salary current account. Keep sol deposits at a member bank of the Fondo de Seguro de Depósitos. Amparo Nalvarte’s firm started as a consumer card and moved toward B2B cross-border. That pivot is the 2026 file. A Visa BIN is not a banking licence. This desk will not upgrade it because an older directory used the word neobank. ### Banca Widiba - URL: https://neobankdb.com/app/banca-widiba - Score: 7.0/10 · last verified 2026-08-28 - Montepaschi’s digital and advice bank. Banca d’Italia / ECB. FITD. Italian IBAN. - Licence: Credit institution — Banca Widiba S.p.A. (Wise Dialog Bank) / Banca d’Italia / ECB - Protection: Italian FITD up to €100,000 per depositor per bank — MPS group, so do not assume a second cap next to a Montepaschi salary account Banca Widiba S.p.A. is the digital and financial-advisory bank of the Montepaschi group. Banca d’Italia / ECB. FITD consortium member. An Italian IBAN at a bank. N26 is a German IBAN. Different objects. If you already hold Montepaschi, treat the FITD cap as a group question. Wise Dialog Bank launched in 2014 as MPS’s answer to Fineco: app plus a human. Over 570 advisors. Directories file it as a neobank because the name is made-up. This desk files it as a bank in a 550-year-old group. ### Bankiom - URL: https://neobankdb.com/app/bankiom - Score: 5.0/10 · last verified 2026-08-28 - Dubai AI-wealth pitch. Not a CBUAE bank. Keep the name so stale roundups cannot pretend it is a current account. - Licence: Fintech. Not a CBUAE bank / UAE / DIFC perimeter — confirm live entity - Protection: Not a CBUAE bank deposit. Live site is an AI wealth agent. Historic cards sat at an unnamed partner. Treat as a software pitch, not an account. Bankiom is not a bank. The 2021 pitch was a millennial digital bank with a partner-issued card. The 2026 homepage is an autonomous AI wealth agent. Liberty House, DIFC, is an office, not a licence. Do not open a salary file here. Same pattern as alt.bank: keep the slug so scraped roundups cannot outrank a desk file that says the quiet part. If a card still issues, the partner is the object. If it does not, this is a landing page. ### Bankly - URL: https://neobankdb.com/app/bankly - Score: 6.2/10 · last verified 2026-08-28 - Nigerian CBN microfinance bank. NDIC. Not on the July 2026 46-MFB revocation list. - Licence: Microfinance Bank — Bankly Microfinance Bank Limited / Central Bank of Nigeria - Protection: NDIC on eligible deposits at the licensed MFB — microfinance cover, not a commercial-bank story. Confirm live membership. Bankly is a CBN microfinance bank. NDIC follows the MFB, with MFB limits. C-One Ventures bought it in April 2025. CBN revoked 46 other MFB licences on 1 July 2026 — Bankly was not on that NDIC list. Still treat it as a smaller object than Kuda or Wema/ALAT. Lagos, 2018. Tomilola Majekodunmi’s firm. The 2025 sale put the licence inside a roll-up. That is not a revocation. It is also not a promotion to commercial-bank class. Score the CBN class, not the acquisition press release. ### BankMobile / Vibe - URL: https://neobankdb.com/app/bankmobile-vibe - Score: 6.1/10 · last verified 2026-08-28 - US student checking. Deposits at First Carolina Bank, Member FDIC. Not a bank. - Licence: Fintech. Banking services via First Carolina Bank, Member FDIC. BM Technologies, Inc. / FDIC (partner) - Protection: FDIC pass-through on eligible deposits at First Carolina Bank, Member FDIC — confirm live. BankMobile / Vibe is not itself FDIC-insured. Customers Bank is no longer the partner. BankMobile is a student-checking programme. BM Technologies sits under First Carolina Bank. Eligible deposits are FDIC-insured at First Carolina, not at the Vibe icon. The $3.99 fee does not waive on financial-aid refunds. After Synapse, the partner name is the review. Born as a Customers Bank spin, listed as BMTX, then folded into First Carolina. vibeaccount.com still logs students in. Directories say ‘BankMobile neobank’. This desk says: campus disbursement fintech, First Carolina holds the cash. ### BankPozitif - URL: https://neobankdb.com/app/bankpozitif - Score: 5.3/10 · last verified 2026-08-28 - Istanbul development/investment bank. BDDK. TMSF-administered after the 2025 PayFix mess. Not a travel neobank. - Licence: Development and investment bank — BankPozitif Kredi ve Kalkınma Bankası A.Ş. / BDDK - Protection: TMSF on eligible deposits at the licensed bank — coverage restated in 2026; confirm live cap. TMSF is also the administrator of the 2025 share file. BankPozitif is a BDDK development and investment bank, not a travel neobank. PayFix bought it in 2023. BDDK handed management rights to TMSF in March 2025 after the betting and AML allegations. An auction was run later in 2025. Score the licence, then score the mess. Do not open this as a weekend-FX account. Founded 1999 on Toprakbank wreckage, later C Bank, later an Israeli JV, later ‘100% Turkish digital bank’ under PayFix. TMSF has been in this story more than once. Directories still scrape ‘online bank Turkey’. This desk writes the BDDK class and the 2025 intervention. ### Bank Zero - URL: https://neobankdb.com/app/bank-zero - Score: 6.9/10 · last verified 2026-08-28 - Sandton mutual bank. SARB. CODI R100,000. App-only South African bank. - Licence: Mutual bank — Bank Zero Mutual Bank / SARB - Protection: CODI (Corporation for Deposit Insurance) up to R100,000 per qualifying depositor — mutual banks are in by law Bank Zero Mutual Bank is a SARB mutual bank. CODI covers qualifying deposits up to R100,000. Michael Jordaan and Yatin Narsai built an app-only clearing bank in Sandton. That is a bank. It is not Capitec-scale and it is not a multi-currency EMI. Salary in rand can live here; FX still belongs on Wise. Mutual-bank class is the file: members, not listed-bank shareholders. CODI launched in April 2024 and mutual banks are in automatically. Directories call it a neobank. This desk calls it a mutual bank with an app. ### Banx - URL: https://neobankdb.com/app/banx - Score: 6.2/10 · last verified 2026-08-28 - Proximus + Belfius Belgian app. Discontinued December 2024. Graveyard. - Licence: Discontinued app. Deposits sat at Belfius, a Belgian bank / NBB / FSMA (via Belfius) - Protection: Was Belgian deposit guarantee via Belfius, not a separate Banx scheme. Belfius is not on this desk as its own file. Graveyard. Banx was a Proximus idea on Belfius rails, launched October 2021, killed December 2024. Clients were pointed at Belfius. The Belgian deposit scheme followed Belfius, not the Banx icon. Do not list it as live. Three years, not enough customers, a saturated Belgian app market. The 30 September 2024 Proximus/Belfius note is the obituary. This desk will not invent a successorSlug for a Belfius product we do not file. ### Banxy - URL: https://neobankdb.com/app/banxy - Score: 6.4/10 · last verified 2026-08-28 - Natixis Algérie / BPCE mobile bank. Algiers. First smartphone bank in Algeria, 2018. - Licence: Bank brand of Natixis Algérie (BPCE group) — not a separate EMI / Bank of Algeria - Protection: Algerian Bank Deposit Guarantee Fund (FGDB) on eligible deposits at Natixis Algérie — confirm live cap. Banxy is the app, Natixis Algérie is the bank. Banxy is Natixis Algérie’s mobile brand, launched 2018. Natixis has been in Algeria since 1999; BPCE is the French parent. This is a bank account with an app, not a separate EMI. FGDB follows the bank. Do not file it next to Barq. Sopra’s case study still calls it Algeria’s first smartphone bank. The Play listing is dz.natixis.prod. That package name is the review: Natixis is the legal object, Banxy is the skin. ### Barq - URL: https://neobankdb.com/app/barq - Score: 6.7/10 · last verified 2026-08-28 - Riyadh SAMA e-wallet. Barraq Finance Company. Explicitly not a bank account. - Licence: E-wallet — Barraq Finance Company (Decision 26/M SM/1445). Not a bank / SAMA - Protection: Not a SAMA bank deposit. SAMA e-wallet rules apply. Barq’s own copy says this is not a bank account. Barq is Barraq Finance Company, a SAMA e-wallet. Decision 26/M SM/1445. The privacy policy names a closed joint-stock company in Riyadh, not a bank. One million users in 21 days is a launch stat, not a balance-sheet. Keep salary at a SAMA bank. Use Barq as a wallet. Ahmed Alenazi, ex-stc Pay, launched Barraq then rebranded to Barq in 2024. Unified number 7029786717. Directories file it as a Saudi neobank. This desk files it as an e-wallet. stc Pay is the comparable object, not Al Rajhi. ### Be-bunk - URL: https://neobankdb.com/app/be-bunk - Score: 6.2/10 · last verified 2026-08-28 - Franco-Pacific payment account. Xpollens (BPCE EMI). Not a bank. Not FGDR. - Licence: Payment account via Xpollens (BPCE EMI, CIB 51680). BEBUNK SAS, Paris RCS 892 121 559 / Banque de France / ACPR (via Xpollens) - Protection: Not FGDR. Xpollens is an EMI; client funds are safeguarded, not deposit-insured. Be-bunk is the brand, Xpollens is the account-holding entity. Be-bunk is BEBUNK SAS. The account sits at Xpollens, a BPCE EMI on Banque de France CIB 51680. That is a payment account, not a French retail bank. FGDR does not follow. Useful in Nouméa. Useless as a second FGDR pot next to a Crédit Agricole salary account. Leïla Boufeneche, 2022. 39 Rue de Verdun, Nouméa, plus a Paris RCS. Xpollens white-labels the ledger. Metropolitan France is accepted as an address; the product is Pacific. This desk will not upgrade an EMI because the homepage says néobanque. ### Beacon - URL: https://neobankdb.com/app/beacon - Score: 6.0/10 · last verified 2026-08-28 - Cheshire credit union, ex Halton CU. Common bond. Not Beacon Bank US and not a BaaS. - Licence: Beacon Credit Union Ltd, trading as Beacon Savings & Loans. Ex Halton Credit Union / FCA / PRA (credit union) - Protection: FSCS on eligible credit-union deposits if the CU is authorised — confirm live. Cap follows the scheme (£120,000 from 1 Dec 2025). Beacon Savings & Loans is Halton Credit Union under a 2024 trading name. Common bond: Cheshire and WA. £2 to join. This is not Beacon Bank (US, NYSE regional) and not a BaaS middleware. If you do not live or work in the bond, you cannot join. Starling remains the salary object. Runcorn Shopping City. Play package uk.co.haltoncu.app. Directories scrape ‘Beacon neobank UK’ and collide with a US bank ticker. This desk writes the credit-union file and leaves the US regional alone. ### Be U - URL: https://neobankdb.com/app/be-u - Score: 6.7/10 · last verified 2026-08-28 - Bank Islam Malaysia’s digital brand. PIDM follows Bank Islam. Migrating into BIMB Mobile. - Licence: Digital brand of Bank Islam Malaysia Berhad — Islamic bank / Bank Negara Malaysia - Protection: PIDM on eligible deposits at Bank Islam Malaysia Berhad — Be U is the skin, Bank Islam is the member Be U is Bank Islam Malaysia Berhad’s digital brand. PIDM follows Bank Islam. In 2026 the Be U app is being onboarded into BIMB Mobile and progressively phased out. That is a skin change, not a wind-down of the deposit. AEON Bank is the separate BNM Islamic digital bank on this desk. Pink app, Qard Saving-i, Al-Awfar. getbeu.com now sells the BIMB Mobile next chapter. Directories will keep a Be U tile for years. This desk keeps the slug so a store-listing ghost cannot look like a live third bank. ### Beyon Money - URL: https://neobankdb.com/app/beyon-money - Score: 6.5/10 · last verified 2026-08-28 - Bahrain Batelco-group fintech. CBB investment and payment entities. KFH-Bahrain is the 2026 banking partner. Not a CBB retail bank. - Licence: Class 2 investment + payment entities — not a CBB retail bank / Central Bank of Bahrain - Protection: Not a CBB retail-bank deposit scheme on the Beyon Money brand. KFH-Bahrain became the primary banking partner in February 2026 — KFH is the bank, Beyon Money is the app layer. Beyon Money is a Batelco-group fintech, not a CBB retail bank. In February 2026 KFH-Bahrain signed as primary banking partner: BaaS, Fawri+, virtual accounts. Read the footer. Deposit protection, if any, sits at KFH, not at the magenta icon. Beyon is the 2022 rebrand of Batelco’s wider group. Money is one SKU. Directories file Beyon Money next to ila Bank. ila is Bank ABC. This is a payments and investment stack with a 2026 Islamic-bank partner. Different objects. ### BforBank - URL: https://neobankdb.com/app/bforbank - Score: 7.1/10 · last verified 2026-08-28 - Crédit Agricole’s online bank. ACPR credit institution. FGDR. French IBAN, bank code 16218. - Licence: Credit institution / ACPR - Protection: FGDR up to €100,000 per depositor per credit institution — Crédit Agricole group, so do not blindly double-count next to a CA / LCL salary account BforBank is a French credit institution in the Crédit Agricole group. ACPR plus AMF. FGDR. Bank code 16218, BIC BFOBFRP1. Founded 2009, about 500,000 customers. Recapitalised in 2025. This is a bank. Qonto is an EMI-class business account. Different objects. N26 is a German IBAN. CA launched an online bank before ‘neobank’ was a slide. Directories still scrape it as a challenger. This desk files it next to Abanca and Aktia: digital skin, bank charter. If your salary already sits at Crédit Agricole or LCL, the FGDR cap is a group question. ### HUSTL - URL: https://neobankdb.com/app/hustl - Score: 6.5/10 · last verified 2026-08-30 - Vantage West Credit Union skin for US freelancers. NCUA. Not a bank and not a second $250k pot. - Licence: Division of Vantage West Credit Union — federally insured credit union, not a bank / NCUA - Protection: NCUA share insurance up to $250,000 at Vantage West Credit Union. HUSTL and Vantage West balances are combined — do not double-count the cap. HUSTL is a division of Vantage West Credit Union. Tucson. Federally insured by NCUA. Routing 122187746. The live legal copy says HUSTL accounts are not separately insured and share the $250,000 cap with Vantage West. That is a credit union, not a bank and not a fintech with a mystery partner. Score it as a CU skin for freelancers. Keep a real operating account if you are a company. Launched March 2024 as Vantage West’s digital brand for independent workers. Nymbus-era app package. Directories dump it next to Chime because both are apps. Chime is Bancorp and Stride. This is a credit union. Different objects. Membership rules still apply. ### HYPE - URL: https://neobankdb.com/app/hype - Score: 7.1/10 · last verified 2026-08-30 - Banca Sella brand. Italian IBAN. FITD follows Sella. illimity sold its 50% in 2025. - Licence: Commercial brand of Banca Sella — FITD group / Banca d’Italia / ECB (via Banca Sella) - Protection: FITD up to €100,000 — HYPE is a Banca Sella brand, so do not double-count the cap with other Sella deposits HYPE is a Banca Sella brand. Banca Sella bought illimity’s 50% in November 2025 and set a merger-by-incorporation for March 2026. The IBAN and FITD follow Sella, not a startup charter. If you already hold Sella, this is not a second €100k pot. isybank is Intesa. Different groups. Different caps. Launched 2015 as a prepaid-to-account story, later a 50/50 Sella–illimity JV. 2025 ended the JV. Directories still sell ‘Italian neobank’. This desk sells Banca Sella in a blue coat. The Play package for business is it.hype.business — same group. ### HyperJar - URL: https://neobankdb.com/app/hyperjar - Score: 6.7/10 · last verified 2026-08-30 - UK family prepaid. FCA EMI via Modulr. Card via Monavate. Not FSCS. - Licence: E-money. Hyperlayer Limited. Card issued by Monavate / FCA (via Modulr EMI) - Protection: Not FSCS. Customer money is safeguarded at Modulr, an FCA EMI. That is e-money safeguarding, not a bank deposit scheme. HyperJar is a UK prepaid. Hyperlayer Limited runs the app. Modulr is the FCA EMI that safeguards the money. Monavate issues the card. That is not FSCS and it is not a current account. The site says you need a UK address and a UK bank to open. Put salary at Starling or Monzo. Put pocket money here if the jars help. London family-fintech, 2017. Directories file it next to Monzo because both have pots. Monzo is a PRA bank. This is jars on an EMI. goHenry is the comparable kids object on this desk, not Atom bank. ### Íkualo - URL: https://neobankdb.com/app/ikualo - Score: 6.2/10 · last verified 2026-08-30 - Belgian BE IBAN for migrants. Paynovate NBB EMI. Safeguarded e-money, not deposit insurance. - Licence: EMI — Paynovate SA, ref. 0506763929. Íkualo is the brand / National Bank of Belgium (via Paynovate) - Protection: Not Belgian DGS / FGDR / FGD. Paynovate safeguards e-money in a segregated account. Insolvency of Paynovate is a safeguarding story, not a deposit-guarantee payout. Íkualo accounts and cards are issued by Paynovate, an NBB EMI (ref. 0506763929), under a Visa licence. LinkCy sits in the stack. The IBAN is Belgian. That is payments, not a bank. Safeguarding is not FGD. Keep a CaixaBank or Abanca salary account if you live in Spain. Use this as a BE rail if the file fits. AFRIDAN TECHNOLOGY SL runs the Spanish app. Directories sell a purple immigrant super-app as a bank. This desk writes the Paynovate number. A BE IBAN that is e-money still looks like a bank IBAN on a payslip. That is the catch. ### ila Bank - URL: https://neobankdb.com/app/ila-bank - Score: 7.0/10 · last verified 2026-08-30 - Bank ABC’s mobile bank in Bahrain (and Jordan). CBB retail bank. Not a telco wallet. - Licence: Digital brand of Bank ABC — conventional retail bank / Central Bank of Bahrain - Protection: CBB retail-bank deposit protection follows Bank ABC, not a separate ila scheme. Confirm live membership and cap. ila is Bank ABC’s mobile-only bank. CBB conventional retail-bank class. Beyon Money is a Batelco fintech with a KFH partner. Those two sentences are the Bahrain digital-bank search. Deposit protection follows Bank ABC. Do not open this as a tourist wallet. Launched 2019 from Bank ABC Tower, Diplomatic Area, Manama. Jordan followed. Directories call it a neobank. This desk calls it Bank ABC without branches. AFS (also ABC-owned) powers cards. alburaq is the Islamic SKU, not a second charter. Beyon Money is the other Bahrain digital file — fintech, not this bank. ### illimity - URL: https://neobankdb.com/app/illimity - Score: 6.5/10 · last verified 2026-08-30 - Italian bank, Banca Ifis group since 2025. FITD. SME credit, not a travel current account. - Licence: Italian bank — illimity Bank S.p.A., Banca Ifis group / Banca d’Italia / ECB - Protection: FITD up to €100,000 — now in the Banca Ifis group, so do not double-count the cap with Ifis illimity Bank S.p.A. is an Italian bank. Banca Ifis completed the public offer in 2025 and sits as sole shareholder. FITD applies. The live homepage is corporate credit, not weekend FX. HYPE was the 50/50 consumer JV — Sella bought that stake. Do not confuse the two files. Corrado Passera’s 2018 specialty bank. Listed, then taken over. Directories keep an ‘Italian neobank’ tile. This desk keeps a Banca d’Italia file inside Ifis. Albo delle Banche n. 5710. ### imagin - URL: https://neobankdb.com/app/imagin - Score: 7.3/10 · last verified 2026-08-30 - CaixaBank’s digital brand. Spanish FGD. Same cap as CaixaBank. Not a startup charter. - Licence: Trade name of CaixaBank, S.A. (bank code 2100). imaginersGen, S.A. is the agent / Banco de España / ECB - Protection: Spanish FGD up to €100,000 — CaixaBank is the member. Do not double-count with a CaixaBank current account. imagin accounts sit at CaixaBank, S.A., Banco de España code 2100. imaginersGen, S.A. is the agent. FGD follows CaixaBank. Same pattern as B100 / Abanca: one cap, two skins. If you already have CaixaBank, this is not a second €100k pot. Openbank is Santander. Different group. imaginBank launched 2016 as Spain’s mobile-only millennial bank, then relaunched as a lifestyle layer. Directories list imagin as a neobank. This desk lists it as CaixaBank in gym kit. Non-financial services are the agent. The deposit is the bank. ### indó - URL: https://neobankdb.com/app/indo - Score: 7.0/10 · last verified 2026-08-30 - Icelandic savings bank. TIF €100k. Not an Indonesian wallet and not an EMI. - Licence: Savings bank — indó sparisjóður hf. / Central Bank of Iceland - Protection: TIF up to €100,000 per depositor per bank indó sparisjóður hf. is an Icelandic savings bank. Central Bank of Iceland. TIF up to €100,000. Nóatún 17, Reykjavík. You need an Icelandic electronic ID, age 18, EEA residency. Directories spell it Indo and file it next to an Indonesian wallet. This desk will not. Founded 2018, launched as a fee-allergic current account in a market of three large banks. Sustainability-index brag is marketing. The sparisjóður word is the review. ### ING Deutschland - URL: https://neobankdb.com/app/ing - Score: 7.3/10 · last verified 2026-08-30 - ING-DiBa AG. BaFin / ECB. German statutory deposit guarantee. Direct bank, not a startup. - Licence: Credit institution — ING-DiBa AG / BaFin / Bundesbank / ECB - Protection: German statutory deposit guarantee (EdB) up to €100,000 per depositor per bank ING-DiBa AG is a German credit institution. BaFin, Bundesbank, ECB. EdB up to €100,000. This is the orange lion Germans mean. French ING retail closed; leftover funds sat at Caisse des Dépôts from February 2024. Do not mix the files. N26 is the other German digital bank on this desk. ING is the older direct bank. DiBa heritage, ING group. Frankfurt. Millions of Girokonten. Directories add ‘Ing’ because a scraper lowercased the lion. This desk writes ING Deutschland and leaves the closed French retail arm in the graveyard of other people’s sites. ### Inter - URL: https://neobankdb.com/app/inter - Score: 7.3/10 · last verified 2026-08-30 - Banco Inter S.A. Brazilian bank. BCB. FGC. Super-app, not a wallet. - Licence: Multiple bank — Banco Inter S.A. / Banco Central do Brasil - Protection: FGC up to R$250,000 per CPF per institution on eligible deposits Banco Inter S.A. is a Brazilian bank. BCB. FGC up to R$250,000 on eligible deposits. Belo Horizonte. The orange app is a bank, a shop and a broker. Score the deposit as FGC. Score the shop as a shop. Nubank is the other giant on this desk. Inter is not a wallet. Intermedium, then Banco Inter, then a listed super-app. Directories still write Intera. The legal name is Banco Inter. PIX is the rail. FGC is the scheme. ### isybank - URL: https://neobankdb.com/app/isybank - Score: 7.0/10 · last verified 2026-08-30 - Intesa Sanpaolo digital bank. FITD. Italian IBAN. Shared-group cap with Intesa. - Licence: Italian bank — isybank S.p.A., Intesa Sanpaolo group (ex Banca 5 / Banca ITB) / Banca d’Italia / ECB - Protection: FITD up to €100,000 — Intesa Sanpaolo group. Do not double-count with an Intesa current account. isybank S.p.A. is Intesa Sanpaolo’s digital bank — the 2023 rebrand of Banca 5, itself ex Banca ITB. FITD. Italian IBAN. Intesa spent hundreds of millions and annoyed branch customers by moving them. HYPE is Sella. Fineco is Fineco. This is Intesa in a light-blue coat. Shared cap. Torre Gioia 22, Milan. Thought Machine stack. Directories list a 2023 challenger. The albo is an Intesa subsidiary that has existed since 2008 under other names. The app is new. The group is not. ### iti - URL: https://neobankdb.com/app/iti - Score: 7.0/10 · last verified 2026-08-30 - Itaú Unibanco digital brand. FGC follows Itaú. App folding into the Itaú super-app. - Licence: Digital brand of Itaú Unibanco S.A. / Banco Central do Brasil - Protection: FGC up to R$250,000 — Itaú Unibanco is the member. Do not double-count with an Itaú current account. iti is Itaú Unibanco’s digital brand. FGC follows Itaú. In 2026 Itaú has been pushing iti clients into the main Itaú app. That is a skin change, not a wind-down of the deposit. Inter and Nubank are separate banks. This is Itaú in orange. Launched as Itaú’s answer to Nubank. The standalone iti iOS listing is gone in 2026 as clients move into the main Itaú app. Directories will keep the orange tile for years. This desk keeps the slug so a store-listing ghost cannot look like a third Brazilian bank. ### Ivella - URL: https://neobankdb.com/app/ivella - Score: 5.2/10 · last verified 2026-08-30 - US couples fintech. Sunset. Team joined EarnIn. Historic partner was Blue Ridge Bank. - Licence: Fintech. Not a bank. Historic BaaS at Blue Ridge Bank, N.A. / US partner bank (historic) - Protection: Was FDIC pass-through at the partner bank if records were in order. Product is gone. EarnIn is not a successor current account. Graveyard. Ivella sunset the couples account and joined EarnIn. The live homepage says so. Historic cash sat at a partner bank, not at the purple icon. EarnIn is not a successorSlug — it is not a checking product on this desk. Santa Monica, YC-adjacent, $3.5m seed in 2022. Split pots for couples. Directories will scrape the App Store ghost. This desk writes the obituary so a 2022 roundup cannot pretend it is live. ### Bank Jago - URL: https://neobankdb.com/app/jago - Score: 7.0/10 · last verified 2026-08-30 - OJK digital bank. LPS. Gojek in the cap table is distribution, not the deposit. - Licence: Bank — PT Bank Jago Tbk. Jago Syariah is the Sharia SKU / OJK / Bank Indonesia - Protection: LPS on eligible deposits at PT Bank Jago Tbk — confirm live cap PT Bank Jago Tbk is an OJK bank, Bank Indonesia-supervised, LPS participant. Jago Syariah is the Islamic SKU, DSN-MUI and a Sharia board. Gojek is a shareholder and a channel. The deposit is Jago. Krom is the other Indonesian digital bank on this desk. Ex Bank Artos, listed ARTO. Directories still say Bank Artos on the App Store seller line. The live name is Bank Jago. Super-apps own Indonesian distribution. The OJK licence owns the money. ### Jenius - URL: https://neobankdb.com/app/jenius - Score: 6.8/10 · last verified 2026-08-30 - SMBC Indonesia (ex BTPN) digital brand. OJK. LPS. Not the US Jenius Bank file. - Licence: Digital brand of PT Bank SMBC Indonesia Tbk (ex BTPN) / OJK / Bank Indonesia - Protection: LPS on eligible deposits at PT Bank SMBC Indonesia Tbk — Jenius is the skin Jenius is PT Bank SMBC Indonesia Tbk’s digital brand (the BTPN name is still on old tiles). OJK, BI, LPS. $Cashtag is a product, not a licence. The US Jenius Bank file is SMBC MANUBANK’s American experiment — wound down, deposits sold to Axos in May 2026. Two countries. Two objects. Launched 2016 as BTPN’s mobile bank. SMBC bought the parent. Menara SMBC, Mega Kuningan. Directories smash the US and Indonesian tiles together because the wordmark matches. This desk will not. ### Jenius Bank - URL: https://neobankdb.com/app/jenius-bank - Score: 5.9/10 · last verified 2026-08-30 - SMBC MANUBANK US digital brand. Wound down. Axos took ~$2.3bn of deposits on 2 May 2026. - Licence: US digital brand of SMBC MANUBANK. Not a standalone national bank / OCC / FDIC (via SMBC MANUBANK, historic) - Protection: Was FDIC at SMBC MANUBANK. From 2 May 2026 the acquired balances sit at Axos Bank, Member FDIC. Confirm the live statement footer. Graveyard as a brand. Jenius Bank was SMBC MANUBANK’s US digital HYSA. Axos Bank completed the deposit acquisition on 2 May 2026 (~$2.3bn). FDIC followed the bank, not the purple wordmark. Indonesian Jenius is a different company. Do not list this as live. SMBC tried a US digital brand. It did not stick. The 12 February 2026 Axos 8-K and the 4 May 2026 completion 8-K are the file. This desk will not invent a successorSlug for Axos. ### Kakadu - URL: https://neobankdb.com/app/kakadu - Score: 3.1/10 · last verified 2026-08-30 - Morocco waitlist. No live Bank Al-Maghrib licence on a public page. Not a salary home. - Licence: Waitlist brand. No named bank or payment-institution number on a live page this desk could read / Bank Al-Maghrib (claimed / not evidenced live) - Protection: None evidenced. Not a Bank Al-Maghrib deposit scheme until a named holder exists. Kakadu pitched a Moroccan digital bank. As of 30 August 2026 the marketing site 404s and no Bank Al-Maghrib licence number is on a live page. This desk files a waitlist, not a Girokonto. Keep dirham at Attijariwafa or Bank of Africa until a holder is named. Founded-on-paper 2025. Directories love a teal bird. A licence is not a logo. When a named bank or payment institution appears, this file gets rewritten. Until then it is a tile. ### KakaoBank - URL: https://neobankdb.com/app/kakaobank - Score: 7.0/10 · last verified 2026-08-30 - Korean internet bank. FSC. KDIC KRW 50m. KakaoTalk is distribution, not the deposit. - Licence: Internet bank — KakaoBank Corp. / FSC / FSS - Protection: KDIC up to KRW 50 million per depositor per bank KakaoBank Corp. is an FSC internet bank. KDIC up to KRW 50 million. Seongnam. KakaoTalk is how you open it. The deposit is KakaoBank, not the yellow chat bubble. Toss Bank and K Bank sit in the same licence class. Directories that file this next to a prepaid card are illiterate. Launched 2017 after the 2016 licence wave. Listed 323410. Directories lowercase it Kakao. This desk writes KakaoBank Corp. and leaves KakaoPay in the payments bucket. ### Kaspar& - URL: https://neobankdb.com/app/kaspar - Score: 5.7/10 · last verified 2026-08-30 - FINMA asset manager, not a bank. Liberty Vorsorge bought it in Feb 2026. esisuisse does not follow the brand. - Licence: Independent asset manager — Kasparund AG. Not a bank / FINMA - Protection: Not esisuisse on the Kaspar& brand. Cash sat at partner banks (acrevis / Hypothekarbank Lenzburg historically). Scheme follows the bank, not the robo. Kasparund AG is a FINMA-licensed independent asset manager. Liberty Vorsorge bought 100% in February 2026. Cash lived at partner banks. esisuisse follows the bank, not the ampersand. Direct-to-consumer banking was never the charter. Alpian is the Swiss digital bank on this desk. This is a robo with a card-shaped reputation. St. Gallen, 2020. Spare-change investing with acrevis. Directories scrape Kasparund as a neobank. FINMA’s asset-manager list is the file. A 3a app is not a Girokonto. ### Keytom - URL: https://neobankdb.com/app/keytom - Score: 6.1/10 · last verified 2026-08-30 - FINTRAC MSB + Czech VASP. Named EUR IBAN. Not a bank. Not CBUAE. Not FSCS. - Licence: MSB — KEYTOM SERVICES LTD, registration M21788474 / FINTRAC - Protection: 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. 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. 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. ### Klar - URL: https://neobankdb.com/app/klar - Score: 6.4/10 · last verified 2026-08-30 - Mexican SOFIPO. CNBV. Fondo de Protección up to 25,000 UDIS. Not IPAB. Not a banco. - Licence: SOFIPO — Servicios Financieros Alternativos, S.A., S.F.P. (Klar). Not a banco múltiple / CNBV - Protection: SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. IPAB is for banks. Klar is not a bank. Klar is a CNBV SOFIPO (Servicios Financieros Alternativos / Turbofin stack). Eligible view and savings balances sit under the SOFIPO Fondo de Protección up to 25,000 UDIS per person. That is not IPAB. albo is an IFPE. Nu México is a bank conversion. Three different Mexican objects. Keep a banco salary pot. Use Klar if the credit-and-app loop wins. Mexico City, 2019. Directories say neobank. The Ley de Ahorro y Crédito Popular is the file. Auxi-class SOFIPO failures are why this desk writes the UDIS number in full. ### Knab - URL: https://neobankdb.com/app/knab - Score: 7.0/10 · last verified 2026-08-30 - BAWAG AG Dutch branch since 29 Nov 2025. Austrian ESA €100k. Not Dutch DGS. Not an EMI. - Licence: Passported Dutch branch of BAWAG AG (Austria). Knab N.V. merged in on 29 Nov 2025 / ECB / FMA / DNB (host) - Protection: Austrian ESA (Einlagensicherung Austria) up to €100,000 per depositor per credit institution. Knab is BAWAG AG’s Dutch branch — not a Dutch DGS bank. Shared cap with other BAWAG AG deposits. Knab is no longer Knab N.V. S&P: on 29 November 2025 the merger completed and Knab became BAWAG AG’s passported branch in the Netherlands. Eligible deposits sit under Austrian ESA up to €100,000, not the Dutch DGS. bunq is still a Dutch bank with Dutch DGS. This is an Austrian bank in Dutch kit. A Dutch IBAN here is a BAWAG IBAN. Do not double-count the cap with other BAWAG pots. Launched 2012 as Aegon’s answer to the crisis. ASR inherited it. BAWAG bought the shares in November 2024 and folded the licence in 2025. Amsterdam shop-front, Vienna scheme. Directories still say Aegon Bank and Dutch DGS. This desk writes the branch and the ESA footnote. ### KOHO - URL: https://neobankdb.com/app/koho - Score: 6.2/10 · last verified 2026-08-30 - Canadian money app. Not CDIC on the brand. Eligible cash sits in trust at partner banks — and only if you opt into Earn Interest. - Licence: Fintech. Not a bank. Not currently a CDIC member. Partner-bank trust structure / OSFI / CDIC (partners) - Protection: KOHO is not CDIC-insured. When you opt into Earn Interest, funds sit in trust at CDIC member institutions — up to $100,000 per beneficiary per member, if pass-through conditions hold. Accounts not earning interest are not CDIC-eligible on KOHO’s own copy. KOHO Financial Inc. is a Toronto fintech. It is not a CDIC member. Eligible protection, on KOHO’s own footnote, applies when you opt into Earn Interest and funds sit in trust at CDIC members. Other balances are not. Tangerine is Scotiabank CDIC. This is a prepaid-shaped money app with a bank-licence ambition. Keep salary at a member institution. Founded 2014. Mastercard spend, credit-builder, subscriptions. A June 2026 write-up still says KOHO is not a deposit-taker. Until OSFI issues a Schedule 1 and CDIC membership is live, this desk will not upgrade the class. ### Komo - URL: https://neobankdb.com/app/komo - Score: 6.6/10 · last verified 2026-08-30 - EastWest Rural Bank digital brand. BSP. PDIC. Not a separate digital-bank licence. - Licence: Digital brand of East West Rural Bank, Inc. (EastWest group). PDIC member / Bangko Sentral ng Pilipinas - Protection: PDIC on eligible deposits at East West Rural Bank — live copy has cited both ₱500,000 and ₱1,000,000 MDIC. Confirm the current PDIC ceiling. Shared with other EastWest rural-bank deposits. Komo is East West Rural Bank’s digital brand. BSP. PDIC. Launched 2020. Maya is a digital bank. GCash is e-money. Komo is a rural-bank skin. Do not write a BSP digital-bank licence onto it. Confirm the live PDIC ceiling — EastWest pages have cited ₱500k and ₱1m in different years. Filinvest group. Fort Bonifacio. Directories dump Komo next to Maya because both are apps. The rural-bank word is the review. ### Kontigo - URL: https://neobankdb.com/app/kontigo - Score: 6.3/10 · last verified 2026-08-30 - USDC super-app. Non-custodial pitch. Not a bank. Not FSD. Not FDIC. - Licence: Fintech. Not a bank. USDC wallet + card rails. Kontigo Inc. / Various / VASP-class (confirm live) - Protection: Not FDIC, FSD or DGS. Self-custody USDC is not a bank deposit. Circle’s USDC reserves are not your deposit-guarantee scheme. 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. Circle / Coinbase / Stripe named as ecosystem, not as your insurer. Directories smash the Venezuelan WhatsApp lore into the Peruvian EEDE. This desk keeps two slugs. ### Kontigo Peru - URL: https://neobankdb.com/app/kontigo-peru - Score: 5.5/10 · last verified 2026-08-30 - Lima prepaid / neobank-shaped app (Gmoney). Not FSD. Not the USDC Kontigo. - Licence: Fintech. Gmoney SA. Not an SBS bank. Not FSD / SBS payments perimeter (confirm live class) - Protection: Not Peruvian FSD. FSD covers SBS banks, financieras and cajas. Treat this as prepaid / payments, same family as B89 and Ligo. Kontigo on the Peruvian App Store is Gmoney SA (id 1564451292). That is not Kontigo Global’s USDC wallet. FSD does not follow prepaid. Ligo is the named EEDE on this desk. B89 is the Visa principal. Keep sol deposits at a caja or bank. Lima 2019-era wallet with a Mastercard. Directories sell one Kontigo. This desk sells two. If the live SBS class is thicker than prepaid, the file gets rewritten. ### Krak - URL: https://neobankdb.com/app/krak - Score: 6.4/10 · last verified 2026-08-30 - Kraken/Payward spend card. Lead Bank issues the US Visa. Not FDIC. Not a bank. - Licence: Fintech. Payward. US card issued by Lead Bank. Not a bank / US partner bank / state MTL stack - Protection: Not FDIC or SIPC on Krak balances. Payward’s own US card copy (Aug 2026): the Everyday balance is not a deposit account. Lead Bank issues the Visa. Krak is Payward’s money app — the same group as Kraken. The US Visa launched 18 August 2026, issued by Lead Bank, Stripe in the stack. Account balances are not FDIC or SIPC. That sentence is on the launch note. Keytom is the comparable crypto-IBAN object. This is a card. Keep cash at Ally or SoFi. Payward Interactive / Payward, Inc. Directories file Krak next to banks because the icon is a card. Lead Bank is the only bank in the sentence. ### Krom Bank - URL: https://neobankdb.com/app/krom-bank - Score: 7.0/10 · last verified 2026-08-30 - OJK digital bank. LPS. Kredivo-group. Not a wallet. - Licence: Bank — PT Krom Bank Indonesia Tbk (ex Bank Bisnis Internasional) / OJK / Bank Indonesia - Protection: LPS on eligible deposits at PT Krom Bank Indonesia Tbk — confirm live cap PT Krom Bank Indonesia Tbk is an OJK bank, BI-supervised, LPS participant. Ex Bank Bisnis Internasional, bought into the Kredivo/FinAccel group, relaunched as Krom. Jago is the other Indonesian digital bank on this desk. BNPL is a SKU. The deposit is the bank. Jakarta, Tanah Abang. Mambu stack. Directories misspell it Chrom. The ticker change does not move LPS. Read the OJK name. ### Kroo - URL: https://neobankdb.com/app/kroo - Score: 7.1/10 · last verified 2026-08-30 - PRA/FCA UK bank. FSCS. FRN 953772. Not an EMI and not a prepaid leftover. - Licence: UK bank — Kroo Bank Ltd, FRN 953772, company 10359002 / PRA / FCA - Protection: FSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025) Kroo Bank Ltd is a UK bank. PRA and FCA, FRN 953772, 20 Farringdon Street. FSCS up to £120,000. The old Kroo prepaid was e-money. That product is not this product. Starling and Monzo remain the salary default on this desk. Kroo is a real bank with a smaller toolkit. Do not demote it to a wallet because the app is pretty. Social-bank pitch, 2016, licence with restrictions 2021, full bank SKU later. Directories still describe a prepaid. Read the PRA list. Atom is the savings specialist. Kroo is trying to be a current account. ### kubo.financiero - URL: https://neobankdb.com/app/kubo - Score: 5.9/10 · last verified 2026-08-30 - Mexican SOFIPO. CNBV. Fondo de Protección 25,000 UDIS. Not IPAB. Not Klar. - Licence: SOFIPO — Ku-Bo Financiero, S.A. de C.V., S.F.P. Nivel I / CNBV - Protection: SOFIPO Fondo de Protección up to 25,000 UDIS per person — not IPAB. Same legal family as Klar, different company. Ku-Bo Financiero is a CNBV SOFIPO, Nivel I. Fondo de Protección up to 25,000 UDIS. That is not IPAB and it is not Klar’s app. Keep a banco current account. Use kubo for the ahorro/crédito SKU if the rate wins. Directories that file it as a digital bank are selling a SOFIPO as a charter. Mexico, 2012-era popular-finance shop with an app. CONDUSEF ficha is the adult page. Nu’s bank conversion is a different file. albo is IFPE. Three Mexican objects, three schemes. ### L by LCL Pro - URL: https://neobankdb.com/app/l-by-lcl-pro - Score: 6.8/10 · last verified 2026-08-30 - Crédit Lyonnais digital pro account. ACPR bank code 30002. FGDR. €9 HT. Not a startup charter. - Licence: Digital brand of Crédit Lyonnais (LCL) — bank code 30002, Crédit Agricole group / ACPR / Banque de France / ECB - Protection: FGDR up to €100,000 — L by LCL Pro is Crédit Lyonnais. Shared group cap with LCL / Crédit Agricole. Do not double-count. L by LCL Pro is Crédit Lyonnais in a January 2026 app. ACPR, bank code 30002, FGDR up to €100,000. The €9 HT pack is for auto-entrepreneurs, freelancers and SASU. LCL individual clients were pitched a waiver. Qonto is a payments firm. BforBank is CA’s other digital bank. This is LCL. Shared-group cap maths still apply. Keep reading the live tariff — launch pricing moves. LCL is Crédit Agricole’s urban retail bank. The L skin is the 2026 answer to Shine and Qonto. Directories will call it a neobank. The register calls it Crédit Lyonnais. This desk writes the bank code. ### LeoBank - URL: https://neobankdb.com/app/leobank - Score: 6.9/10 · last verified 2026-08-30 - Unibank CB digital brand. CBA licence 73. ADIF. Not a startup charter. - Licence: Digital brand of Unibank CB OJSC — CBA licence 73 / Central Bank of Azerbaijan - Protection: Azerbaijan Deposit Insurance Fund on eligible deposits at Unibank CB — live cap has been cited at 100,000 AZN. Shared with other Unibank deposits. Confirm ADIF membership on the live legal pages. LeoBank is Unibank CB’s digital brand. Central Bank of Azerbaijan, licence 73. ADIF on eligible Unibank deposits — confirm the live 100,000 AZN figure. Fintech Farm owns the lion trademark and the stack. The deposit sits at Unibank. Directories scrape a neon cat and call it a 2020 charter. It is not. Keep salary at the named bank. Baku. Unibank ATMs are the cash rail. Directories dump LeoBank next to a Ukrainian lion because the icon matches. Universal Bank is monobank. Unibank is this. Two countries. Two objects. ### LHV Pank - URL: https://neobankdb.com/app/lhv - Score: 7.0/10 · last verified 2026-08-30 - Estonian bank. Finantsinspektsioon / ECB. Tagatisfond €100k. Not the UK LHV Bank Ltd file. - Licence: Credit institution — AS LHV Pank / Finantsinspektsioon / Eesti Pank / ECB - Protection: Tagatisfond (Estonian Deposit Guarantee Fund) up to €100,000 per depositor per bank AS LHV Pank is an Estonian credit institution. Finantsinspektsioon, Eesti Pank, ECB. Tagatisfond up to €100,000. Euromoney still calls it Estonia’s best bank in 2026. LHV Bank Limited in London is a separate PRA bank with FSCS. Two licences. Two schemes. Directories smash them because the letters match. This desk will not. Tallinn, 1999 as a broker, bank from 2009. LHV Group is listed. The UK subsidiary is the other file on this intake. Read the IBAN country. A Tagatisfond euro is not FSCS. An EE IBAN is not a sort code. Two LHV tiles, two regulators. ### LHV Bank - URL: https://neobankdb.com/app/lhv-bank - Score: 6.7/10 · last verified 2026-08-30 - PRA/FCA UK bank. FRN 993767. FSCS. Not AS LHV Pank and not an EMI. - Licence: UK bank — LHV Bank Limited, FRN 993767, company 13180211 / PRA / FCA - Protection: FSCS up to £120,000 per depositor per authorised firm (scheme cap from 1 Dec 2025) LHV Bank Limited is a UK bank. PRA and FCA, FRN 993767, 1 Angel Court, company 13180211. FSCS up to £120,000. The Estonian AS LHV Pank file is Tagatisfond. This one is FSCS. Banking-as-a-service for fintechs is a SKU, not a second scheme. Starling remains the salary default on this desk. Do not flatten the two LHV objects. UK branch of LHV Pank became a subsidiary bank. Directories still say ‘LHV UK branch of an Estonian bank’. The PRA list says LHV Bank Limited. Read FRN 993767. ### Lift Bank - URL: https://neobankdb.com/app/lift-bank - Score: 3.7/10 · last verified 2026-08-30 - Brazilian payments firm. LIFT PAGAMENTOS LTDA. Not a Bacen bank. Not FGC. Paused as a consumer brand. - Licence: LIFT PAGAMENTOS LTDA — CNPJ 32.761.142/0001-68. Not a banco múltiplo / Banco Central do Brasil (payments perimeter) - Protection: Not FGC. FGC covers Bacen banks, not a payments company. Do not treat a CNPJ as a charter. Lift Bank is LIFT PAGAMENTOS LTDA, Vitória, CNPJ 32.761.142/0001-68. That is a payments company, not a Bacen bank. FGC does not follow. Banco Central’s LIFT Lab is a different object — an innovation programme. Directories dump a purple tile next to Nubank. Inter and iti are banks. This is not. Do not send salary here. Founded 2019 in Espírito Santo. The public consumer brand is thin in 2026. BCB’s LIFT Lab is an innovation programme, not this CNPJ. This desk keeps the slug so a store-listing ghost cannot look like a third Brazilian digital bank. ### Ligo - URL: https://neobankdb.com/app/ligo - Score: 6.0/10 · last verified 2026-08-30 - Peruvian EEDE. Tarjetas Peruanas Prepago S.A. SBS. Not FSD. Not a banco. - Licence: EEDE — Tarjetas Peruanas Prepago S.A. (electronic-money issuer). Not an SBS bank / SBS - Protection: Not Peruvian FSD. FSD covers SBS banks, financieras and cajas. Ligo is e-money at an EEDE. Prepaid recovery is a different story. Ligo is Tarjetas Peruanas Prepago S.A., an SBS empresa emisora de dinero electrónico. Visa and Mastercard prepaid. Not FSD. B89 is a Visa principal fintech. Kontigo Peru is Gmoney. Three Peruvian prepaid objects. Keep sol deposits at a caja or bank. Use Ligo as e-money if the CCI and card win. Lima EEDE, SBS-supervised. Play listing names Tarjetas Peruanas Prepago as the developer. Directories dump it next to Interbank. The EEDE word is the review. FSD is for banks and cajas. Prepaid recovery is a different file. Plin interoperability does not move the scheme. ### Limited - URL: https://neobankdb.com/app/limited - Score: 6.7/10 · last verified 2026-08-30 - SF spend platform. Not a bank. US DDA sits at a partner bank — Cross River in the live-era copy. Confirm the footer. - Licence: Fintech. Limited, Inc. Not a bank. Banking services via licensed partners / US partner bank / MTL stack - Protection: Limited is not FDIC-insured. Eligible USD DDA balances sit at partner banks (Cross River Bank named in the live-era programme copy) — FDIC pass-through if records are in order. Confirm the current partner on the legal page. Limited, Inc. is a San Francisco spend platform. The live footer says it is not a bank. USD demand deposits in the US programme have sat at Cross River Bank, Member FDIC — confirm the current partner. Mercury is the start-up checking default on this desk. This is cards and payables. Keep operating cash at the named depository. limitedapp.com, not limited.app. Directories 404 the domain and invent a bank. The legal paragraph is the review: technology services provider, partner banks hold the DDA. ### LINE Bank Taiwan - URL: https://neobankdb.com/app/line-bank - Score: 6.6/10 · last verified 2026-08-30 - FSC internet-only bank. CDIC Taiwan NT$3m. Not LINE Pay and not LINE Bank Indonesia. - Licence: Internet-only bank — LINE Bank Taiwan Limited. CDIC member / Financial Supervisory Commission (Taiwan) - Protection: CDIC Taiwan covers eligible deposits at member banks up to NT$3,000,000 per depositor per bank. LINE Pay balances are a different object. LINE Bank Taiwan Limited is an FSC-licensed internet-only bank. CDIC Taiwan up to NT$3 million. LINE the messenger is distribution. LINE Pay is e-money. LINE Bank Indonesia (Hana) is another company. Directories flatten three objects into one green square. This desk files the Taiwan bank. Taipei, 2021 internet-only class with local bank shareholders next to LINE Financial. CDIC listed it as an insured institution. The chat app is not the deposit. LINE Pay is e-money. LINE Bank Indonesia is a Hana-group company. Three logos, three files. This one is the Taiwan FSC bank. ### Liobank - URL: https://neobankdb.com/app/lio-bank - Score: 6.8/10 · last verified 2026-08-30 - OCB digital brand. State Bank of Vietnam. DIV. Fintech Farm stack. Not a separate SBV charter. - Licence: Digital brand of Orient Commercial Joint Stock Bank (OCB). Not a separate SBV bank / State Bank of Vietnam - Protection: Deposit Insurance of Vietnam on eligible deposits at OCB — Circular 05/2026 restated the live cap (VND 350 million from July 2026). Shared with other OCB deposits. Confirm DIV membership on the live legal pages. Liobank is a brand of Orient Commercial Joint Stock Bank. SBV. DIV on eligible OCB deposits — Circular 05/2026 put the live cap at VND 350 million from July 2026; confirm. Fintech Farm owns the lion. LeoBank in Baku is Unibank. Same coat of paint, different charter. Keep VND salary at OCB. Ho Chi Minh City. App Store id 6444787281 on the Vietnamese store. Directories misspell it Lio Bank and invent a licence. The OCB word is the review. ### Littio - URL: https://neobankdb.com/app/littio - Score: 6.2/10 · last verified 2026-08-30 - Colombian dollar app. Selenio S.A.S. Not an SFC bank. Not Fogafín. US partners unnamed on the homepage. - Licence: Selenio S.A.S. (Littio Colombia). Own copy: not a financial entity. USD rails via unnamed US partners / Not SFC (bank) - Protection: Not Fogafín. Not FDIC on the Colombian brand. Selenio S.A.S. says it does not take deposits as a Colombian financial entity. Any US DDA, if it exists, sits at a partner bank — name it before you send salary. Littio is Selenio S.A.S. The homepage says it does not offer financial services that need SFC authorisation and does not raise funds as a Colombian deposit-taker. Fogafín does not follow. Lulo Bank is the SFC digital bank on this desk. A USD account pitch with unnamed US partners is a fintech. Name the bank on the statement before you treat it as a salary home. Bogotá, 2022. Dollar-account ads, Tinder/WeWork-name investors in old press. The legal footer is stricter than the hero. Read the footer. ### Liv - URL: https://neobankdb.com/app/liv - Score: 7.1/10 · last verified 2026-08-30 - Emirates NBD digital brand. CBUAE. AED 25/mo unless waived. Not a separate digital-bank licence. - Licence: Digital brand of Emirates NBD Bank PJSC. Not a separate CBUAE digital-bank licence / Central Bank of the UAE - Protection: UAE bank-deposit protection follows Emirates NBD as a CBUAE licensed bank. Liv is a brand — shared with other ENBD deposits. Confirm the live scheme copy. Liv is Emirates NBD’s digital brand, launched 2017. CBUAE. The deposit sits at Emirates NBD Bank PJSC. Account maintenance is free with salary of AED 5,000+, card spend of AED 2,500, or average balance of AED 3,000 — else AED 25 a month on the published 2026 schedule. Mashreq NEO is another incumbent skin. Wio is a separate digital bank. Read the parent. Dubai. liv.me. Directories call it the UAE’s first digital bank. It is a brand of a listed bank. The fee PDF is more adult than the lifestyle ads. ### livi - URL: https://neobankdb.com/app/livi - Score: 7.1/10 · last verified 2026-08-30 - HKMA virtual bank. Livi Bank Limited. DPS HK$800k. BOC / JD / Jardines in the cap table — not the deposit. - Licence: Virtual bank — Livi Bank Limited. Deposit Protection Scheme member / HKMA - Protection: DPS up to HK$800,000 per depositor per bank at Livi Bank Limited Livi Bank Limited is an HKMA virtual bank. DPS up to HK$800,000. Bank of China (Hong Kong), JD.com and Jardine Matheson sit in the cap table. They are not the deposit scheme. Airstar and Ant Bank are the other virtual banks on this desk. Liv in Dubai is Emirates NBD. Two spellings. Two countries. Two objects. Hong Kong virtual-bank licence, 2019 vintage, live retail later. Directories smash livi and Liv because English is lossy. This desk keeps two slugs. ### Lulo Bank - URL: https://neobankdb.com/app/lulo-bank - Score: 6.9/10 · last verified 2026-08-30 - SFC digital bank. Gilinski / GNB Sudameris. Fogafín COP 50m. Not Bancolombia. Not Nequi. - Licence: Bank — Lulo Bank S.A. First 100% digital bank in Colombia. Fogafín member / Superintendencia Financiera de Colombia - Protection: Fogafín covers eligible deposits at Lulo Bank S.A. — live cap COP 50 million per depositor per institution. Confirm the current Fogafín ceiling. Lulo Bank S.A. is Colombia’s first 100% digital bank. SFC. Fogafín, live cap COP 50 million — confirm. Gilinski / GNB Sudameris is the group. It is not Bancolombia and it is not Nequi. Littio is a dollar fintech. Directories still write ‘Bancolombia digital bank’ on this tile. That sentence is false. The charter is Lulo Bank S.A. Bogotá, 2020 licence, retail later. The purple app is a bank. Nequi is Bancolombia’s wallet. Two objects. This desk will not merge them. ### Lunar - URL: https://neobankdb.com/app/lunar - Score: 7.4/10 · last verified 2026-08-30 - Danish bank. Finanstilsynet 28002. Garantiformuen €100k. DK/SE/NO. Not an EMI. - Licence: Bank — Lunar Bank A/S, FT no. 28002, CVR 39697696 / Finanstilsynet - Protection: Garantiformuen (Danish Guarantee Fund) up to €100,000 per depositor per bank Lunar Bank A/S is a Danish bank. Finanstilsynet 28002, CVR 39697696, Aarhus. Garantiformuen up to €100,000. Retail in Denmark, Sweden and Norway. That is a bank IBAN, not Wise. N26 is German EdB. bunq is Dutch DGS. Lunar is Danish Garantiformuen. Directories still call it a wallet because the app is pretty. Read the FT number. Founded 2015, bank licence 2019. Lunar Group owns the bank. Directories confuse it with a Swedish EMI. The Danish word on the licence is the review. ### MACH - URL: https://neobankdb.com/app/mach - Score: 6.8/10 · last verified 2026-08-30 - Bci prepaid and digital brand. CMF. The bank is Banco de Crédito e Inversiones. Prepaid float is not a bank deposit. - Licence: Prepaid / digital brand of Banco de Crédito e Inversiones. MACH is not a separate CMF bank / CMF / SBIF-era Bci - Protection: Chilean deposit guarantee, if it applies, sits at Banco de Crédito e Inversiones on eligible bank deposits. MACH prepaid balances are a different recovery story — read the live T&Cs. Do not treat the purple app as a second Bci pot. MACH is Banco de Crédito e Inversiones’ prepaid and digital brand. CMF supervises Bci. The purple app is the skin. A CMF bank deposit is not a prepaid float. Directories call MACH a neobank. This desk calls it Bci in app kit. Keep a banco salary pot. Use MACH as spend and P2P if the card wins. Santiago, 2017. Millions of cards. Bci is the listed bank. The MACH wordmark is marketing. Read the issuer line on the plastic. ### Ma French Bank - URL: https://neobankdb.com/app/ma-french-bank - Score: 4.8/10 · last verified 2026-08-30 - La Banque Postale digital subsidiary. Closed 10 July 2025. Leftovers at Caisse des Dépôts. - Licence: Was a credit institution — Ma French Bank, La Banque Postale group. Closed / ACPR (historic) - Protection: Was FGDR at Ma French Bank / LBP group. From 10 July 2025 unclaimed balances sit at Caisse des Dépôts (Ciclade). Confirm any live recovery on ciclade.caissedesdepots.fr. Graveyard. Ma French Bank was La Banque Postale’s digital subsidiary. Accounts stopped moving money from 10 July 2025. Unclaimed balances went to Caisse des Dépôts, same Ciclade pipe as French ING (from 15 Feb 2024) and Orange Bank (from 25 Jul 2025). FGDR followed the bank while it lived. It does not resurrect a closed brand. BforBank and L by LCL Pro are the live French digital banks on this desk. Launched 2019, announced dead December 2024, closed July 2025. Six years. Directories will keep the tile for a decade. This desk files the CDC date. ### MAJORITY - URL: https://neobankdb.com/app/majority - Score: 6.8/10 · last verified 2026-08-30 - US migrant money app. Not a bank. Eligible cash at Axiom Bank, N.A., Member FDIC. Membership fees. - Licence: Fintech. Not a bank. US deposits at Axiom Bank, N.A., Member FDIC / FDIC (partner) - Protection: MAJORITY is not FDIC-insured. Eligible deposits sit at Axiom Bank, N.A., Member FDIC, up to $250,000 if pass-through conditions hold. Historic Sutton Bank copy is stale — confirm the live partner. MAJORITY is a Houston fintech for internationals. It is not a bank. Live help-centre copy names Axiom Bank, N.A., Member FDIC, as the depository — up to $250,000 if pass-through holds. Older press still says Sutton Bank. Read the current footer. Remittance and calling are the product. Ally and SoFi remain the US salary objects on this desk. Launched 2019. Visa, wallets, corridors back home. Directories dump it next to Chime. Chime is Bancorp and Stride. This is Axiom plus a membership SKU. ### Mama Money - URL: https://neobankdb.com/app/mama-money - Score: 6.6/10 · last verified 2026-08-30 - South African remittance and wallet. SARB-supervised payments. Not a SARB bank. Not CODI. - Licence: Remittance / payments fintech. Not a licensed bank. Not CODI / South African Reserve Bank - Protection: Not CODI. CODI covers eligible deposits at SARB-licensed banks (Bank Zero on this desk). Mama Money wallet balances are payments float, not a bank deposit. Mama Money is a Cape Town remittance app. SARB-supervised payments, not a licensed bank. CODI does not follow. Bank Zero is the SARB mutual bank on this desk. The Mama Card is a spend skin with a published R29 monthly fee on 2026 copy. Use it to send. Keep rand salary at a member bank. Founded 2015. Play copy still says ‘licensed and regulated by the South African Reserve Bank’ — that is the payments perimeter, not a bank charter. Directories flatten it into TymeBank. Different objects. ### Marcus - URL: https://neobankdb.com/app/marcus - Score: 7.1/10 · last verified 2026-08-30 - Goldman Sachs Bank USA. FDIC. Online savings and CDs. Not a checking account. Not a neobank debit. - Licence: Online brand of Goldman Sachs Bank USA, Member FDIC. Salt Lake City branch / FDIC / Federal Reserve / NYDFS - Protection: FDIC up to $250,000 per depositor per insured bank per ownership category at Goldman Sachs Bank USA Marcus is Goldman Sachs Bank USA. FDIC. Salt Lake City branch. High-yield savings and CDs. NerdWallet still has to write the sentence in 2026: there is no checking account and no ATM. Ally, SoFi and Varo remain the US salary banks on this desk. Park cash here if the APY wins. Do not try to receive payroll on a savings-only object. Launched 2016. Personal loans were a SKU; the live US religion is deposits. Directories file it as a neobank because Goldman built an app. It is a bank savings franchise. Read the product list, not the wordmark. ### MariBank - URL: https://neobankdb.com/app/mari-bank - Score: 7.5/10 · last verified 2026-08-30 - MAS digital full bank. Sea Limited. SDIC S$100k. Not Shopee Pay and not Grab’s GXS. - Licence: Digital full bank — MariBank Singapore Private Limited. SDIC member / Monetary Authority of Singapore - Protection: SDIC deposit insurance up to S$100,000 per depositor per member bank MariBank Singapore Private Limited is an MAS digital full bank. SDIC up to S$100,000 (the 2024 uplift; older blogs still say S$75k). Sea Limited is the shareholder. Shopee Pay is e-money. GXS is the other digital full bank. Trust is Standard Chartered’s digital brand. Three different Singapore objects. Keep reading the live overseas-transfer tariff. Licence 2020-era, retail 2023. Directories dump it next to Grab. Grab’s bank is GXS. This is Sea. Read the MAS name. ### Marygold & Co. - URL: https://neobankdb.com/app/marygold - Score: 6.1/10 · last verified 2026-08-30 - UK money app. Savings at Griffin Bank Ltd. FSCS on that entity. Not a PRA bank of its own. - Licence: Fintech. Marygold & Co. (UK). Easy-access savings provided by Griffin Bank Ltd. Not itself a bank / FCA / PRA (partner) - Protection: Marygold is not FSCS-protected as a firm. Eligible easy-access savings sit at Griffin Bank Ltd — FSCS up to £120,000 per depositor per authorised firm if the product is a Griffin deposit. Confirm the statement footer. Marygold & Co. (UK) launched its app in March 2025. Easy-access savings are provided by Griffin Bank Ltd, a PRA/FCA bank. FSCS follows Griffin, not the gold wordmark. Moneyhub supplies open banking. This is not Starling. Older desk notes that called the brand closed were wrong — the Westfield launch happened. Keep salary at a UK bank. Use this as a savings sleeve if the rate wins. The Marygold Companies, NYSE American: MGLD. Directories and a prior internal note filed it dead. The March 2025 UK launch and Griffin partnership are the live file. This desk corrects the record. ### Mashreq NEO - URL: https://neobankdb.com/app/mashreq-neo - Score: 7.3/10 · last verified 2026-08-30 - Mashreqbank PSC digital brand. CBUAE. Not a separate digital-bank licence. Not Liv. - Licence: Digital brand of Mashreqbank PSC. Not a separate CBUAE digital-bank licence / Central Bank of the UAE - Protection: UAE bank-deposit protection follows Mashreqbank PSC as a CBUAE licensed bank. NEO is a brand — shared with other Mashreq deposits. Confirm the live scheme copy. Mashreq NEO is Mashreqbank PSC. CBUAE. The deposit sits at Mashreq. NEO BIZ and the July 2026 NEO On Arrival visitor SKU are products, not a second charter. Liv is Emirates NBD. Wio is a digital bank. Three UAE objects. Directories call NEO a neobank because the letters are Latin. This desk writes Mashreqbank PSC. Dubai incumbent, digital skin from 2019. Euromoney still hands Mashreq digital-bank trophies in 2026. Trophies are not a licence class. The CBUAE name is. ### Máximo - URL: https://neobankdb.com/app/maximo - Score: 5.8/10 · last verified 2026-08-30 - Peruvian prepaid. Not FSD. Not an SBS bank. ‘Forget the banks’ is the slogan, not a scheme. - Licence: Fintech prepaid. Not an SBS banco. Ahorro Max sat with Alfintech / Alfin Banco in 2024 copy / SBS payments perimeter (confirm live class) - Protection: Not Peruvian FSD on the prepaid brand. Any savings SKU (Ahorro Max) follows the named partner institution if it is an FSD member — confirm live. The card is prepaid. Máximo is a Lima prepaid aimed at millennials, Gen Z and teens. The homepage says forget the banks. FSD does not follow a slogan. Ligo is the named EEDE on this desk. B89 is the Visa principal. Ahorro Max, in 2024, sat with Alfintech / Alfin Banco — confirm whether that savings SKU is still live and whether FSD attaches. Keep a caja or bank for salary. maximo.pe. WhatsApp issuing in minutes. Directories file it next to Interbank. The plastic is prepaid. Read the issuer. ### mBank - URL: https://neobankdb.com/app/mbank - Score: 7.4/10 · last verified 2026-08-30 - Polish listed bank. KNF / NBP. BFG €100k-equivalent. Commerzbank-owned. Not the Kyrgyz OJSC. - Licence: Bank — mBank S.A. Listed. Commerzbank group / KNF / NBP / ECB (SSM) - Protection: Bankowy Fundusz Gwarancyjny (BFG) up to €100,000-equivalent per depositor per bank mBank S.A. is a listed Polish bank. KNF, NBP, BFG up to €100,000-equivalent. Commerzbank is the owner. BRE Bank rebranded in 2013; the digital franchise is older than N26. OJSC mBank in Bishkek is a different company under the National Bank of the Kyrgyz Republic. Two orange logos. Two files. A Polish IBAN here is a bank IBAN. Warsaw. Directories call it a neobank because the app is orange. It is a universal bank with a digital habit. Read the KNF name. ### mBank KG - URL: https://neobankdb.com/app/mbank-kg - Score: 6.4/10 · last verified 2026-08-30 - OJSC mBank, Bishkek. NBKR. Not Polish mBank S.A. Not BFG. - Licence: Bank — OJSC mBank (Bishkek). Not mBank S.A. Warsaw / National Bank of the Kyrgyz Republic - Protection: Deposit Protection Agency of the Kyrgyz Republic on eligible deposits at member banks — confirm live cap. Not Polish BFG. OJSC mBank in Bishkek is a National Bank of the Kyrgyz Republic bank. It is not mBank S.A. of Warsaw, not Commerzbank, not BFG. Directories collide the wordmarks because both are orange and both say mBank. This desk keeps two slugs. Eligible deposits follow the Kyrgyz Deposit Protection Agency if the bank is a member — confirm the live cap. Bishkek retail bank with a heavy digital front. The Polish listed bank is the other file. Read the country in the IBAN, or the absence of one. ### MeDirect - URL: https://neobankdb.com/app/medirect - Score: 6.9/10 · last verified 2026-08-30 - MFSA credit institution plus Belgian subsidiary. Depositor Compensation Scheme €100k. Savings and investments, not a pink current-account toy. - Licence: Credit institution — MeDirect Bank (Malta) plc, C34125 / MFSA - Protection: Maltese Depositor Compensation Scheme up to €100,000 at MeDirect Bank (Malta) plc. Belgian scheme on the Belgian subsidiary — do not double-count across the two banks. MeDirect Bank (Malta) plc is an MFSA credit institution, C34125. MeDirect Bank SA is the Belgian subsidiary. Depositor Compensation Scheme up to €100,000 per bank — two entities, two caps, do not invent a third. Savings and funds are the religion. N26 is a German current account. This is a Maltese (and Belgian) savings bank with an app. Read the entity on the statement. Ex Mediterranean Bank. Sliema and Brussels. Directories file it next to Revolut because both have orange-ish marketing. Revolut is a specialised bank plus EMI. This is a credit institution that sells deposits and funds. ### meem - URL: https://neobankdb.com/app/meem - Score: 6.8/10 · last verified 2026-08-30 - Gulf International Bank digital brand. SAMA. Sharia-screened. Not a separate digital-bank licence. - Licence: Digital brand of Gulf International Bank — Saudi Arabia. Not a separate SAMA digital-bank licence / SAMA - Protection: SAMA bank-deposit protection follows Gulf International Bank as a licensed bank. meem is a brand — shared with other GIB deposits. Confirm the live scheme copy. meem is Gulf International Bank’s digital brand in Saudi Arabia. SAMA. Sharia-compliant current and cards. Barq is a SAMA e-wallet. STC Pay is payments. This is a bank skin. Deposit protection, if it applies, follows GIB — confirm the live scheme sentence. Directories dump it next to a 2020 neobank. GIB is older than that. Dhahran heritage, Riyadh retail. GIB is a Bahrain-born wholesale name with a Saudi digital front. The meem wordmark is not a second licence. ### Mercury Personal - URL: https://neobankdb.com/app/mercury-personal - Score: 7.0/10 · last verified 2026-08-30 - US founder checking. $240/yr or free with a Mercury business account. Choice / Column FDIC pass-through. Not a bank. - Licence: Fintech. Mercury Technologies, Inc. is not a bank. Personal DDA at Choice Financial Group / Column N.A. / FDIC (partners) - Protection: FDIC pass-through at Choice Financial Group and Column N.A., Members FDIC, and sweep-network banks — up to $250,000 per depositor per bank, with a $5M sweep pitch if eligibility holds. Mercury is not FDIC-insured. Confirm the live partner list. Mercury Personal launched December 2025. Mercury Technologies is not a bank. Checking and savings sit at Choice Financial Group and Column N.A., Members FDIC, with a sweep pitch up to $5m if eligibility holds. The SKU is $240 a year, waived while you remain on an eligible Mercury business account. This is a founder product, not a mass-market current account. Ally, SoFi and Varo remain the US salary banks. The business Mercury file is the other slug — do not merge them. Same company as Mercury Business, different SKU. Directories will file one Mercury. This desk files two. Personal is the December 2025 add-on. Partners are the safety section, same as the company account. ### Miio - URL: https://neobankdb.com/app/miio - Score: 5.7/10 · last verified 2026-08-30 - Mexican IFPE-class payments app. CNBV. Not IPAB. Not a banco múltiple. - Licence: IFPE-class — Miio Payments. Not a banco. Not SOFIPO. Not IPAB / CNBV - Protection: Not IPAB. IPAB is for banks. Miio is a payments / IFPE-class app. Klar and kubo are SOFIPO (25,000 UDIS). albo is IFPE. Three Mexican objects — this one is payments. Miio is a Mexico City payments app (Miio Payments), filed on CNBV IFPE-class lists. It is not IPAB and it is not a banco múltiple. Klar is SOFIPO. Nu México is a bank conversion. albo is the IFPE this desk already scores. Keep a banco current account. Use Miio as spend-and-pay if the app wins. Directories that call it a digital bank are selling an IFPE as a charter. Founded 2017, CDMX. Portuguese EV-charging miio.com is a different company. This slug is the Mexican money app. Do not flatten them. ### moey! - URL: https://neobankdb.com/app/moey - Score: 7.2/10 · last verified 2026-08-30 - Crédito Agrícola digital brand. BdP. Portuguese FGD. Not Millennium BCP. Not ActivoBank. - Licence: Digital brand of Caixa Central de Crédito Agrícola Mútuo / CA group. Portuguese FGD / Banco de Portugal / ECB - Protection: Portuguese FGD up to €100,000 — moey! is Crédito Agrícola. Shared group cap with CA. Do not double-count. moey! is a brand of the Crédito Agrícola group. Banco de Portugal. Portuguese FGD up to €100,000, shared with CA. ActivoBank is Millennium BCP — a different FGD pot. Directories still attach moey to BCP because both are Portuguese and green-ish. The footer on moey.pt names Caixa Central de Crédito Agrícola Mútuo. Read it. Launched 2019. Amadora operations, Lisbon IBAN. MB WAY is the local rail. This desk will not gift it to Millennium. ### Monabanq - URL: https://neobankdb.com/app/monabanq - Score: 7.0/10 · last verified 2026-08-30 - Cofidis / Crédit Mutuel Alliance Fédérale online bank. ACPR. FGDR. Not an EMI. - Licence: Online bank — Monabanq (Cofidis Group / Crédit Mutuel Alliance Fédérale) / ACPR / Banque de France / ECB - Protection: FGDR up to €100,000 — Monabanq is a Crédit Mutuel Alliance Fédérale bank. Shared-group cap maths apply. Do not double-count with other CM / Cofidis deposits. Monabanq is a Crédit Mutuel Alliance Fédérale online bank, sold through Cofidis Group. ACPR. FGDR up to €100,000. Founded 2006 — older than the word neobank. BforBank is Crédit Agricole. L by LCL Pro is LCL. Three French digital banks, three group caps. Directories dump it next to N26. N26 is German EdB. This is FGDR at a CM-group credit institution. Villeneuve-d'Ascq. Remote-only from birth. ‘Élu Service Client de l’Année’ is the billboard. The licence is the review. ### Moneco - URL: https://neobankdb.com/app/moneco - Score: 6.6/10 · last verified 2026-08-30 - French-African money app. Euro IBAN + US rails + USDC. Not FGDR. Not a bank. - Licence: Fintech. Not a bank. Euro account via a French EMI / BaaS partner. USDC wallet is not FGDR / ACPR EMI partner stack (confirm live) - Protection: Not FGDR. A French-looking IBAN on an EMI is safeguarded e-money, not a Crédit Mutuel deposit. USDC is not a bank deposit. Name the EMI on the statement footer before you treat it as salary. Moneco is a Paris fintech for Africans in Europe. Euro account, US rails, USDC, Visa, Orange/MTN top-up. That is not FGDR. BforBank and Monabanq are French banks. An EMI IBAN is safeguarded e-money. The live homepage is thin on the licence holder — Treezor-class BaaS is the historical stack; read the current footer before you send rent. Keep a bank IBAN. Use this as the corridor. moneco.app. Directories file it as a neobank because the card is plastic. Plastic is not a charter. The Africa corridor is the product. ### Monese - URL: https://neobankdb.com/app/monese - Score: 6.7/10 · last verified 2026-08-30 - UK EMI via PPS / Edenred. FCA. Safeguarded e-money. Not FSCS. Not a bank. - Licence: EMI. Monese Ltd authorised as e-money. Accounts issued with PrePay Solutions (Edenred), FCA + NBB / FCA / NBB (via PPS) - Protection: Not FSCS. Monese’s own safety page: accounts are e-money provided by PPS, safeguarded, not covered by the Financial Services Compensation Scheme. Monese Ltd is an FCA e-money firm. Customer accounts are provided by PrePay Solutions (Edenred), authorised by the FCA and the National Bank of Belgium. Safeguarding, not FSCS. That sentence is on Monese’s own safety page. Monzo and Starling are PRA banks. Kroo is a PRA bank. This is e-money with a UK and euro sleeve. Use it to get an account number. Keep rent at a bank. London, 2015, built for people the high street bounced. PPS has been the issuer for years. Directories never updated the class. This desk will not either — until a PRA bank appears on the footer. ### MONETA Money Bank - URL: https://neobankdb.com/app/moneta-bank - Score: 7.4/10 · last verified 2026-08-30 - CNB credit institution. Czech Financial Market Guarantee System. Listed. Not a 2019 neobank. - Licence: Credit institution — MONETA Money Bank, a.s. (ex GE Money Bank) / Czech National Bank / ECB - Protection: Czech Financial Market Guarantee System up to €100,000-equivalent per depositor per bank MONETA Money Bank, a.s. is a Czech National Bank credit institution. Guarantee System up to €100,000-equivalent. Ex GE Money Bank, listed in Prague, PPF-adjacent on the register. Air Bank is PPF’s other digital bank — two files, two pots, do not double-count if group rules say so. N26 is German EdB. A Czech current account here is a bank current account. Prague 4, Vyskočilova. Smart Banka is the app. Directories file it next to Revolut because both have black icons. Revolut is specialised-bank plus EMI. This is a Czech bank with 100+ branches and 500+ ATMs. ### Money Fellows - URL: https://neobankdb.com/app/money-fellows - Score: 5.7/10 · last verified 2026-08-30 - Egyptian digital ROSCA. CBE sandbox / payments perimeter. Not a CBE bank. Not a current account. - Licence: Digital ROSCA / money-circle fintech. Not a licensed bank. CBE sandbox language on the store / Central Bank of Egypt / GAFI - Protection: Not an Egyptian bank-deposit scheme. Contributions in a ROSCA circle are not a CBE current account. Keep salary at a licensed Egyptian bank. Money Fellows digitises the Egyptian ROSCA — gam’eya. The Play listing says CBE sandbox and GAFI. That is not a bank licence. A circle contribution is not a CBE deposit. CIB and Banque Misr remain salary objects. Use this as a disciplined savings club if you already know the social contract. Do not send payroll here. Cairo, New Cairo, hotline 19686. Founded 2017 (2016 on some tiles). Directories scrape ‘neobank’ because the app is purple. The product is a circle. This desk writes the circle. ### MoneyLion - URL: https://neobankdb.com/app/moneylion - Score: 6.3/10 · last verified 2026-08-30 - US consumer-finance app. Not a bank. Spend DDA at Pathward, N.A., Member FDIC. Credit SKUs are not deposits. - Licence: Fintech. MoneyLion. Not a bank. Spend account at Pathward, N.A., Member FDIC / FDIC (partner) / state lending - Protection: MoneyLion is not FDIC-insured. Eligible Spend / RoarMoney balances sit at Pathward, N.A., Member FDIC, up to $250,000 if pass-through holds. Credit Reserve and lending SKUs are not deposits. MoneyLion is a New York consumer-finance app. It is not a bank. Spend / RoarMoney sits at Pathward, N.A., Member FDIC, partnership extended to 2029. Credit Reserve is explicitly not FDIC. Instacash is credit. Ally, SoFi and Varo remain the US salary banks. Use this as a debit-plus-credit loop if you already understand the difference. Do not treat Instacash as a deposit. Founded 2013, SPAC-era NYSE ticker, later Gen Digital adjacency on some tiles — confirm the live parent. Directories dump it next to Chime. Chime is Bancorp and Stride. This is Pathward plus a lending marketplace. ### monobank - URL: https://neobankdb.com/app/monobank - Score: 7.5/10 · last verified 2026-08-30 - Universal Bank digital brand. NBU. FGVFO. Not a separate charter. Not Mono from the UK. - Licence: Digital product of Universal Bank (PRAT). Not a separate NBU bank / National Bank of Ukraine - Protection: Deposit Guarantee Fund (FGVFO) on eligible deposits at Universal Bank. Wartime rules and caps are restated by law — confirm the live FGVFO ceiling. Shared with other Universal Bank deposits. monobank is Universal Bank’s product. National Bank of Ukraine. FGVFO on eligible Universal Bank deposits — wartime caps are restated by law, so read FGVFO, not a 2021 blog. Directories list ‘Monobank JSC’ as its own bank. It is not. Fintech Band built the app. Universal Bank holds the deposit. Monzo is a UK PRA bank. Different country, different object, similar letters. Kyiv, 2017. Black app, white card, iron puns. Directories smash it into Monzo and into LeoBank’s lion. Universal Bank is the file. This desk writes the parent.