Country files
Markets
Each market names the regulator and the deposit scheme before it lists apps. Regulator and deposit scheme first, then the live files.
US · USD
United States
Most US “neobanks” are fintechs with a partner bank. Chime is not a bank — Bancorp and Stride are. Cash App is not a bank — Sutton Bank and Lincoln Savings are. That distinction is the highest-intent query cluster in US digital banking, and it is also the safety question that matters. FDIC pass-through insurance only works if the partner is an insured bank and the records are in order (Synapse showed what happens when they are not). This country page separates chartered digital banks (SoFi Bank, Varo Bank, Ally) from partner-bank fintechs, and flags crypto platforms that are broker-dealers, not banks.
43 live on NeoBankDB
GB · GBP
United Kingdom
The UK is the original challenger-bank market. Monzo, Starling, and Chase UK hold full UK bank licences, so eligible deposits are FSCS protected. Revolut spent years as an e-money institution and now operates a UK bank for eligible customers — the distinction still matters for the product you actually open. EMI wallets (Wise personal, many crypto cards) are safeguarded, not FSCS insured. If the copy says “protected” without naming FSCS or the authorised firm, treat it as marketing.
32 live on NeoBankDB
AE · AED
United Arab Emirates
The UAE is a hub for business neobanks, crypto cards, and multi-currency wallets aimed at residents, founders, and visitors. Aspire, Airwallex, and RedotPay-class products show up because company formation in the Emirates is easy and the card question is “will this work at Carrefour and on Amazon.ae.” Free-zone licences (DFSA, FSRA) are not the same as an onshore CBUAE bank licence. We label the entity.
24 live on NeoBankDB
AU · AUD
Australia
Australia’s digital-bank wave was real and then it thinned out. Up remains the consumer standout. Revolut holds an Australian credit licence and an ADI path that you must verify per product. Archa is a business credit-card and spend platform, not a deposit-taking bank — no personal guarantee is the pitch, Mastercard is the rail. Spriggy is the kids prepaid leader. Airwallex (Singapore-headquartered) is the cross-border business account many Australian companies actually use. Hay, Douugh, and Volt-era brands show up in older directories; several are gone or absorbed. This page only lists what is operating in 2026, with the licence type on the card.
22 live on NeoBankDB
IN · INR
India
India is one of the densest digital-finance markets on earth. UPI made account-to-account payments free and instant, so the products that survive here win on credit, metal cards, US investing, and UX — not on transfers. RBI does not issue a generic neobank licence. Most consumer apps sit on a scheduled bank or an NBFC with a partner bank. That partner-bank name is the question. Open is business connected finance: partner-bank current account, not a consumer neo. RazorpayX is payouts plus a current account at partner banks. PhonePe is wallets: UPI layer, not a bank. Fi is graveyard: the wrapper ended 11 March 2026; the deposit was Federal Bank. Do not add a second Scapia, Niyo, or Jupiter file. Last checked 2026-09-17.
22 live on NeoBankDB
FR · EUR
France
France mixed bank-owned digital brands (Hello bank!, Boursorama) with independents (Nickel, Qonto, Lydia, Revolut). Qonto is the business account default for many SAS/SARL companies. Deblock is the crypto-neobank story. FGDR protection requires a credit institution, not an EMI. We separate those.
21 live on NeoBankDB
SG · SGD
Singapore
Singapore is the HQ city for Airwallex and a launch market for Revolut, Wise, and Aspire. MAS digital bank licences (Grab-Singtel, GXS, MariBank, ANEXT, Green Link) are a different set from the global apps. This page mixes both so a founder searching “business account Singapore” sees the actual menu: local digital banks versus global multi-currency platforms. SDIC protection only applies to member banks, not to EMI wallets.
20 live on NeoBankDB
DE · EUR
Germany
N26 is the German neobank the rest of Europe copied. Trade Republic, Tomorrow, and Vivid sit nearby. BaFin has a long memory for AML failures — N26’s onboarding freezes are part of that history. SEPA IBAN, Girocard vs Mastercard, and whether the deposit sits at a German bank or a foreign branch decide protection. We list the account-holding entity.
16 live on NeoBankDB
CA · CAD
Canada
Canada’s digital banks sit in the shadow of the Big Five. Neo Financial is the consumer brand people mean when they say “Canadian neobank.” Tangerine is Scotiabank’s digital bank — real CDIC member, not a startup. EQ Bank is another. Motus Bank closed in 2025 and was folded back into Meridian Credit Union, which is why it lives in the graveyard, not this list. Wise and Wealthsimple sit adjacent. Always check CDIC membership; a prepaid card is not a deposit.
13 live on NeoBankDB
BR · BRL
Brazil
Nubank is not a challenger anymore — it is one of the largest digital banks on earth, listed in New York, with 100 million-plus customers across Brazil, Mexico, and Colombia. Inter, C6, PicPay, and Mercado Pago fill the rest of the slot. PIX is the rail. FGC membership is the safety line. If you are comparing “best neobank in Brazil,” start with Nubank and then decide whether you need a second account for credit or brokerage.
10 live on NeoBankDB
PH · PHP
Philippines
UNO Digital Bank is a BSP digital bank with PDIC cover at UNObank, Inc. Maya Bank is a digital bank. GCash is not — G-Xchange, Inc. is a BSP e-money issuer, and the wallet is not a deposit. This page splits those licences so an “uno bank” or “digital banks Philippines” search lands on the right file, not on a wallet.
10 live on NeoBankDB
ID · IDR
Indonesia
Jago, Blu by BCA, SeaBank, and Krom are the digital-bank layer on top of GoPay / OVO / DANA wallets. Super-apps own distribution. OJK digital-bank rules tightened after the first wave. Krom in particular is a name people search and older directories mishandle. We list licence class and whether the product is a bank account or a wallet. SeaBank now has a full file at /app/seabank. Krom is /app/krom-bank.
9 live on NeoBankDB
NG · NGN
Nigeria
Nigeria is a mobile-money super-app market. Kuda, OPay, and PalmPay-class products compete on free transfers, cards, and agency networks — not on marble branches. CBN licensing (commercial bank, MMO, PSP) is the split that matters. Dollar cards and “blocked US services” are the consumer pain this market actually searches. We list licence type, card network, and whether USD / virtual cards are still issuing.
9 live on NeoBankDB
CH · CHF
Switzerland
Switzerland is where this industry’s graveyard is loudest in 2025–2026: Swiss4, FlowBank, radicant, Coop Finance+. FINMA does not play. The survivors (Alpian, Yuh, neon, Revolut as a foreign EMI passporting in, Swissquote as a bank/broker) are the list that matters. A FINMA banking licence is rare. Securities-dealer and fintech licences are not the same thing. This page is deliberately small.
9 live on NeoBankDB
ES · EUR
Spain
Spain’s digital layer is mostly bank-owned (Abanca, B100, Openbank, imagin) plus Catalan community fintechs. B100 is a commercial brand of Abanca — same IBAN, same FGD, do not double-count the cap. A Banco de España credit institution is FGD-protected. A PSD2 wallet that shows a European IBAN is not. This desk names the entity, not the app icon.
6 live on NeoBankDB
HK · HKD
Hong Kong
Eight HKMA virtual banks. Airstar (Xiaomi) and Ant Bank (Ant International) are the two on this desk from that licence class. DPS is for banks, not stored-value facilities.
5 live on NeoBankDB
SA · SAR
Saudi Arabia
Barq is Barraq Finance Company, a SAMA e-wallet (Decision 26/M SM/1445). Its own copy says it is not a bank account. D360 Bank is a SAMA digital bank (CR 1010822737, capital SAR 2.1bn). STC Bank is the former stc pay / Saudi Digital Payments Company, now a SAMA digital bank. Vision Bank Closed Joint Stock Company (CR 1010850478, capital SAR 1.5bn) received SAMA’s non-objection to commence operations on 15 September 2025. meem is Gulf International Bank’s skin. Keep salary at a SAMA bank, not at Barq.
5 live on NeoBankDB
IT · EUR
Italy
Italy’s digital layer is mostly bank-owned. Banca Widiba is Montepaschi’s digital and advice bank — Banca d’Italia / ECB, FITD, Italian IBAN. Fineco is the other search. Revolut and N26 sit beside them as foreign IBANs. FITD is a consortium of Italian banks; the cap is per depositor per bank, and group maths still apply. An EMI IBAN that looks Italian is not FITD.
4 live on NeoBankDB
MX · MXN
Mexico
albo is an IFPE, not a bank. Nu México converted toward a bank licence in 2026. SPEI is the rail. Do not write IPAB onto an IFPE wallet.
4 live on NeoBankDB
PE · PEN
Peru
B89 is a Lima fintech and Visa principal member. It is not an SBS bank. FSD does not follow a prepaid brand. The live site sells cross-border payments. Keep sol deposits at an FSD member. Directories that call B89 a neobank are selling a BIN as a charter.
4 live on NeoBankDB
ZA · ZAR
South Africa
Bank Zero is a SARB mutual bank in Sandton — app-only, clearing rails. GoTyme Bank is the 2026 name for TymeBank (same SARB bank, CODI R100,000 on its footer). Discovery Bank Limited is named on SARB’s CODI member list. CODI launched in April 2024. A wallet with a Visa sticker is not CODI. The Big Five still dominate; this page exists so a ‘SA neobank’ search lands on a licence.
4 live on NeoBankDB
BE · EUR
Belgium
Aion Bank was the digital name. UniCredit bought it in March 2025. Banx, the Proximus + Belfius app, was discontinued in December 2024; clients were pointed at Belfius. A Belgian credit-institution IBAN is still a bank IBAN. An EMI passporting in is not.
3 live on NeoBankDB
CO · COP
Colombia
Lulo Bank is a Gilinski-group digital bank — SFC, FOGAFIN. It is not Bancolombia and not Nequi. Littio is a dollar-account fintech, not a bank. Nequi is the Bancolombia wallet most Colombians already have. Score the charter, not the neon.
3 live on NeoBankDB
MY · MYR
Malaysia
BNM licensed a handful of digital banks. GX Bank Berhad (formerly A5-DB Operations (M) Berhad, 202101014409) holds a digital-bank licence and is a PIDM member — Grab’s Malaysian bank, not GXS Singapore. AEON Bank is the Islamic digital-bank name people search. Be U is Bank Islam’s digital brand — PIDM follows Bank Islam, and the app is migrating into BIMB Mobile. PIDM membership is the safety line, not the word ‘digital’.
3 live on NeoBankDB
TR · TRY
Turkey
Turkish digital-bank search is full of loan shops and wallets. Hayat Finans Katılım Bankası A.Ş. is a BDDK digital participation bank — operating licence 23 March 2023, Hayat Holding, TRY 1.5bn capital on its own news page. Enpara.com was QNB’s branchless skin from 2012; QNB’s about page says it was separated on 28 August 2025 as Enpara Bank A.Ş. BankPozitif is a BDDK development and investment bank, not a travel neobank. A BDDK bank deposit is a TMSF object. An e-money wallet is not.
3 live on NeoBankDB
BH · BHD
Bahrain
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. ila Bank is Bank ABC. Those two sentences are the Bahrain digital-bank search.
2 live on NeoBankDB
CZ · CZK
Czechia
Air Bank is the PPF digital bank Czech residents actually use. Koruna current account, CNB licence, deposit insurance. It is not N26.
2 live on NeoBankDB
IL · ILS
Israel
Israel finally licensed a new bank. ONE ZERO Digital Bank Ltd received a full Bank of Israel licence in January 2022 — first in decades. Pepper is not that story: it is Bank Leumi’s digital current account, Israel residents only, age 16. Directories that list Pepper as a charter are wrong. Non-resident tourists are not the customer.
2 live on NeoBankDB
MT · EUR
Malta
MeDirect Bank is an MFSA credit institution with a Belgian subsidiary. Savings and investment packaging is the product. A Maltese bank IBAN is DCS. Moneybase is an MFSA financial institution — its own safety page says it is not a credit institution. An EMI IBAN that happens to look Maltese is not DCS.
2 live on NeoBankDB
PK · PKR
Pakistan
Pakistan’s digital layer is mostly EMI wallets with pretty cards. NayaPay (Private) Limited is an SBP Electronic Money Institution — its own footer says so. Sadapay Private Limited (SECP 0136598) is SBP-regulated, Mastercard-issuing, DIFC parent; still not a bank. JazzCash and Easypaisa sit on branchless-bank brands of actual banks. DPC follows member banks, not EMI float. If a directory called SadaPay a neobank deposit, it lied.
2 live on NeoBankDB
PT · EUR
Portugal
ActivoBank is Millennium BCP’s digital brand — same group, same deposit-cap maths. Revolut and Wise sit beside it as EEA / EMI products. Do not double-count ActivoBank and Millennium as two FGD pots.
2 live on NeoBankDB
DZ · DZD
Algeria
Banxy is Natixis Algérie’s mobile brand, launched 2018 as the first smartphone bank in the country. Natixis has been in Algiers since 1999; BPCE is the French parent. The app is the skin. The bank is Natixis Algérie. FGDB follows the bank. Directories that list ‘Banxy Bank’ as a separate charter are wrong.
1 live on NeoBankDB
AZ · AZN
Azerbaijan
LeoBank is Unibank’s digital brand. CBA is the supervisor. The card is Unibank. Directories scrape a neon lion and call it a startup charter. It is not.
1 live on NeoBankDB
KY · KYD
Cayman Islands
Seat flag for companies on this desk that are incorporated in the Cayman Islands. It is not a list of banks you can open from here.
1 live on NeoBankDB
CL · CLP
Chile
MACH is Banco de Crédito e Inversiones’ prepaid and digital brand. Bci is the bank. 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.
1 live on NeoBankDB
CY · EUR
Cyprus
Cyprus has a short CBC register of local authorised credit institutions. Ancoria Bank Limited is on it — digital-first, SEPA Instant, Visa debit, city centres. Bank of Cyprus and Hellenic are the incumbents. A Maltese EMI IBAN is not this market. If the copy says ‘Cyprus IBAN’ without naming a CBC credit institution, treat it as marketing.
1 live on NeoBankDB
DK · DKK
Denmark
Lunar Bank A/S is a Danish bank. Garantiformuen is the scheme. The green app is not a Swedish EMI. Sweden and Norway SKUs, if live, sit on the Danish bank or on local partners — read the entity on the statement. Directories dump Lunar next to Revolut because both are apps.
1 live on NeoBankDB
EG · EGP
Egypt
Money Fellows is a digital ROSCA / money-circle platform, not a CBE bank. Keep salary at a licensed Egyptian bank. Directories that file it next to CIB are selling a circle as a current account.
1 live on NeoBankDB
EE · EUR
Estonia
LHV Pank is the Estonian bank. LHV Bank Limited in the UK is a separate PRA bank. Two licences, two schemes. Tagatisfond on the Estonian IBAN. FSCS on the UK entity. Directories that flatten them into one tile are the reason this desk exists.
1 live on NeoBankDB
FI · EUR
Finland
Aktia is a listed Finnish bank with a digital skin, not a startup EMI. OP and Nordea still dominate. Score Aktia as a bank.
1 live on NeoBankDB
GH · GHS
Ghana
Affinity is a digital Savings-and-Loans franchise, not a universal bank. Mobile money (MTN, Vodafone) is the rail most Ghanaians already have. Licence class is the whole review.
1 live on NeoBankDB
IS · ISK
Iceland
Indó is indó sparisjóður hf. — an Icelandic savings bank, not a Lithuanian EMI with a glacier in the ads. TIF is the scheme. EEA residency and electronic ID are the onboarding. Directories misspell it Indo and dump it next to an Indonesian wallet.
1 live on NeoBankDB
JP · JPY
Japan
Japan licenses internet banks. It does not license a generic neobank. Rakuten Bank, PayPay Bank, Sony Bank, au Jibun Bank and SBI Sumishin Net Bank are FSA banks. DIC covers eligible yen deposits at ¥10 million principal plus interest per depositor per bank. Payment-and-settlement non-interest demand deposits are fully protected. Kyash is a wallet. Do not file it as a bank. Japan’s digital-bank market is old. Japan Net Bank opened in 2000 and now trades as PayPay Bank. Rakuten Bank is the scale name: 18.07 million accounts and ¥12.9 trillion in deposits at 31 March 2026. Directories that skip Japan because the apps are in Japanese are leaving the largest licensed internet-bank cohort in Asia off NeoBankDB. FSA licensed bank — deposit can sit in DIC. Wallet / prepaid — Kyash, JAL Global Wallet — not DIC as a bank deposit. Rakuten Securities is a broker. Money Bridge is a link, not a second bank. Wise and Revolut may appear in search. They are not Japanese banks. File Rakuten Bank first. SBI Sumishin Net Bank / d NEOBANK is a licensed bank plus a Docomo skin — split the objects. PayPay Bank is a licensed bank; PayPay the wallet is next door. Sony Bank is FX and foreign-currency strength. au Jibun Bank is licensed. Minna no Ginko is Fukuoka FG. UI Bank and 01 Bank are smaller licensed digital banks. Kyash is wallets. AEON Bank Ltd in Japan is not /app/aeon-bank — that slug is AEON Bank Malaysia. Open from abroad: residency and My Number KYC are gated. An App Store listing is not proof a non-resident can onboard. Last checked 2026-09-17. Not advice.
1 live on NeoBankDB
KG · KGS
Kyrgyzstan
mBank KG is OJSC mBank in Bishkek, not the Polish listed bank. NBKR is the supervisor. Directories collide the two orange logos. NeoBankDB keeps two files.
1 live on NeoBankDB
MA · MAD
Morocco
Kakadu pitched a Moroccan digital bank and, as of August 2026, still looks like a waitlist with a dead marketing site. Bank Al-Maghrib does not issue a generic neobank sticker. Until a named bank or payment-institution licence is on a live page, NeoBankDB files it as coming-soon, not as a salary home.
1 live on NeoBankDB
NL · EUR
Netherlands
Knab is a DNB bank — once Aegon Bank, sold to BAWAG in 2024. bunq is the other Dutch digital name already on this desk. A Dutch IBAN at a DNB credit institution is DGS. An EMI passporting in is not. Score the licence, not the orange marketing.
1 live on NeoBankDB
NZ · NZD
New Zealand
New Zealand has not licensed a locally-owned digital-only registered bank yet. Dosh says so on its homepage: not a registered bank; funds on trust at a NZ registered bank; DCS language on their copy. Wise and Airwallex are the cross-border objects. Do not write ‘NZ neobank’ onto a trust account until RBNZ says the word bank.
1 live on NeoBankDB
PL · PLN
Poland
mBank S.A. is a listed Polish bank, Commerzbank-owned, not a 2015 challenger. BFG is the scheme. The orange app is a two-decade digital franchise. mBank KG in Bishkek is a different company in a different country. Do not flatten them.
1 live on NeoBankDB
KR · KRW
South Korea
KakaoBank is the internet bank this market actually uses — a licensed bank, KDIC, won current account, not a wallet with a yellow icon. Toss Bank and K Bank sit in the same FSC internet-bank class. KakaoTalk is distribution. The deposit sits at KakaoBank Corp. Directories that file KakaoBank next to a prepaid card are illiterate.
1 live on NeoBankDB
LK · LKR
Sri Lanka
Sri Lanka’s digital layer is a licensed commercial bank in an app, not a startup charter. FriMi is Nations Trust Bank PLC’s digital brand. NTB is CBSL-supervised. SLDIS follows the bank. Wallets exist; they are not this file. An App Store tile is not a second licence.
1 live on NeoBankDB
TW · TWD
Taiwan
LINE Bank Taiwan Limited is an FSC-licensed digital bank. LINE the messenger is distribution. CDIC Taiwan is the scheme, not a Japanese wallet. LINE Bank Indonesia is a different company. NeoBankDB files the Taiwan bank.
1 live on NeoBankDB
UA · UAH
Ukraine
monobank is Universal Bank’s product, not a separate NBU charter. Black app, FGVFO at Universal Bank. That is the whole file. Directories that list ‘Monobank JSC’ as its own bank are copying a brand.
1 live on NeoBankDB
UZ · UZS
Uzbekistan
AVO bank is a 2025 Tashkent charter: CBU licence no. 83 dated 28 February 2025. That is a bank. Uzbekistan introduced a statutory deposit-guarantee law in 2025. Young banks fail more often than old ones. Directories will file AVO next to Revolut because it has an app. NeoBankDB files it next to the CBU head-office list.
1 live on NeoBankDB
VN · VND
Vietnam
Liobank is a brand of Orient Commercial Joint Stock Bank (OCB), supervised by the State Bank of Vietnam. Fintech Farm owns the lion trademark. The deposit, if it is a bank deposit, sits at OCB. Directories list Liobank as a startup charter. It is not.
1 live on NeoBankDB