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Neobanks that issue a Visa card

178 of 368 tracked neobanks · verified from public filings and product docs · updated 2026-07-26

short answer178 of the 368 neobanks tracked here are Visa neobanks. The network on the card is chosen by whoever issues it, which for most neobanks is a sponsor bank or a BIN sponsor rather than the brand on the app. The largest by disclosed users are GCash, Mercado Pago, Cash App, PicPay and Revolut; all 178 are listed below with custody, licence and geography.

The network on the card is chosen by whoever issues it, which for most neobanks is a sponsor bank or a BIN sponsor rather than the brand on the app. It matters for acceptance abroad and for which benefits apply, but it tells you nothing about who holds your money.

All 178 Visa neobanks

neobanktypehqcustodylicence / structurereported users
GCash traditional Manila, PH Custodial E-money issuer licence (EMI-NBFI, Bangko Sentral ng Pilipinas) via G-Xchange Inc.; Mynt group 94M users (2024)
Mercado Pago hybrid Buenos Aires, AR Custodial Payment/fintech licences region-wide; pursuing MX bank licence 78M MAU (2025)
Cash App hybrid Oakland, US Custodial Via Block's bank + BitLicense 59M transacting actives (2025)
PicPay traditional São Paulo, BR Custodial Payment institution + bank (BCB) 58M users (2024)
Revolut hybrid London, UK Custodial UK banking licence (2024); EU licence (Lithuania) 50M customers (2025)
PagBank traditional São Paulo, BR Custodial Bank; Public (PAGS) 32M clients (2024)
Maya traditional Manila, PH Custodial PH digital bank + EMI + VASP 30M users (2024)
Chime traditional San Francisco, US Custodial Partner banks (The Bancorp, Stride) 22M members (2024)
Nequi traditional Medellín, CO Custodial Licensed compañía de financiamiento (Superfinanciera Colombia); spun out of Bancolombia's banking licence 20M users (2024)
Wise traditional London, UK Custodial E-money/payment licences globally 19M customers (FY26)
TymeBank traditional Johannesburg, ZA Custodial SA banking licence 10M customers (2024)
1inch Card web3-native Dubai, AE Self-custodial Self-custodial; card via Baanx/Crypto Life
AEON Bank traditional Kuala Lumpur, MY Custodial Islamic digital bank licence (BNM)
Airtm hybrid Mexico City, MX Custodial MSB registration (FinCEN, No. 31000329787639); USDC-based dollar wallet
ALAT by Wema traditional Lagos, NG Custodial Bank (Wema Bank)
AllScale web3-native Custodial Self-custodial stablecoin platform; not a bank; compliance and settlement via licensed partners
Alpian traditional Geneva, CH Custodial Swiss banking licence
Aspire traditional Singapore, SG Custodial MPI (MAS)
Avalanche Card web3-native Self-custodial Self-custodial; issuer partners
Avici web3-native Self-custodial Self-custodial software
Bank Jago traditional Jakarta, ID Custodial Bank (OJK); GoTo ecosystem
Beyon Money traditional Manama, BH Custodial CBB-licensed payment institution group (Batelco Financial Services: PSP/AISP/PISP; BRS money changer; investment Cl.2)
BFinance hybrid Prague, CZ Custodial Czech VASP registration; Marqeta-issued cards
Binance Card hybrid Custodial Jurisdiction-dependent VASP registrations
Bitget Card hybrid Custodial Exchange VASP registrations (Lithuania, Bulgaria, Poland, Czechia); cards via issuer partners (DCS, Fiat24, Immersve)
Bitget Wallet web3-native Self-custodial Self-custodial; cards via DCS (Asia), Immersve (EU/UK/LatAm), Fiat24 (CN virtual)
Bitnob hybrid Lagos, NG Custodial VASP applicant under Nigeria SEC's ARIP (approval-in-principle track); licensed partners for rails
Bitpanda hybrid Vienna, AT Custodial MiCA (AT); BaFin licences
Bling traditional Berlin, DE Custodial E-money distributor of Treezor (ACPR-licensed French EMI, Société Générale group)
BoursoBank traditional Paris, FR Custodial Bank (Société Générale)
Branch traditional Minneapolis, US Custodial Partner banks (Lead Bank; Evolve Bank & Trust); Mastercard debit for workforce payouts
Brighty hybrid Baar (Zug), CH Custodial Razz Finanzz AG (CH); crypto via Polish VASP registration (Wireflexion); fiat, IBANs and cards via BaaS partners
Brubank traditional Buenos Aires, AR Custodial Bank licence (BCRA)
Cake traditional Ho Chi Minh, VN Custodial Partner: VPBank
Carbon traditional Lagos, NG Custodial Microfinance bank (NG)
CEX.IO Card hybrid London, UK Custodial MSB (FinCEN) + US state money-transmitter licences; UK FCA cryptoasset registration; EU VASP (Lithuania)
Charlie traditional Los Angeles, US Custodial Partner bank (Sutton Bank); Visa debit; FDIC pass-through insurance
Chase UK traditional London, UK Custodial UK subsidiary of JPMorgan
Chipper Cash hybrid San Francisco, US Custodial Licensed e-money/payments across Africa (CBN, BoG, BoU, BNR); 40+ US money-transmitter licences; FCA EMI (UK)
Cleva traditional Lagos, NG Custodial MSB registration (FinCEN); USD accounts via licensed FDIC-insured US partner banks
COCA hybrid Dubai, AE MPC self-custodial MPC self-custody; e-money card partners (UK/EU)
Coinbase Card hybrid San Francisco, US Custodial US state licences, MiCA; Public (COIN)
Comun traditional New York, US Custodial Partner bank (Community Federal Savings Bank); Visa debit; FDIC pass-through
Cora traditional São Paulo, BR Custodial SCFI licence (Central Bank of Brazil, Jul 2024) + payment institution; formerly SCD
Crypto.com hybrid Singapore, SG Custodial MiCA CASP, MAS MPI, US MSBs
Current traditional New York, US Custodial Partner banks (Choice, Cross River)
Cypher web3-native Self-custodial Self-custodial; principal card programs
D360 Bank traditional Riyadh, SA Custodial Digital bank licence (SAMA); PIF-backed
Dakota web3-native New York, US Self-custodial Self-custodial software
Dave traditional Los Angeles, US Custodial Partner bank (Evolve)
Deblock web3-native Paris, FR Mixed (fiat custodial + self-custody crypto) PSAN + payment institution (ACPR)
Decaf web3-native Self-custodial Self-custodial; issuer partners
Discovery Bank traditional Johannesburg, ZA Custodial SA banking licence
Djamo traditional Abidjan, CI Custodial Microfinance licence (BCEAO / Côte d'Ivoire MEF, Sep 2025 — first fintech); cards with partner banks
EtherFi Cash web3-native Miami, US Self-custodial DeFi protocol + issuer partners
eToro Money hybrid Tel Aviv, IL Custodial Broker-led; e-money institution (eToro Money UK, FCA FRN 900203; eToro Money Malta, MFSA)
Eversend traditional Kampala/Paris Custodial E-money issuer + PSP licences (Bank of Uganda); FinCEN and FINTRAC registrations
Exa web3-native Buenos Aires, AR Self-custodial DeFi protocol (Exactly); card via partners
Fasset hybrid Dubai, AE Custodial VARA VASP licence (Dubai, broker-dealer); provisional Islamic digital-bank licence in Malaysia
Fiat24 web3-native Zurich, CH Self-custodial Swiss fintech licence (FINMA)
Finom traditional Amsterdam, NL Custodial E-money institution (FINOM Payments B.V., DNB Netherlands); EU/EEA passporting
Fizen web3-native Ho Chi Minh, VN Self-custodial Self-custodial software
Flex hybrid San Francisco, US Custodial Partner banks (Column, Lead, Thread)
Flouci traditional Tunis, TN Custodial Partner-bank model — BCT regulatory sandbox (1st cohort, 2020); not a bank
Fold hybrid Phoenix, US Custodial Partner bank (Sutton Bank) issues Fold Visa prepaid card; BTC via Fortress Trust, BitGo-insured custody
Fyrst traditional Bonn, DE Custodial Brand of Deutsche Bank AG — full German banking licence (ECB/BaFin); Postbank rails
Gnosis Pay web3-native Zug, CH Self-custodial E-money via Monavate (UK/EU); funds in your own Safe
GoHenry traditional New York/London Custodial Partner bank (Community Federal Savings Bank, US); UK cards via FCA-regulated e-money issuer
GoTyme Bank traditional Manila, PH Custodial PH digital bank licence (Tyme x Gokongwei)
Grasshopper traditional New York, US Custodial National bank charter (de novo 2019)
Hello bank! traditional Paris, FR Custodial Operates under BNP Paribas' French banking licence (direct-bank brand)
Hyperbeat web3-native Self-custodial Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra
ila Bank traditional Manama, BH Custodial Bank (ABC Group)
imagin traditional Barcelona, ES Custodial Operates under CaixaBank's Spanish banking licence (ECB/Bank of Spain supervised)
Infini web3-native Self-custodial Self-custodial software
Jenius traditional Jakarta, ID Custodial Bank (BTPN/SMBC)
Jupiter traditional Mumbai, IN Custodial Partner bank (Federal Bank); RBI PPI licence via parent Amica Financial Technologies
Karat traditional Los Angeles, US Custodial Partner bank (Grasshopper Bank, N.A.); Karat Visa credit card issued by Cross River Bank
Karta web3-native Redwood City, US MPC self-custodial Self-custodial (MPC via Privy); Visa issued by Rain
KAST hybrid Hong Kong, HK Custodial Runs on licensed partners' rails: custody via BitGo/Fireblocks, Visa cards via licensed issuers; not a bank
Klarna traditional Stockholm, SE Custodial Swedish banking licence
Kolo hybrid Custodial AIFC FinTech Lab licence (Kazakhstan) + Polish VASP; cards issued by Banco Popular de Puerto Rico
Kontigo web3-native Custodial Self-custodial MPC wallet (USDC); no licence of its own; fiat rails via partners
Kontist traditional Berlin, DE Custodial Partner bank (Solaris SE, BaFin-licensed); German IBAN accounts
KuCard hybrid Custodial Card issued by Wallester AS (Estonian payment institution); KuCoin EU holds Austrian MiCA CASP licence
Kuda traditional Lagos, NG Custodial Microfinance bank (NG)
Lava hybrid New York, US Custodial Custodial (cold storage, distributed keys) since Sept 2025
Lemon hybrid Buenos Aires, AR Custodial Registered VASP/PSAV (CNV Argentina, No. 162); payment account via Digifin S.A.
Lili traditional New York, US Custodial Partner bank (Sunrise Banks, N.A.); wires via Column Bank; formerly Choice Financial
LINE BK traditional Bangkok, TH Custodial JV on KBank licence
Littio hybrid Bogotá, CO Custodial On/off-ramp + issuer partners; USD via onchain treasuries
Liv. traditional Dubai, AE Custodial Operates under Emirates NBD's banking licence (CBUAE) as its digital bank
Lulo Bank traditional Bogotá, CO Custodial Bank licence (CO)
Lunar traditional Aarhus, DK Custodial Danish banking licence
Majority traditional Houston, US Custodial Partner bank (Axiom Bank, N.A.); Visa debit; credit card issued by WebBank
Mashreq Neo traditional Dubai, AE Custodial Bank (Mashreq)
Meru hybrid Bogotá, CO Custodial MSB registration (FinCEN, R3mit Solutions Inc.); USDC accounts via licensed US/EU partners
Minna Bank traditional Fukuoka, JP Custodial Bank licence (JP)
Mogo hybrid Vancouver, CA Custodial Cards issued by Peoples Trust Company; MogoTrade is a CIRO-regulated broker (Canada)
Moneco traditional Paris, FR Custodial Accounts and cards via regulated EMI partners (Europe/US); Moneco Canada registered with FINTRAC
MoneyLion traditional New York, US Custodial Partner banks
Moon web3-native Self-custodial Self-custodial software
Moto web3-native New York, US Self-custodial Non-custodial; collateral held in Solana smart contracts, DeFi insurance pool instead of FDIC
MyInvestor traditional Madrid, ES Custodial Own Spanish banking licence (MyInvestor Banco S.A., Banco de España no. 1544; Andbank group); CNMV supervised
Naranja X traditional Córdoba, AR Custodial Bank (Grupo Galicia)
NayaPay traditional Karachi, PK Custodial E-money institution (State Bank of Pakistan EMI licence, 2021)
Neon traditional São Paulo, BR Custodial Payment institution / e-money issuer authorised by Banco Central do Brasil (2021); Neon CTVM brokerage
Nexo hybrid Zug, CH Custodial EU VASP registrations; MiCA CASP application pending; EEA served via MiCA-licensed Tangany + DLT Finance
Niyo traditional Bengaluru, IN Custodial Partner banks (SBM Bank India, DCB Bank) — RBI-regulated issuers; no own licence
NOW Money traditional Dubai, AE Custodial E-money institution / Stored Value Facility licence (Central Bank of UAE); funds safeguarded at UAE banks incl. CBI
OKX Card hybrid Custodial VARA, MiCA (Malta)
Onboard web3-native Lagos, NG Self-custodial Self-custodial software
One traditional Sacramento, US Custodial Partner bank (Coastal Community)
Oobit web3-native Singapore, SG Self-custodial Self-custodial software
Open traditional Bengaluru, IN Custodial Partner banks (ICICI, Axis, Yes Bank +); RBI-licensed payment aggregator
Openbank traditional Madrid, ES Custodial Full banking licence within Santander Group (ECB/Bank of Spain); US via Santander Bank N.A.
Panacea Financial traditional Little Rock, US Custodial Division of Primis Bank (NASDAQ: FRST) — operates under Primis's US bank charter; FDIC-insured
PayPay Bank traditional Tokyo, JP Custodial Bank (JP); SoftBank ecosystem
Paysera traditional Vilnius, LT Custodial E-money institution licence (Bank of Lithuania, 2012); EEA passported
PaySika traditional Douala, CM Custodial Cards issued by Ecobank Cameroon under Visa licence; PaySika Holding registered in France
Payy web3-native New York, US Self-custodial Self-custodial ZK L2; card via issuer partners
Plasma One web3-native Self-custodial Own L1; card via issuer partners
Plutus hybrid London, UK Custodial E-money card via Modulr (FCA EMI; Lithuanian EMI for EEA); PLU rewards self-custodial
Rakuten Bank traditional Tokyo, JP Custodial Bank; Public (JP)
Ramp traditional New York, US Custodial Partner banks
RappiPay traditional Bogotá, CO Custodial Finance company charter (compania de financiamiento, SFC Colombia, 2022); Rappi-Davivienda JV; Fogafin-insured
RazorpayX traditional Bengaluru, IN Custodial Partner banks (RBL, ICICI, Yes, Axis, IDFC First); Razorpay holds RBI payment aggregator licence
Ready web3-native London, UK Self-custodial Self-custodial software
RedotPay hybrid Hong Kong, HK Custodial Hong Kong MSO, money lender + TCSP licences; VASP (RedotX UAB, Lithuania FCIS); MSB registrations (US/Canada)
Relay traditional Toronto/US Custodial Partner bank (Thread Bank, Member FDIC); previously Evolve Bank & Trust
Ripio hybrid Buenos Aires, AR Custodial VASP: PSAV registration with CNV Argentina (Nos. 36/37, 2024); regional entities in BR/MX
Rizon web3-native Self-custodial Self-custodial software
Salt Bank traditional Bucharest, RO Custodial Bank (Banca Transilvania)
Slash hybrid San Francisco, US Custodial Partner bank (Column N.A., Member FDIC); previously Piermont Bank
slice traditional Bengaluru, IN Custodial Small finance bank (via NESFB merger)
Snappi traditional Athens, GR Custodial Full ECB banking licence (via Bank of Greece, Jun 2024); Piraeus-backed digital bank
SoFi traditional San Francisco, US Custodial National bank charter (2022)
Solayer Emerald web3-native Self-custodial Self-custodial; Visa principal program
Solflare web3-native Belgrade, RS Self-custodial Self-custodial software; card via issuer partners
Sparkle traditional Lagos, NG Custodial Microfinance bank (NG)
SpectroCoin hybrid Vilnius, LT Custodial Crypto VASP (Lithuania); e-money IBANs and Visa cards via UAB Pervesk (Bank of Lithuania EMI No. 17)
Startale web3-native Singapore, SG Self-custodial Self-custodial; co-develops Soneium with Sony Block Solutions Labs (Sony Group JV)
STC Bank traditional Riyadh, SA Custodial Digital bank licence (SAMA)
Step traditional Palo Alto, US Custodial Partner bank (Evolve)
Strike hybrid Chicago, US Custodial Money transmitter licences + NY BitLicense (NYDFS, 2026); Zap Solutions, Inc.
Sumeria (Lydia) traditional Paris, FR Custodial E-money institution (Lydia Solutions, ACPR France, CIB 17598); credit-institution licence applied for
Tangem web3-native Zug, CH Self-custodial Self-custodial; funds in a user-controlled smart contract (USDC on Polygon); card by Paera LLC, issued by Third National via Rain
Till Financial traditional Boston, US Custodial Partner bank (Coastal Community Bank); FDIC pass-through; Visa debit cards
Timo traditional Ho Chi Minh, VN Custodial Partner: Ban Viet Bank
Tomorrow traditional Hamburg, DE Custodial Partner bank (Solaris SE, full German banking licence, BaFin-supervised)
Touch 'n Go eWallet traditional Kuala Lumpur, MY Custodial E-money issuer licence (Bank Negara Malaysia)
Trade Republic traditional Berlin, DE Custodial German full banking licence (2023)
True Link traditional San Francisco, US Custodial Partner bank (Sunrise Banks, N.A.); True Link Visa prepaid cards
TrueMoney traditional Bangkok, TH Custodial E-money licence (Bank of Thailand) via Ascend Money; local e-money/payments licences across 7 SEA markets
Trust Bank traditional Singapore, SG Custodial Bank (StanChart x FairPrice)
Trustee Plus hybrid Vilnius, LT Custodial Lithuanian VASP (UAB Trustee Global); pursuing MiCA CASP licence after Jan 2026 wind-down
Tweeq traditional Riyadh, SA Custodial SAMA e-money licence
ueno bank traditional Asunción, PY Custodial Bank licence (PY)
UglyCash web3-native San Juan, PR Custodial US MSB + issuer partners
Uphold hybrid New York, US Custodial FinCEN MSB + state money-transmitter licences (US); FCA-registered cryptoasset firm (UK)
UR hybrid Custodial Swiss fintech banking licence (Art. 1b Banking Act, FINMA; SR Saphirstein AG); tokenized deposits
Varo traditional San Francisco, US Custodial National bank charter (2020)
Venmo hybrid New York, US Custodial PayPal's US state licences (money transmitter, NMLS 910457); crypto via NYDFS trust company PayPal Digital
Vision Bank traditional Riyadh, SA Custodial Full Saudi digital bank licence (SAMA); full operations approved Sep 2025
Vivid Money traditional Berlin, DE Custodial E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025)
Wahed traditional New York, US Custodial SEC-registered investment adviser; broker/custody via Apex Clearing (FINRA/SIPC)
WeFi web3-native Self-custodial Self-custodial software
Weyay traditional Kuwait City, KW Custodial Bank (NBK)
Wio Bank traditional Abu Dhabi, AE Custodial UAE banking licence
Wirex hybrid London, UK Custodial E-money institution (FCA, FRN 902025); crypto via Wirex Digital Services VASP (OAM Italy)
XPlace hybrid Dubai, AE Custodial Self-custodial (non-custodial Solana smart contracts); cards issued via Rain (Signify Holdings) under Visa licence
YAP traditional Dubai, AE Custodial Partner bank (Ruya Community Islamic Bank, CBUAE-licensed; formerly RAKBANK)
ZA Bank traditional Hong Kong, HK Custodial HK virtual bank; SFC-aligned crypto services
Zak traditional Basel, CH Custodial Operates under Bank Cler's Swiss banking licence (FINMA)
ZaloPay traditional Ho Chi Minh City, VN Custodial Licensed payment institution (SBV intermediary payment services licence 04/GP-NHNN); Zion/VNG e-wallet
Zand traditional Dubai, AE Custodial UAE banking licence
Zinli traditional Panama City, PA Custodial Registered e-money issuer (MFTECH S.A.) with Superintendencia de Bancos de Panamá — AML/CFT supervision only
Zopa Bank traditional London, UK Custodial UK banking licence (2020)

Common questions

Neobanks that issue a Visa card: how many are there?

178 of the 368 neobanks tracked here are Visa neobanks. Every entry is verified active and listed on this page with its custody model, licence detail and the regions it serves.

Which are the biggest Visa neobanks?

By self-reported users, GCash, Mercado Pago, Cash App, PicPay and Revolut. Only 11 of these 178 disclose a user figure, so treat any ranking by size as partial rather than complete.

What does this category actually mean?

The network on the card is chosen by whoever issues it, which for most neobanks is a sponsor bank or a BIN sponsor rather than the brand on the app. It matters for acceptance abroad and for which benefits apply, but it tells you nothing about who holds your money.

Related

Neobanks with no card of their own (60) · Neobanks that issue a Mastercard (148) · Neobanks on domestic card networks (16)

go deeperFilter these live in the interactive directory, browse every cut of the dataset, or take the raw fields from data.json.

Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.