Neobanks available in Europe
short answer139 of the 368 neobanks tracked here serve customers in Europe. Availability, not headquarters: a neobank appears here if it serves customers in Europe, wherever it is based. The largest by disclosed users are Revolut, Wise, Phantom and Monzo; all 139 are listed below with custody, licence and geography.
Availability, not headquarters: a neobank appears here if it serves customers in Europe, wherever it is based. Multi-region players are counted in every region they operate in, so these counts overlap by design.
All 139 neobanks in Europe
| neobank | type | hq | custody | licence / structure | reported users |
|---|---|---|---|---|---|
| Revolut | hybrid | London, UK | Custodial | UK banking licence (2024); EU licence (Lithuania) | 50M customers (2025) |
| Wise | traditional | London, UK | Custodial | E-money/payment licences globally | 19M customers (FY26) |
| Phantom | web3-native | San Francisco, US | Self-custodial | Self-custodial software | 15M MAU (2025) |
| Monzo | traditional | London, UK | Custodial | UK banking licence | 12M customers (2025) |
| 1inch Card | web3-native | Dubai, AE | Self-custodial | Self-custodial; card via Baanx/Crypto Life | — |
| Algbra | traditional | London, UK | Custodial | E-money institution (FCA, FRN 952360, UK) | — |
| Allica Bank | traditional | Milton Keynes, UK | Custodial | Full UK banking licence (PRA/FCA authorised) | — |
| 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 | — |
| ANNA Money | traditional | Cardiff, UK | Custodial | E-money | — |
| Atom Bank | traditional | Durham, UK | Custodial | UK banking licence | — |
| Avalanche Card | web3-native | — | Self-custodial | Self-custodial; issuer partners | — |
| Avici | web3-native | — | Self-custodial | Self-custodial software | — |
| 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) | — |
| Bitpanda | hybrid | Vienna, AT | Custodial | MiCA (AT); BaFin licences | — |
| Bleap | web3-native | London, UK | MPC self-custodial | MPC self-custody; MC principal member | — |
| 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) | — |
| Brighty | hybrid | Baar (Zug), CH | Custodial | Razz Finanzz AG (CH); crypto via Polish VASP registration (Wireflexion); fiat, IBANs and cards via BaaS partners | — |
| buddybank | traditional | Milan, IT | Custodial | UniCredit S.p.A. digital service — operates under UniCredit's Italian banking licence (ECB supervised) | — |
| bunq | traditional | Amsterdam, NL | Custodial | Dutch banking licence | — |
| Bybit Card | hybrid | Dubai, AE | Custodial | VARA (Dubai) + regional | — |
| C24 Bank | traditional | Frankfurt, DE | Custodial | Full German banking licence (BaFin); CHECK24 subsidiary | — |
| CEX.IO Card | hybrid | London, UK | Custodial | MSB (FinCEN) + US state money-transmitter licences; UK FCA cryptoasset registration; EU VASP (Lithuania) | — |
| 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) | — |
| COCA | hybrid | Dubai, AE | MPC self-custodial | MPC self-custody; e-money card partners (UK/EU) | — |
| Crypto.com | hybrid | Singapore, SG | Custodial | MiCA CASP, MAS MPI, US MSBs | — |
| Curve | traditional | London, UK | Custodial | E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania) | — |
| Cypher | web3-native | — | Self-custodial | Self-custodial; principal card programs | — |
| Daimo | web3-native | New York, US | Self-custodial | Open-source self-custodial software | — |
| Deblock | web3-native | Paris, FR | Mixed (fiat custodial + self-custody crypto) | PSAN + payment institution (ACPR) | — |
| Deel | hybrid | San Francisco, US | Custodial | MSB + US state money-transmitter licences (DPayments); US wallet via Alviere/CFSB; DLUSD via Bridge | — |
| Enpara | traditional | Istanbul, TR | Custodial | Bank (QNB Finansbank) | — |
| 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) | — |
| Exa | web3-native | Buenos Aires, AR | Self-custodial | DeFi protocol (Exactly); card via partners | — |
| Exodus | web3-native | Omaha, US | Self-custodial | Self-custodial software | — |
| 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 | — |
| Flowe | traditional | Milan, IT | Custodial | E-money institution (IMEL, Bank of Italy, 2019); founded by Banca Mediolanum | — |
| Fortuneo | traditional | Brest, FR | Custodial | Crédit Mutuel Arkéa banking licence (ACPR, France); brand of the group's online bank | — |
| 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 | — |
| Hello bank! | traditional | Paris, FR | Custodial | Operates under BNP Paribas' French banking licence (direct-bank brand) | — |
| Holyheld | web3-native | London, UK | Self-custodial | E-money partners (EU); non-custodial top-ups | — |
| Hype | traditional | Milan, IT | Custodial | E-money institution (IMEL, Banca d'Italia); being merged into Banca Sella (2026) | — |
| Hyperbeat | web3-native | — | Self-custodial | Self-custodial smart accounts (HyperEVM); Paxos Labs stablecoin infra | — |
| imagin | traditional | Barcelona, ES | Custodial | Operates under CaixaBank's Spanish banking licence (ECB/Bank of Spain supervised) | — |
| indó | traditional | Reykjavík, IS | Custodial | Icelandic banking licence | — |
| Indy | traditional | Lyon, FR | Custodial | Accounts via Swan, ACPR-licensed e-money institution (France); French IBAN | — |
| Infini | web3-native | — | Self-custodial | Self-custodial software | — |
| isybank | traditional | Milan, IT | Custodial | Own Italian banking licence (Intesa Sanpaolo group; ECB/Banca d'Italia supervised) | — |
| Karta | web3-native | Redwood City, US | MPC self-custodial | Self-custodial (MPC via Privy); Visa issued by Rain | — |
| Kaspi | traditional | Almaty, KZ | Custodial | Kazakh banking licence | — |
| KAST | hybrid | Hong Kong, HK | Custodial | Runs on licensed partners' rails: custody via BitGo/Fireblocks, Visa cards via licensed issuers; not a bank | — |
| Kestrl | traditional | London, UK | Custodial | Accounts and cards issued by AF Payments Ltd, FCA-authorised e-money institution (FRN 900440) | — |
| 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 | — |
| Kontist | traditional | Berlin, DE | Custodial | Partner bank (Solaris SE, BaFin-licensed); German IBAN accounts | — |
| Krak | hybrid | San Francisco, US | Custodial | US state licences; MiCA (EU) | — |
| Kroo | traditional | London, UK | Custodial | UK banking licence | — |
| KuCard | hybrid | — | Custodial | Card issued by Wallester AS (Estonian payment institution); KuCoin EU holds Austrian MiCA CASP licence | — |
| Lunar | traditional | Aarhus, DK | Custodial | Danish banking licence | — |
| MetaMask | web3-native | Consensys (global) | Self-custodial | Self-custodial software — no banking licence needed; card via licensed issuer partners | — |
| Mine | web3-native | Zug, CH | Self-custodial | Self-custodial software (EMM Ventures AG, Zug); card via Unblock Atomo SARL, EEA e-money institution; IBAN via regulated Swiss intermediary | — |
| Moneco | traditional | Paris, FR | Custodial | Accounts and cards via regulated EMI partners (Europe/US); Moneco Canada registered with FINTRAC | — |
| Monese | traditional | London, UK | Custodial | FCA-authorised e-money institution (FRN 900960); UK accounts as agent of PrePay Technologies; owned by Pockit | — |
| Monobank | traditional | Kyiv, UA | Custodial | Operates on Universal Bank licence | — |
| Moon | web3-native | — | Self-custodial | Self-custodial software | — |
| MyInvestor | traditional | Madrid, ES | Custodial | Own Spanish banking licence (MyInvestor Banco S.A., Banco de España no. 1544; Andbank group); CNMV supervised | — |
| N26 | traditional | Berlin, DE | Custodial | German banking licence | — |
| neon | traditional | Zurich, CH | Custodial | Partner: Hypothekarbank Lenzburg | — |
| Nexo | hybrid | Zug, CH | Custodial | EU VASP registrations; MiCA CASP application pending; EEA served via MiCA-licensed Tangany + DLT Finance | — |
| Nickel | traditional | Paris, FR | Custodial | Payment institution (Financière des Paiements Électroniques, ACPR no. 16598); BNP Paribas subsidiary | — |
| Northmill | traditional | Stockholm, SE | Custodial | Swedish banking licence (Finansinspektionen, since 2019) | — |
| OakNorth | traditional | London, UK | Custodial | Full UK banking licence (PRA/FCA, 2015) | — |
| OKX Card | hybrid | — | Custodial | VARA, MiCA (Malta) | — |
| Oobit | web3-native | Singapore, SG | Self-custodial | Self-custodial software | — |
| Openbank | traditional | Madrid, ES | Custodial | Full banking licence within Santander Group (ECB/Bank of Spain); US via Santander Bank N.A. | — |
| Papara | traditional | Istanbul, TR | Custodial | E-money institution (CBRT, Turkey); licence revoked Oct 2025, reinstated under state trusteeship | — |
| Paysera | traditional | Vilnius, LT | Custodial | E-money institution licence (Bank of Lithuania, 2012); EEA passported | — |
| Payy | web3-native | New York, US | Self-custodial | Self-custodial ZK L2; card via issuer partners | — |
| Peanut | web3-native | Zug, CH | Self-custodial | Open-source protocol; no custody | — |
| Pixpay | traditional | Paris, FR | Custodial | E-money distributor — agent of Treezor (ACPR-licensed EMI, Société Générale group); acquired by GoHenry/Acorns | — |
| 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 | — |
| Pockit | traditional | London, UK | Custodial | E-money via FCA-authorised EMIs (Modulr, PSI-Pay); owns Monese's EMI licence | — |
| Qonto | traditional | Paris, FR | Custodial | Payment institution (ACPR); pursuing credit licence | — |
| Rainbow | web3-native | New York, US | Self-custodial | Self-custodial software | — |
| 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) | — |
| Rizon | web3-native | — | Self-custodial | Self-custodial software | — |
| Rocker | traditional | Stockholm, SE | Custodial | Operates under Bankaktiebolaget Nordiska's Swedish banking licence (Finansinspektionen); own PI licence returned Sep 2025 | — |
| SafePal | web3-native | Singapore, SG | Self-custodial | Self-custodial software | — |
| Salt Bank | traditional | Bucharest, RO | Custodial | Bank (Banca Transilvania) | — |
| Shine | traditional | Paris, FR | Custodial | Payment institution (ACPR n°71758, France); funds safeguarded at Société Générale | — |
| Sling Money | web3-native | London, UK | Self-custodial | Self-custodial software | — |
| Snappi | traditional | Athens, GR | Custodial | Full ECB banking licence (via Bank of Greece, Jun 2024); Piraeus-backed digital bank | — |
| 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 | — |
| SpectroCoin | hybrid | Vilnius, LT | Custodial | Crypto VASP (Lithuania); e-money IBANs and Visa cards via UAB Pervesk (Bank of Lithuania EMI No. 17) | — |
| Starling Bank | traditional | London, UK | Custodial | UK banking licence | — |
| Strike | hybrid | Chicago, US | Custodial | Money transmitter licences + NY BitLicense (NYDFS, 2026); Zap Solutions, Inc. | — |
| Suits Me | traditional | Cheshire, UK | Custodial | E-money accounts issued by PrePay Technologies (FCA EMI, FRN 900010); Suits Me acts as agent/programme manager | — |
| Sumeria (Lydia) | traditional | Paris, FR | Custodial | E-money institution (Lydia Solutions, ACPR France, CIB 17598); credit-institution licence applied for | — |
| Superform | web3-native | — | Self-custodial | Self-custodial software | — |
| T-Bank | traditional | Moscow, RU | Custodial | Russian banking licence | — |
| Tandem Bank | traditional | London, UK | Custodial | UK banking licence | — |
| 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 | — |
| Tap Global | hybrid | London, UK | Custodial | Gibraltar DLT/VASP licence (GFSC, No. 25532); cards via Transact Payments EMI | — |
| TBC UZ | traditional | Tashkent, UZ | Custodial | Bank (TBC Group) | — |
| Tide | traditional | London, UK | Custodial | E-money; deposits via ClearBank | — |
| Tinaba | traditional | Milan, IT | Custodial | Partner bank (Banca Profilo, Bank of Italy register no. 5271); Tinaba is the tech layer | — |
| Tomorrow | traditional | Hamburg, DE | Custodial | Partner bank (Solaris SE, full German banking licence, BaFin-supervised) | — |
| Trade Republic | traditional | Berlin, DE | Custodial | German full banking licence (2023) | — |
| Tria | web3-native | — | Self-custodial | Self-custodial software | — |
| Trust Wallet | web3-native | — | Self-custodial | Self-custodial software | — |
| Trustee Plus | hybrid | Vilnius, LT | Custodial | Lithuanian VASP (UAB Trustee Global); pursuing MiCA CASP licence after Jan 2026 wind-down | — |
| 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 | — |
| Uzum | traditional | Tashkent, UZ | Custodial | Bank licence (UZ) | — |
| Veera | web3-native | Singapore, SG | Self-custodial | Self-custodial; passkey-secured non-exportable keys | — |
| Vivid Money | traditional | Berlin, DE | Custodial | E-money institution (Vivid Money S.A., CSSF Luxembourg + DNB branch); AFM investment firm; MiCAR CASP (2025) | — |
| WeFi | web3-native | — | Self-custodial | Self-custodial software | — |
| Wirex | hybrid | London, UK | Custodial | E-money institution (FCA, FRN 902025); crypto via Wirex Digital Services VASP (OAM Italy) | — |
| Xapo Bank | hybrid | Gibraltar | Custodial | Gibraltar banking licence | — |
| XPlace | hybrid | Dubai, AE | Custodial | Self-custodial (non-custodial Solana smart contracts); cards issued via Rain (Signify Holdings) under Visa licence | — |
| xPortal | web3-native | Sibiu, RO | Self-custodial | Self-custodial software | — |
| Xverse | web3-native | London, UK | Self-custodial | Self-custodial software | — |
| Yuh | hybrid | Gland, CH | Custodial | On Swissquote's banking licence | — |
| Zak | traditional | Basel, CH | Custodial | Operates under Bank Cler's Swiss banking licence (FINMA) | — |
| Zempler Bank | traditional | London, UK | Custodial | Full UK banking licence (PRA/FCA, Feb 2021, ex-Cashplus); FSCS-protected | — |
| ZEN.com | traditional | Vilnius, LT | Custodial | E-money institution (Bank of Lithuania, LB000457, 2018) | — |
| Zengo | web3-native | Tel Aviv, IL | MPC self-custodial | MPC self-custody; no seed phrase | — |
| Zopa Bank | traditional | London, UK | Custodial | UK banking licence (2020) | — |
Common questions
Neobanks available in Europe: how many are there?
139 of the 368 neobanks tracked here serve customers in Europe. 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 neobanks in Europe?
By self-reported users, Revolut, Wise, Phantom and Monzo. Only 4 of these 139 disclose a user figure, so treat any ranking by size as partial rather than complete.
What does this category actually mean?
Availability, not headquarters: a neobank appears here if it serves customers in Europe, wherever it is based. Multi-region players are counted in every region they operate in, so these counts overlap by design.
Related
Neobanks available in North America (119) · Neobanks available in Asia (128) · Neobanks available in Oceania (68) · Neobanks available in Latin America (108) · Neobanks available in Africa (88) · Neobanks available in MENA (79)
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.