OakNorth vs Juni
short answerBoth are traditional neobanks. OakNorth holds its own banking license and pays yield on balances. Compare custody, license, FX markup and fees field by field below.
OakNorth: Profitable SMB lender-bank.
Juni: Multi-currency business accounts and Mastercard cards for e-commerce companies, with invoice credit and ad-platform integrations.
Side by side
| OakNorth | Juni | |
|---|---|---|
| Category | traditional | traditional |
| Audience | SMB & startups | SMB & startups |
| HQ | London, UK | Gothenburg, SE |
| Founded | 2015 | 2020 |
| Custody | Custodial | Custodial |
| Regulation | Licensed bank | E-money institution |
| License detail | Full UK banking license (PRA/FCA, 2015) | EMI licence (Sweden, Finansinspektionen no. 64025); Mastercard principal member |
| Card | No card | MC · Virtual + physical debit + credit |
| Cashback | — | Up to 1% |
| Yield | Competitive savers | — |
| FX markup | — | — |
| Services | — | — |
| Stablecoins | No | No |
| KYC | Yes | Yes |
| Regions | Europe | Europe |
| Reported users | — | — |
go deeperFull profiles: OakNorth · Juni — or run your own comparison of up to four in the directory.
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.