Pockit vs Nickel
short answerBoth are traditional neobanks with similar positioning — the real differences are FX markup, fees, license and geography, compared field by field below.
Pockit: Accounts for the underbanked; absorbed Monese users.
Nickel: Open an account at the tabac; 4M+ across FR/ES/BE/PT/DE.
Side by side
| Pockit | Nickel | |
|---|---|---|
| Category | traditional | traditional |
| Audience | underbanked | underbanked |
| HQ | London, UK | Paris, FR |
| Founded | 2014 | 2014 |
| Custody | Custodial | Custodial |
| Regulation | E-money institution | Partner-bank model |
| License detail | E-money via FCA-authorised EMIs (Modulr, PSI-Pay); owns Monese's EMI license | Payment institution (Financière des Paiements Électroniques, ACPR no. 16598); BNP Paribas subsidiary |
| Card | MC · Prepaid | MC · Debit |
| Cashback | — | — |
| Yield | — | — |
| FX markup | — | — |
| Services | — | — |
| Stablecoins | No | No |
| KYC | Yes | Yes |
| Regions | Europe | Europe |
| Reported users | — | — |
go deeperFull profiles: Pockit · Nickel — 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.