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Updated 21 October 2026

Compare the leading neo banks in EMEA

Fees, features and regulation, side by side. Read the key facts, then open an account directly with the provider.

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2 of 11 providers accept customers in Switzerland

Ranked using the criteria described in our methodology. Commercial relationships do not determine rank order. We compare both banks and non-bank payment and e-money providers, and each listing says which it is. How we rank · Show all countries

1

Wise

Account for holding, sending and spending money in many currencies

International transfers

Wise is a payment and e-money provider, not a bank. Its multi-currency account is built around international money transfers at the mid-market exchange rate with a visible fee. In the UK and the EEA you can hold and convert many currencies, get account details to receive money in major currencies and spend with the Wise debit card. The features you can use depend on where you live. There is no monthly subscription: you pay per transaction.

  • No monthly fee: pay only for what you use
  • Conversion fee varies by currency: from 0.24% in the UK, from 0.2% in Ireland
  • Account details to receive money in major currencies (UK and EEA)
Monthly fee
£0 (UK) / €0 (EEA): no plans or subscriptions
Card
One-time order fee: £7 in the UK, €7 in Ireland; digital card free. Check the price for your country
Currency conversion
Varies by currency: from 0.24% (UK), from 0.2% (Ireland)
ATM withdrawals
UK: free up to £250 a month; 2.69% applies only to the amount above the monthly allowance. Ireland: free up to €250 a month; 2.69% applies only to the amount above the monthly allowance. Other countries: see the Wise app
Available in
UK and EEA: account, account details and card. Israel: transfers, account details and card. UAE: Wise says the Wise account is not available yet. Check Wise for your country
Deposit protection
Safeguarded, not covered by a deposit guarantee (see below)
Prices checked
27 October 2026, on Wise UK and Wise Ireland pricing pages
2

Revolut

Multi-currency app account with a free Standard plan and optional paid plans

Travel & multi-currency

Revolut is a mobile account for everyday spending, budgeting and holding and exchanging many currencies. In the EEA it is provided by Revolut Bank UAB, a Lithuanian bank; in the UK by Revolut Bank UK Ltd. The free Standard plan covers the basics, and paid plans add higher exchange and ATM allowances, insurance and other extras.

  • Hold, exchange and spend in multiple currencies in the app
  • Free Standard plan; paid plans from €3.99/month (EEA)
  • Card controls in the app: freeze, limits and virtual cards
Monthly fee
Standard €0 · Plus €3.99 · Premium €9.99 · Metal €17.99 · Ultra €55 (Ireland prices)
Card
Visa or Mastercard debit, physical and virtual
Currency exchange
Standard: no extra fee on weekdays up to €1,000/month, then 1%; +1% at weekends
ATM withdrawals
Standard: free up to €200 or 5 withdrawals/month, then 2% (min €1)
Available in
EEA, UK, Switzerland and other markets
Minimum age
18+ (separate accounts for 6–17)

Not available in Switzerland

These providers do not currently accept customers living in Switzerland.

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