بنوك رقمية مجانية،
0 يورو شهريًا.
كل بنك رقمي مدرج في فهرسنا يوفّر باقة مجانية حقيقية — دون رسوم شهرية خفية ودون ترقية إجبارية. مرتّبة بحسب ما تقدّمه الباقة المجانية فعليًا.
01 — الباقات المجانية
74 حسابات مجانية فعلًا.
جميعها برسوم شهرية تساوي 0 يورو. ومع ذلك، لا يزال بعضها يفرض رسومًا على عمليات الصرف الأجنبي، أو على سحوبات الصراف الآلي بعد تجاوز الحد، أو على البطاقات المادية — التفاصيل أدناه.
01
Revolut United Kingdom · DGS-protected
Full bank €100k cover
€0/month
4.7 /5
→
02
N26 Germany · DGS-protected
Full bank €100k cover
€0/month
4.1 /5
→
03
bunq Netherlands · DGS-protected
Full bank €100k cover
€0/month
4.2 /5
→
04
Vivid Money Germany · Safeguarded
E-money No DGS
€0/month
4.15 /5
→
05
Trade Republic Germany · DGS-protected
Full bank €100k cover
€0/month
3.3 /5
→
06
Monzo United Kingdom · DGS-protected
Full bank €100k cover
€0/month
— /5
→
07
Lunar Denmark · DGS-protected
Full bank €100k cover
€0/month
4.6 /5
→
08
Starling Bank United Kingdom · DGS-protected
Full bank €100k cover
€0/month
— /5
→
09
Chime United States · Safeguarded
Payment inst. No DGS
€0/month
4 /5
→
10
Varo Money United States · DGS-protected
Full bank €100k cover
€0/month
4.2 /5
→
11
SoFi United States · DGS-protected
Full bank €100k cover
€0/month
3.6 /5
→
12
Cash App United States · Safeguarded
Payment inst. No DGS
€0/month
1.6 /5
→
13
Mercury United States · Safeguarded
Payment inst. No DGS
€0/month
4.4 /5
→
14
Nubank Brazil · DGS-protected
Full bank €100k cover
€0/month
3.1 /5
→
15
Mercado Pago Argentina · Safeguarded
Payment inst. No DGS
€0/month
1.5 /5
→
16
Banco Inter Brazil · DGS-protected
Full bank €100k cover
€0/month
2.8 /5
→
17
C6 Bank Brazil · DGS-protected
Full bank €100k cover
€0/month
2.9 /5
→
18
Ualá Argentina · Safeguarded
Payment inst. No DGS
€0/month
2.4 /5
→
19
Revolut Singapore Singapore · Safeguarded
Payment inst. No DGS
€0/month
3.8 /5
→
20
GoTyme Philippines · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
21
Tonik Philippines · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
22
K Bank Korea · DGS-protected
Full bank €100k cover
€0/month
— /5
→
23
Kakao Bank Korea · DGS-protected
Full bank €100k cover
€0/month
— /5
→
24
Rakuten Bank Japan · DGS-protected
Full bank €100k cover
€0/month
— /5
→
25
Up Bank Australia · Safeguarded
Payment inst. No DGS
€0/month
4 /5
→
26
Liv. United Arab Emirates · Safeguarded
E-money No DGS
€0/month
— /5
→
27
Mashreq Neo United Arab Emirates · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
28
Kuda Nigeria · Safeguarded
E-money No DGS
€0/month
4 /5
→
29
Opay Nigeria · Safeguarded
E-money No DGS
€0/month
1.5 /5
→
30
TymeBank South Africa · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
31
Wio United Arab Emirates · DGS-protected
Full bank €100k cover
€0/month
— /5
→
32
stc Bank Saudi Arabia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
33
Meem Saudi Arabia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
34
ila Bank Bahrain · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
35
Bank Zero South Africa · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
36
ALAT by Wema Nigeria · DGS-protected
Full bank €100k cover
€0/month
— /5
→
37
Ally Bank United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
38
Discover Bank United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
39
Marcus by Goldman Sachs United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
40
Brex United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
41
Bluevine United States · Safeguarded
Payment inst. No DGS
€0/month
4.5 /5
→
42
Ramp New York · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
43
Rho New York · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
44
Tide London · Safeguarded
Payment inst. No DGS
€0/month
4.3 /5
→
45
Finom Amsterdam · Safeguarded
E-money No DGS
€0/month
4.5 /5
→
46
Aspire Singapore · Safeguarded
Payment inst. No DGS
€0/month
4.3 /5
→
47
Airwallex Melbourne · Safeguarded
Payment inst. No DGS
€0/month
4 /5
→
48
Nubank PJ São Paulo · Safeguarded
Payment inst. No DGS
€0/month
3.8 /5
→
49
Mercado Pago Empresas São Paulo · Safeguarded
Payment inst. No DGS
€0/month
3.5 /5
→
50
Lili United States · Safeguarded
Payment inst. No DGS
€0/month
4.7 /5
→
51
Found United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
52
Novo United States · Safeguarded
Payment inst. No DGS
€0/month
3 /5
→
53
Relay Canada · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
54
Nequi Colombia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
55
Klar Mexico · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
56
Stori Mexico · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
57
RappiPay Colombia · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
58
Banco PAN Brazil · DGS-protected
Full bank €100k cover
€0/month
— /5
→
59
Toss Bank South Korea · DGS-protected
Full bank €100k cover
€0/month
— /5
→
60
Bank Jago Indonesia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
61
WeBank China · DGS-protected
Full bank €100k cover
€0/month
— /5
→
62
Trust Bank Singapore · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
63
Maya Bank Philippines · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
64
YAP United Arab Emirates · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
65
Zand United Arab Emirates · DGS-protected
Full bank €100k cover
€0/month
— /5
→
66
Nomo United Kingdom · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
67
Now Money United Arab Emirates · Safeguarded
E-money No DGS
€0/month
— /5
→
68
Carbon Nigeria · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
69
M-Shwari Kenya · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
70
Chipper Cash Nigeria · Safeguarded
E-money No DGS
€0/month
— /5
→
71
Mukuru South Africa · Safeguarded
E-money No DGS
€0/month
— /5
→
72
Sony Bank Japan · DGS-protected
Full bank €100k cover
€0/month
— /5
→
73
Grasshopper New York · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
74
Cora São Paulo · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
02 — ما لا تعنيه كلمة "مجاني"
الباقة المجانية ≠ كل شيء مجاني.
تنطوي معظم الباقات المجانية على رسوم لكل عملية في حالات تجاوز الحد الشهري لعمليات الصرف الأجنبي، أو تجاوز حد سحوبات الصراف الآلي، أو إصدار بطاقة مادية. فالرسوم الشهرية البالغة 0 يورو حقيقية، أما الرسوم المرتبطة بالاستخدام فهي قائمة فعلًا.