1. What cookies are
Cookies are small text files (and similar browser storage) that a site or its partners place on your device. We keep ours to a minimum and gate everything non-essential behind your consent.
2. Essential storage (no consent needed)
One item is strictly necessary for the consent mechanism itself to work:
| Name | Type | Set by | Lifetime | Purpose |
|---|---|---|---|---|
nbg_consent | localStorage | Neobanks Guide | Until you change it (Cookie settings) or clear your browser data — same for every choice | Remembers your choice for each purpose (analytics, affiliate attribution), so the banner does not reappear. |
This is first-party browser storage, not a transmitted cookie, and stores only your yes/no choice for each of the two purposes. Under EU law it requires no consent.
3. Analytics cookies (consent required)
If — and only if — you allow the Analytics purpose in the consent banner (Accept all, or Analytics under Settings), we load Google Analytics 4 with IP anonymisation. It sets:
| Name | Set by | Lifetime | Purpose |
|---|---|---|---|
_ga | Google Analytics 4 | ~2 years | Distinguishes one device from another (aggregate visitor counts). |
_ga_<id> | Google Analytics 4 | ~2 years | Persists session state for the specific GA4 property. |
4. Affiliate-attribution cookies (separate consent)
If — and only if — you allow the separate Affiliate attribution purpose (Accept all, or Affiliate attribution under Settings), we load the Impact affiliate
tag (impactStat / UTT), which records that a visit reached us so referrals from our
partner links can be attributed. It sets:
| Name | Set by | Lifetime | Purpose |
|---|---|---|---|
IR_MPI | Impact (first-party, on neobanks.guide) | 5 years per Impact (browsers such as Chrome cap it at 400 days) | Identifies your browser so Impact can attribute referrals and impressions from our partner links, including across devices. |
IR_MPS | Impact (first-party) | Session (as observed on our site) |
Set together with IR_MPI as part of Impact's referral and impression tracking;
Impact does not document this cookie individually.
|
IR_gbd | Impact (first-party) | Session | Base-domain cookie the Impact tag uses to track web events on this site. |
brwsr | Impact (third-party, on Impact's own tracking domain) | 365 days | Stores a unique ID so Impact can recognise the browser for referral attribution. |
Nothing loads before you choose. Until you make a choice — and after you click Reject all — this site makes no request to Google, Impact or any other analytics or tracking service, and none of the cookies above are set. Each tag loads only with its own purpose: allowing only Analytics never loads the Impact tag, and allowing only Affiliate attribution never loads Google Analytics. We run no advertising, so Google's advertising signals stay denied even if you allow Analytics. Sources: Google, [GA4] Cookie usage on websites; Impact, impact.com Cookies Explained and Publisher Tag FAQ; Impact privacy policy.
5. Affiliate-network cookies (set by our partners)
When you click an affiliate link, the affiliate network — not us — may set a cookie so it can attribute any resulting sign-up to Neobanks Guide:
| Network | Cookie | Lifetime | Set by | Details |
|---|---|---|---|---|
| Awin | AWC | ~30 days | Awin (not us) | Attributes a sign-up made after you click an Awin-routed link. See the Awin privacy policy. |
| Impact | UTT / click ID | ~30 days | Impact (not us) | Attributes a sign-up made after you click an Impact-routed link. See the Impact privacy policy. |
These cookies are governed by the network's own privacy policy, not ours. We never see your subsequent relationship with the bank.
6. How to opt out
- Decline in the banner. Click Reject all when the consent banner appears — or leave a purpose unticked under Settings — and its cookies are never set.
- Cookie settings. The Cookie settings button at the bottom
of every page reopens the consent banner with both purposes shown as you set them, so you can
change or withdraw each purpose separately at any time. Withdrawing Analytics stops Google Analytics
on the page and deletes the
_gaand_ga_<id>cookies; withdrawing Affiliate attribution deletes theIR_*cookies on this site and reloads the page without the Impact tag (brwsrlives on Impact's domain — remove it in your browser settings). - Browser settings. Every major browser lets you block or delete cookies. Blocking ours does not break any site functionality.
7. Legal basis
We rely on your consent (Art. 6(1)(a) GDPR), given separately for each purpose (analytics; affiliate attribution), for all analytics and tracking cookies. They are set only for a purpose you allowed; declining or ignoring the banner means none are placed. Strictly necessary storage relies on our legitimate interest in operating the site. Full detail is in our Privacy Policy.
Last updated: 6 October 2026.