{
  "$schema": "https://schema.org/Dataset",
  "name": "EU Neobank Deposit Protection Dataset 2026",
  "identifier": "neobank-deposit-protection-eu-2026",
  "description": "Per-bank deposit-protection status for the major EU neobanks: licence class, deposit-guarantee scheme, regulator, legal ceiling, HQ jurisdiction, founded year. Sourced from the EBA register and national regulators. Mirrors the on-page tracker at https://neobanks.guide/neobank-deposit-protection-tracker-2026/.",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "attribution": "Neobanks Guide — Stephan Kulik (https://neobanks.guide/about/stephan-kulik/)",
  "source_page": "https://neobanks.guide/neobank-deposit-protection-tracker-2026/",
  "researched_at": "2026-03-11",
  "rows_total": 86,
  "rows": [
    {
      "bank_slug": "revolut",
      "bank_name": "Revolut",
      "bank_url": "https://revolut.com/referrals?r=NOTPSD",
      "review_url": "https://neobanks.guide/revolut-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Bank of Lithuania",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Kingdom",
      "hq_full": "United Kingdom (EU banking via Lithuania)",
      "founded_year": 2015,
      "founded_label": "2015",
      "affiliate_status": "active"
    },
    {
      "bank_slug": "n26",
      "bank_name": "N26",
      "bank_url": "https://n26.com",
      "review_url": "https://neobanks.guide/n26-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "BaFin",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Germany",
      "hq_full": "Germany",
      "founded_year": 2013,
      "founded_label": "2013",
      "affiliate_status": "active"
    },
    {
      "bank_slug": "bunq",
      "bank_name": "bunq",
      "bank_url": "https://www.bunq.com",
      "review_url": "https://neobanks.guide/bunq-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "De Nederlandsche Bank",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Netherlands",
      "hq_full": "Netherlands",
      "founded_year": 2012,
      "founded_label": "2012",
      "affiliate_status": "pending"
    },
    {
      "bank_slug": "wise",
      "bank_name": "Wise",
      "bank_url": "https://wise.prf.hn/l/EQ3Bl50/",
      "review_url": "https://neobanks.guide/wise-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Kingdom",
      "hq_full": "United Kingdom",
      "founded_year": 2011,
      "founded_label": "2011",
      "affiliate_status": "active"
    },
    {
      "bank_slug": "vivid-money",
      "bank_name": "Vivid Money",
      "bank_url": "https://vividmoneyb2b.pxf.io/enrOqX",
      "review_url": "https://neobanks.guide/vivid-money-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Germany",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Germany",
      "hq_full": "Germany",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "active"
    },
    {
      "bank_slug": "qonto",
      "bank_name": "Qonto",
      "bank_url": "https://qonto.com",
      "review_url": "https://neobanks.guide/qonto-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "France",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "France",
      "hq_full": "France",
      "founded_year": 2017,
      "founded_label": "2016",
      "affiliate_status": "pending"
    },
    {
      "bank_slug": "trade-republic",
      "bank_name": "Trade Republic",
      "bank_url": "https://traderepublic.com",
      "review_url": "https://neobanks.guide/trade-republic-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "BaFin · Bundesbank",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Germany",
      "hq_full": "Germany",
      "founded_year": 2015,
      "founded_label": "2015",
      "affiliate_status": "pending"
    },
    {
      "bank_slug": "monzo",
      "bank_name": "Monzo",
      "bank_url": "https://monzo.com",
      "review_url": "https://neobanks.guide/monzo-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Kingdom",
      "hq_full": "United Kingdom (EU hub: Ireland)",
      "founded_year": 2015,
      "founded_label": "2015",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "lunar",
      "bank_name": "Lunar",
      "bank_url": "https://www.lunar.app",
      "review_url": "https://neobanks.guide/lunar-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Finanstilsynet",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Denmark",
      "hq_full": "Denmark",
      "founded_year": 2015,
      "founded_label": "2015",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "starling-bank",
      "bank_name": "Starling Bank",
      "bank_url": "https://www.starlingbank.com",
      "review_url": "https://neobanks.guide/starling-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Kingdom",
      "hq_full": "United Kingdom",
      "founded_year": 2014,
      "founded_label": "2014",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "chime",
      "bank_name": "Chime",
      "bank_url": "https://www.chime.com/",
      "review_url": "https://neobanks.guide/chime-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (San Francisco, CA)",
      "founded_year": 2013,
      "founded_label": "2013",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "varo-money",
      "bank_name": "Varo Money",
      "bank_url": "https://www.varomoney.com/",
      "review_url": "https://neobanks.guide/varo-money-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (San Francisco, CA)",
      "founded_year": 2015,
      "founded_label": "2015",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "sofi",
      "bank_name": "SoFi",
      "bank_url": "https://www.sofi.com/",
      "review_url": "https://neobanks.guide/sofi-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (San Francisco, CA)",
      "founded_year": 2011,
      "founded_label": "2011",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "cash-app",
      "bank_name": "Cash App",
      "bank_url": "https://cash.app/",
      "review_url": "https://neobanks.guide/cash-app-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (San Francisco, CA)",
      "founded_year": 2013,
      "founded_label": "2013",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "mercury",
      "bank_name": "Mercury",
      "bank_url": "https://mercury.com/",
      "review_url": "https://neobanks.guide/mercury-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (San Francisco, CA)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "nubank",
      "bank_name": "Nubank",
      "bank_url": "https://nubank.com.br/",
      "review_url": "https://neobanks.guide/nubank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Brazil",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Brazil",
      "hq_full": "Brazil (São Paulo)",
      "founded_year": 2013,
      "founded_label": "2013",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "mercado-pago",
      "bank_name": "Mercado Pago",
      "bank_url": "https://www.mercadopago.com.ar/",
      "review_url": "https://neobanks.guide/mercado-pago-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Argentina",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Argentina",
      "hq_full": "Argentina (Buenos Aires)",
      "founded_year": 2003,
      "founded_label": "2003",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "banco-inter",
      "bank_name": "Banco Inter",
      "bank_url": "https://www.bancointer.com.br/",
      "review_url": "https://neobanks.guide/banco-inter-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Brazil",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Brazil",
      "hq_full": "Brazil (Belo Horizonte)",
      "founded_year": 1994,
      "founded_label": "1994",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "c6-bank",
      "bank_name": "C6 Bank",
      "bank_url": "https://www.c6bank.com.br/",
      "review_url": "https://neobanks.guide/c6-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Brazil",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Brazil",
      "hq_full": "Brazil (São Paulo)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "ual",
      "bank_name": "Ualá",
      "bank_url": "https://www.uala.com.ar/",
      "review_url": "https://neobanks.guide/ual-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Argentina",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Argentina",
      "hq_full": "Argentina (Buenos Aires)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "revolut-singapore",
      "bank_name": "Revolut Singapore",
      "bank_url": "https://www.revolut.com/sg/",
      "review_url": "https://neobanks.guide/revolut-singapore-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Singapore",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Singapore",
      "hq_full": "Singapore (regional APAC HQ)",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "gotyme",
      "bank_name": "GoTyme",
      "bank_url": "https://www.gotyme.com.ph/",
      "review_url": "https://neobanks.guide/gotyme-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Philippines",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Philippines",
      "hq_full": "Philippines (Manila)",
      "founded_year": 2022,
      "founded_label": "2022",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "tonik",
      "bank_name": "Tonik",
      "bank_url": "https://tonikbank.com/",
      "review_url": "https://neobanks.guide/tonik-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Philippines",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Philippines",
      "hq_full": "Philippines (Manila)",
      "founded_year": 2020,
      "founded_label": "2020",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "k-bank",
      "bank_name": "K Bank",
      "bank_url": "https://www.kbanknow.com/",
      "review_url": "https://neobanks.guide/k-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Korea",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Korea",
      "hq_full": "Korea (Seoul)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "kakao-bank",
      "bank_name": "Kakao Bank",
      "bank_url": "https://www.kakaobank.com/",
      "review_url": "https://neobanks.guide/kakao-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Korea",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Korea",
      "hq_full": "Korea (Seoul)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "rakuten-bank",
      "bank_name": "Rakuten Bank",
      "bank_url": "https://www.rakuten-bank.co.jp/",
      "review_url": "https://neobanks.guide/rakuten-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Japan",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Japan",
      "hq_full": "Japan (Tokyo)",
      "founded_year": 2001,
      "founded_label": "2001",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "up-bank",
      "bank_name": "Up Bank",
      "bank_url": "https://up.com.au/",
      "review_url": "https://neobanks.guide/up-bank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Australia",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Australia",
      "hq_full": "Australia (Melbourne)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "liv",
      "bank_name": "Liv.",
      "bank_url": "https://www.liv.me/",
      "review_url": "https://neobanks.guide/liv-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United Arab Emirates",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Arab Emirates",
      "hq_full": "United Arab Emirates (Dubai)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "mashreq-neo",
      "bank_name": "Mashreq Neo",
      "bank_url": "https://www.mashreqbank.com/uae/en/personal/mashreq-neo",
      "review_url": "https://neobanks.guide/mashreq-neo-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United Arab Emirates",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Arab Emirates",
      "hq_full": "United Arab Emirates (Dubai)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "kuda",
      "bank_name": "Kuda",
      "bank_url": "https://kuda.com/",
      "review_url": "https://neobanks.guide/kuda-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Nigeria",
      "hq_full": "Nigeria (Lagos)",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "opay",
      "bank_name": "Opay",
      "bank_url": "https://opayweb.com/",
      "review_url": "https://neobanks.guide/opay-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Nigeria",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Nigeria",
      "hq_full": "Nigeria (Lagos)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "tymebank",
      "bank_name": "TymeBank",
      "bank_url": "https://www.tymebank.co.za/",
      "review_url": "https://neobanks.guide/tymebank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "South Africa",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "South Africa",
      "hq_full": "South Africa (Johannesburg)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "wio",
      "bank_name": "Wio",
      "bank_url": "https://www.wio.io/",
      "review_url": "https://neobanks.guide/wio-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United Arab Emirates",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Arab Emirates",
      "hq_full": "United Arab Emirates (Abu Dhabi)",
      "founded_year": 2022,
      "founded_label": "2022",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "stc-bank",
      "bank_name": "stc Bank",
      "bank_url": "https://www.stcbank.com.sa/",
      "review_url": "https://neobanks.guide/stc-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Saudi Arabia",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Saudi Arabia",
      "hq_full": "Saudi Arabia (Riyadh)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "meem",
      "bank_name": "Meem",
      "bank_url": "https://www.meem.com/",
      "review_url": "https://neobanks.guide/meem-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Saudi Arabia",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Saudi Arabia",
      "hq_full": "Saudi Arabia (Riyadh)",
      "founded_year": 2014,
      "founded_label": "2014",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "ila-bank",
      "bank_name": "ila Bank",
      "bank_url": "https://www.ilabank.com/",
      "review_url": "https://neobanks.guide/ila-bank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Bahrain",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Bahrain",
      "hq_full": "Bahrain (Manama)",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "discovery-bank",
      "bank_name": "Discovery Bank",
      "bank_url": "https://www.discovery.co.za/bank/",
      "review_url": "https://neobanks.guide/discovery-bank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "South Africa",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "South Africa",
      "hq_full": "South Africa (Sandton, Johannesburg)",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "bank-zero",
      "bank_name": "Bank Zero",
      "bank_url": "https://www.bankzero.co.za/",
      "review_url": "https://neobanks.guide/bank-zero-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "South Africa",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "South Africa",
      "hq_full": "South Africa (Centurion)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "alat-by-wema",
      "bank_name": "ALAT by Wema",
      "bank_url": "https://www.alat.ng/",
      "review_url": "https://neobanks.guide/alat-by-wema-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Nigeria",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Nigeria",
      "hq_full": "Nigeria (Lagos)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "ally-bank",
      "bank_name": "Ally Bank",
      "bank_url": "https://www.ally.com/",
      "review_url": "https://neobanks.guide/ally-bank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (Sandy, Utah)",
      "founded_year": 2009,
      "founded_label": "2009",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "discover-bank",
      "bank_name": "Discover Bank",
      "bank_url": "https://www.discover.com/online-banking/",
      "review_url": "https://neobanks.guide/discover-bank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (Greenwood, Delaware)",
      "founded_year": 1911,
      "founded_label": "1911",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "marcus-by-goldman-sachs",
      "bank_name": "Marcus by Goldman Sachs",
      "bank_url": "https://www.marcus.com/",
      "review_url": "https://neobanks.guide/marcus-by-goldman-sachs-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (New York, NY)",
      "founded_year": 2016,
      "founded_label": "2016",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "brex",
      "bank_name": "Brex",
      "bank_url": "https://www.brex.com/",
      "review_url": "https://neobanks.guide/brex-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (San Francisco, CA)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "bluevine",
      "bank_name": "Bluevine",
      "bank_url": "https://www.bluevine.com/",
      "review_url": "https://neobanks.guide/bluevine-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (Jersey City, NJ)",
      "founded_year": 2013,
      "founded_label": "2013",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "ramp",
      "bank_name": "Ramp",
      "bank_url": "https://ramp.com/",
      "review_url": "https://neobanks.guide/ramp-review/",
      "regulatory_tier": "spend-management",
      "licence_class": "Spend-management platform",
      "deposit_guarantee_scheme_id": null,
      "regulator": "New York",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "New York",
      "hq_full": "New York, NY, United States",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "rho",
      "bank_name": "Rho",
      "bank_url": "https://rho.co/",
      "review_url": "https://neobanks.guide/rho-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "New York",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "New York",
      "hq_full": "New York, NY, United States",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "tide",
      "bank_name": "Tide",
      "bank_url": "https://www.tide.co/",
      "review_url": "https://neobanks.guide/tide-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "London",
      "hq_full": "London, United Kingdom",
      "founded_year": 2015,
      "founded_label": "2015",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "finom",
      "bank_name": "Finom",
      "bank_url": "https://finom.co/",
      "review_url": "https://neobanks.guide/finom-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "De Nederlandsche Bank",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Amsterdam",
      "hq_full": "Amsterdam, Netherlands",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "aspire",
      "bank_name": "Aspire",
      "bank_url": "https://aspireapp.com/",
      "review_url": "https://neobanks.guide/aspire-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Singapore",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Singapore",
      "hq_full": "Singapore",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "airwallex",
      "bank_name": "Airwallex",
      "bank_url": "https://www.airwallex.com/",
      "review_url": "https://neobanks.guide/airwallex-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Melbourne",
      "hq_full": "Melbourne, Australia (Singapore + Hong Kong dual operating HQ)",
      "founded_year": 2015,
      "founded_label": "2015",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "nubank-pj",
      "bank_name": "Nubank PJ",
      "bank_url": "https://nubank.com.br/conta-pj/",
      "review_url": "https://neobanks.guide/nubank-pj-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "São Paulo",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "São Paulo",
      "hq_full": "São Paulo, Brazil",
      "founded_year": 2013,
      "founded_label": "2020",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "mercado-pago-empresas",
      "bank_name": "Mercado Pago Empresas",
      "bank_url": "https://www.mercadopago.com.br/business/empresas",
      "review_url": "https://neobanks.guide/mercado-pago-empresas-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "São Paulo",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "São Paulo",
      "hq_full": "São Paulo, Brazil (regional HQ; MercadoLibre parent in Buenos Aires, Argentina)",
      "founded_year": 2003,
      "founded_label": "2003",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "lili",
      "bank_name": "Lili",
      "bank_url": "https://lili.co/",
      "review_url": "https://neobanks.guide/lili-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (New York, NY)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "found",
      "bank_name": "Found",
      "bank_url": "https://found.com/",
      "review_url": "https://neobanks.guide/found-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (San Francisco, CA)",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "novo",
      "bank_name": "Novo",
      "bank_url": "https://www.novo.co/",
      "review_url": "https://neobanks.guide/novo-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United States",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United States",
      "hq_full": "United States (Miami, FL)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "relay",
      "bank_name": "Relay",
      "bank_url": "https://relayfi.com/",
      "review_url": "https://neobanks.guide/relay-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Canada",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Canada",
      "hq_full": "Canada (Toronto) — US-only banking product",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "nequi",
      "bank_name": "Nequi",
      "bank_url": "https://www.nequi.com.co/",
      "review_url": "https://neobanks.guide/nequi-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Colombia",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Colombia",
      "hq_full": "Colombia (Medellín)",
      "founded_year": 2016,
      "founded_label": "2016",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "klar",
      "bank_name": "Klar",
      "bank_url": "https://www.klar.mx/",
      "review_url": "https://neobanks.guide/klar-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Mexico",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Mexico",
      "hq_full": "Mexico (Mexico City)",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "stori",
      "bank_name": "Stori",
      "bank_url": "https://www.storicard.com/",
      "review_url": "https://neobanks.guide/stori-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Mexico",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Mexico",
      "hq_full": "Mexico (Mexico City)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "rappipay",
      "bank_name": "RappiPay",
      "bank_url": "https://www.rappipay.com.co/",
      "review_url": "https://neobanks.guide/rappipay-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Colombia",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Colombia",
      "hq_full": "Colombia (Bogotá)",
      "founded_year": 2020,
      "founded_label": "2020",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "banco-pan",
      "bank_name": "Banco PAN",
      "bank_url": "https://www.bancopan.com.br/",
      "review_url": "https://neobanks.guide/banco-pan-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Brazil",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Brazil",
      "hq_full": "Brazil (São Paulo)",
      "founded_year": 1969,
      "founded_label": "1969",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "toss-bank",
      "bank_name": "Toss Bank",
      "bank_url": "https://www.tossbank.com/",
      "review_url": "https://neobanks.guide/toss-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "South Korea",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "South Korea",
      "hq_full": "South Korea (Seoul)",
      "founded_year": 2021,
      "founded_label": "2021",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "bank-jago",
      "bank_name": "Bank Jago",
      "bank_url": "https://www.jago.com/",
      "review_url": "https://neobanks.guide/bank-jago-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Indonesia",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Indonesia",
      "hq_full": "Indonesia (Jakarta)",
      "founded_year": 2021,
      "founded_label": "2021",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "webank",
      "bank_name": "WeBank",
      "bank_url": "https://www.webank.com/",
      "review_url": "https://neobanks.guide/webank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "China",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "China",
      "hq_full": "China (Shenzhen)",
      "founded_year": 2014,
      "founded_label": "2014",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "trust-bank",
      "bank_name": "Trust Bank",
      "bank_url": "https://www.trustbank.sg/",
      "review_url": "https://neobanks.guide/trust-bank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Singapore",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Singapore",
      "hq_full": "Singapore",
      "founded_year": 2022,
      "founded_label": "2022",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "maya-bank",
      "bank_name": "Maya Bank",
      "bank_url": "https://www.maya.ph/",
      "review_url": "https://neobanks.guide/maya-bank-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Philippines",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Philippines",
      "hq_full": "Philippines (Manila)",
      "founded_year": 2022,
      "founded_label": "2022",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "yap",
      "bank_name": "YAP",
      "bank_url": "https://www.yap.com/",
      "review_url": "https://neobanks.guide/yap-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United Arab Emirates",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Arab Emirates",
      "hq_full": "United Arab Emirates (Dubai)",
      "founded_year": 2021,
      "founded_label": "2021",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "zand",
      "bank_name": "Zand",
      "bank_url": "https://www.zand.ae/",
      "review_url": "https://neobanks.guide/zand-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United Arab Emirates",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Arab Emirates",
      "hq_full": "United Arab Emirates (Dubai)",
      "founded_year": 2021,
      "founded_label": "2021",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "nomo",
      "bank_name": "Nomo",
      "bank_url": "https://www.nomobank.com/",
      "review_url": "https://neobanks.guide/nomo-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Kingdom",
      "hq_full": "United Kingdom (London)",
      "founded_year": 2021,
      "founded_label": "2021",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "now-money",
      "bank_name": "Now Money",
      "bank_url": "https://www.nowmoney.me/",
      "review_url": "https://neobanks.guide/now-money-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "United Arab Emirates",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "United Arab Emirates",
      "hq_full": "United Arab Emirates (Dubai)",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "carbon",
      "bank_name": "Carbon",
      "bank_url": "https://www.carbon.ng/",
      "review_url": "https://neobanks.guide/carbon-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Nigeria",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Nigeria",
      "hq_full": "Nigeria (Lagos)",
      "founded_year": 2012,
      "founded_label": "2012",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "m-shwari",
      "bank_name": "M-Shwari",
      "bank_url": "https://www.safaricom.co.ke/personal/m-pesa/credit-and-savings/m-shwari",
      "review_url": "https://neobanks.guide/m-shwari-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Kenya",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Kenya",
      "hq_full": "Kenya (Nairobi)",
      "founded_year": 2012,
      "founded_label": "2012",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "chipper-cash",
      "bank_name": "Chipper Cash",
      "bank_url": "https://www.chippercash.com/",
      "review_url": "https://neobanks.guide/chipper-cash-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Nigeria",
      "hq_full": "Nigeria (Lagos)",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "mukuru",
      "bank_name": "Mukuru",
      "bank_url": "https://www.mukuru.com/",
      "review_url": "https://neobanks.guide/mukuru-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "South Africa",
      "hq_full": "South Africa (Cape Town)",
      "founded_year": 2004,
      "founded_label": "2004",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "sony-bank",
      "bank_name": "Sony Bank",
      "bank_url": "https://moneykit.net/",
      "review_url": "https://neobanks.guide/sony-bank-review/",
      "regulatory_tier": "full-bank",
      "licence_class": "Credit institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Japan",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Japan",
      "hq_full": "Japan (Tokyo)",
      "founded_year": 2001,
      "founded_label": "2001",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "statrys",
      "bank_name": "Statrys",
      "bank_url": "https://statrys.com/",
      "review_url": "https://neobanks.guide/statrys-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Hong Kong",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Hong Kong",
      "hq_full": "Hong Kong, Hong Kong",
      "founded_year": 2018,
      "founded_label": "2018",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "memo-bank",
      "bank_name": "Memo Bank",
      "bank_url": "https://memo.bank/",
      "review_url": "https://neobanks.guide/memo-bank-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "ACPR",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Paris",
      "hq_full": "Paris, France",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "anna",
      "bank_name": "Anna",
      "bank_url": "https://anna.money/",
      "review_url": "https://neobanks.guide/anna-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "FCA / PRA",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "London",
      "hq_full": "London, United Kingdom",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "holvi",
      "bank_name": "Holvi",
      "bank_url": "https://www.holvi.com/",
      "review_url": "https://neobanks.guide/holvi-review/",
      "regulatory_tier": "emi",
      "licence_class": "E-money institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Helsinki",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Helsinki",
      "hq_full": "Helsinki, Finland",
      "founded_year": 2011,
      "founded_label": "2011",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "penta",
      "bank_name": "Penta",
      "bank_url": "https://getpenta.com/",
      "review_url": "https://neobanks.guide/penta-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "BaFin",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Berlin",
      "hq_full": "Berlin, Germany",
      "founded_year": 2017,
      "founded_label": "2017",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "grasshopper",
      "bank_name": "Grasshopper",
      "bank_url": "https://grasshopper.bank/",
      "review_url": "https://neobanks.guide/grasshopper-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "New York",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "New York",
      "hq_full": "New York, NY, United States",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "bhub",
      "bank_name": "BHub",
      "bank_url": "https://bhub.com.br/",
      "review_url": "https://neobanks.guide/bhub-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "São Paulo",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "São Paulo",
      "hq_full": "São Paulo, Brazil",
      "founded_year": 2020,
      "founded_label": "2020",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "angellist-stack",
      "bank_name": "AngelList Stack",
      "bank_url": "https://www.angellist.com/stack",
      "review_url": "https://neobanks.guide/angellist-stack-review/",
      "regulatory_tier": "partner-bank",
      "licence_class": "Partner-bank model (FDIC pass-through)",
      "deposit_guarantee_scheme_id": null,
      "regulator": "San Francisco",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "San Francisco",
      "hq_full": "San Francisco, CA, United States",
      "founded_year": 2020,
      "founded_label": "2020",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "cora",
      "bank_name": "Cora",
      "bank_url": "https://www.cora.com.br/",
      "review_url": "https://neobanks.guide/cora-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "São Paulo",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "São Paulo",
      "hq_full": "São Paulo, Brazil",
      "founded_year": 2019,
      "founded_label": "2019",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "conta-azul",
      "bank_name": "Conta Azul",
      "bank_url": "https://contaazul.com/",
      "review_url": "https://neobanks.guide/conta-azul-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Joinville",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Joinville",
      "hq_full": "Joinville, Brazil",
      "founded_year": 2012,
      "founded_label": "2012",
      "affiliate_status": "no_commission"
    },
    {
      "bank_slug": "tiger-bbp",
      "bank_name": "Tiger BBP",
      "bank_url": "https://www.itigerup.com/business",
      "review_url": "https://neobanks.guide/tiger-bbp-review/",
      "regulatory_tier": "payment-institution",
      "licence_class": "Payment institution",
      "deposit_guarantee_scheme_id": null,
      "regulator": "Singapore",
      "ceiling_local": null,
      "ceiling_currency": null,
      "hq_jurisdiction": "Singapore",
      "hq_full": "Singapore (parent: UP Fintech Holding Ltd, NASDAQ: TIGR)",
      "founded_year": 2014,
      "founded_label": "2014",
      "affiliate_status": "no_commission"
    }
  ]
}