Die beste Neobank für Expats in Europa 2026: Der umfassende Leitfaden

The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers

• ✓ Multi-currency accounts in 36+ currencies at interbank rates
• ✓ Spending and ATM withdrawals in 120+ currencies
• ✓ Stock, ETF, and fractional share trading (4,000+ instruments)
• ✓ 280+ cryptocurrencies trading

Europe's second-largest neobank by deposits (€8B+) with the most granular IBAN-per-sub-account architecture; first new fully licensed bank in the Netherlands in 38 years; strong sustainability angle

• ✓ Up to 25 sub-accounts with individual IBANs
• ✓ Multi-currency holdings in 22+ currencies
• ✓ Joint accounts and shared expense splitting
• ✓ AI-powered budgeting (Finn AI assistant)

The global benchmark for transparent, low-cost international transfers — always at the real exchange rate with no hidden markups; 4.3/5 Trustpilot from 220K+ reviews confirms industry-leading trust

• ✓ Hold and convert 40+ currencies at real mid-market exchange rate
• ✓ Local bank account details in 9 currencies (EUR, GBP, USD, AUD, NZD, CAD, SGD, HUF, RON)
• ✓ International Mastercard debit card — spend in local currency at no markup
• ✓ Send money to 160+ countries, starting from 0.43% fee

Full German banking license (BaFin) combined with a sleek mobile-only experience; one of the first fully licensed EU neobanks with €100,000 German deposit protection

• ✓ Real-time spending notifications and categorization (Insights)
• ✓ Spaces sub-accounts for savings goals
• ✓ SEPA Instant transfers
• ✓ Interest-bearing savings (2% p.a. on Metal)