Meem vs Found.
Meem (M74/100) and Found (F69/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| F Found №39 · FDIC 69 /100 | M Meem №24 · SAMA 74 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 69 /100 | 74 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank SAMA |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €200,000 SA.SAMA-DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.7 ★ iOS 4.8 · And 4.6 | 4.1 ★ iOS 4.2 · And 4.0 |
| Read review → | Read review → | |
Pick Found if…
The tightest 1099-workflow loop in US neobanking — deposit lands → user-defined percentage auto-routes to a Taxes Pocket → quarterly tax estimator computes the federal liability → in-app federal payment closes the loop. Plus and Pro tiers add APY (1.50% capped at $20K / 2.50% uncapped) and Pro layers in 1% cashback on a metal debit card. Sponsor bank migrated from Piermont Bank to Lead Bank in October 2025 — legacy customers should verify their rails have moved.
Pick Meem if…
Digital banking arm of Gulf International Bank — one of the first KSA digital-only banking offerings (launched 2014). Sharia-compliant by structure (profit-share rather than interest). SA Deposit Protection cover via the GIB licence. Distinguishes itself vs. stc Bank by depth of wealth-management access through the GIB private-banking heritage.
- Best for fees Found won 1 of 4
- Best for protection Tied
- Best for reach Meem won 1 of 3
- Best for ux Found won 1 of 2
Meem vs Found — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Found better than Meem?
Found and Meem are tied 3–3 across 12 dimensions under our v3 methodology. Composite scores: Found 69/100 vs Meem 74/100. The right pick depends on which dimension you weight most heavily.
Is Found or Meem cheaper?
Monthly fee — Found: €0; Meem: €0. Card FX markup — Found: 1.00%; Meem: 2.00%. Found wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Found or Meem?
Found holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Meem holds a Full bank licence under SAMA; deposit guarantee per depositor: €200,000. Both score equally on regulatory protection rows.
Where can I use Found and Meem?
Found operates in 1 country; Meem operates in 1 country. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.