Edition №07 Edición №07 · Actualizado · 11 de marzo de 2026
Los
60 neobancos de la UE, clasificados honestamente.,
Una vez por trimestre.
Investigación independiente de cada banco digital con licencia en la Unión Europea — evaluados por regulación, comisiones, UX y protección. Sin colocaciones patrocinadas.
01
01 — La clasificación
60 bancos. Seis dimensiones. Una nota. Cada banco puntuado sobre 100 — regulación, comisiones, UX, funciones, reseñas. Pesos publicados; metodología detallada.
01
Revolut United Kingdom
Full bank Bank of Lithuania
Free Standard
99 /100
→
02
Lunar Denmark
Full bank Finanstilsynet
Free Standard
98 /100
→
03
Mercury United States
Payment inst. United States
Free Standard
95 /100
→
04
Qonto France
Payment inst. France
€9 /month
94 /100
→
05
Varo Money United States
Full bank United States
Free Standard
94 /100
→
06
N26 Germany
Full bank BaFin
Free Standard
93 /100
→
07
Chime United States
Payment inst. United States
Free Standard
92 /100
→
08
Wise United Kingdom
E-money inst. FCA / PRA
€0 /month
91 /100
→
09
Vivid Money Germany
E-money inst. Germany
Free Standard
90 /100
→
10
Kuda Nigeria
E-money inst. FCA / PRA
Free Standard
90 /100
→
11
SoFi United States
Full bank United States
Free Standard
89 /100
→
12
bunq Netherlands
Full bank De Nederlandsche Bank
Free Standard
88 /100
→
13
Up Bank Australia
Payment inst. Australia
Free Standard
88 /100
→
14
Toss Bank South Korea
Full bank South Korea
Free Standard
88 /100
→
15
Kakao Bank Korea
Full bank Korea
Free Standard
87 /100
→
16
stc Bank Saudi Arabia
Full bank Saudi Arabia
Free Standard
87 /100
→
17
Bank Jago Indonesia
Full bank Indonesia
Free Standard
87 /100
→
18
WeBank China
Full bank China
Free Standard
87 /100
→
19
Nubank Brazil
Full bank Brazil
Free Standard
86 /100
→
20
ALAT by Wema Nigeria
Full bank Nigeria
Free Standard
86 /100
→
21
Nequi Colombia
Full bank Colombia
Free Standard
86 /100
→
22
Banco PAN Brazil
Full bank Brazil
Free Standard
86 /100
→
23
Revolut Singapore Singapore
Payment inst. Singapore
Free Standard
85 /100
→
24
Brex United States
Payment inst. United States
Free Standard
85 /100
→
25
Bluevine United States
Payment inst. United States
Free Standard
85 /100
→
26
Trade Republic Germany
Full bank BaFin · Bundesbank
Free Standard
84 /100
→
27
Mukuru South Africa
E-money inst. FCA / PRA
Free Standard
84 /100
→
28
GoTyme Philippines
Payment inst. Philippines
Free Standard
83 /100
→
29
Wio United Arab Emirates
Full bank United Arab Emirates
Free Standard
83 /100
→
30
Discover Bank United States
Payment inst. United States
Free Standard
83 /100
→
31
Zand United Arab Emirates
Full bank United Arab Emirates
Free Standard
83 /100
→
32
Chipper Cash Nigeria
E-money inst. FCA / PRA
Free Standard
83 /100
→
33
Meem Saudi Arabia
Full bank Saudi Arabia
Free Standard
82 /100
→
34
Ally Bank United States
Payment inst. United States
Free Standard
82 /100
→
35
Trust Bank Singapore
Payment inst. Singapore
Free Standard
82 /100
→
36
YAP United Arab Emirates
Payment inst. United Arab Emirates
Free Standard
82 /100
→
37
Monzo United Kingdom
Full bank FCA / PRA
Free Standard
81 /100
→
38
Starling Bank United Kingdom
Full bank FCA / PRA
Free Standard
81 /100
→
39
Tonik Philippines
Payment inst. Philippines
Free Standard
81 /100
→
40
Liv. United Arab Emirates
E-money inst. United Arab Emirates
Free Standard
81 /100
→
41
Marcus by Goldman Sachs United States
Payment inst. United States
Free Standard
81 /100
→
42
C6 Bank Brazil
Full bank Brazil
Free Standard
80 /100
→
43
Discovery Bank South Africa
Payment inst. South Africa
—
80 /100
→
44
Bank Zero South Africa
Payment inst. South Africa
Free Standard
80 /100
→
45
Stori Mexico
Payment inst. Mexico
Free Standard
80 /100
→
46
Maya Bank Philippines
Payment inst. Philippines
Free Standard
80 /100
→
47
Banco Inter Brazil
Full bank Brazil
Free Standard
79 /100
→
48
TymeBank South Africa
Payment inst. South Africa
Free Standard
79 /100
→
49
Klar Mexico
Payment inst. Mexico
Free Standard
79 /100
→
50
Carbon Nigeria
Payment inst. Nigeria
Free Standard
79 /100
→
51
M-Shwari Kenya
Payment inst. Kenya
Free Standard
79 /100
→
52
RappiPay Colombia
Payment inst. Colombia
Free Standard
78 /100
→
53
Nomo United Kingdom
Payment inst. FCA / PRA
Free Standard
78 /100
→
54
Now Money United Arab Emirates
E-money inst. United Arab Emirates
Free Standard
78 /100
→
55
Mashreq Neo United Arab Emirates
Payment inst. United Arab Emirates
Free Standard
77 /100
→
56
ila Bank Bahrain
Payment inst. Bahrain
Free Standard
77 /100
→
57
Ualá Argentina
Payment inst. Argentina
Free Standard
70 /100
→
58
Cash App United States
Payment inst. United States
Free Standard
68 /100
→
59
Opay Nigeria
E-money inst. Nigeria
Free Standard
63 /100
→
60
Mercado Pago Argentina
Payment inst. Argentina
Free Standard
62 /100
→
23/60
Tienen garantía completa de depósitos de 100 000 €. Los otros 37 operan bajo regímenes de safeguarding que no son seguro de depósitos.
80.00%
Mejor tipo de ahorro en EUR actualmente disponible en el índice, vinculado al BCE y totalmente protegido por DGS.
€0
Lo que pagas por abrir una cuenta en 57 de los 60 principales. El precio casi nunca es el factor diferenciador.
02
04 — Protección de depósitos
Los 100 000 € no están garantizados en todos los bancos. DGS completo en algunos, safeguarding en otros. La distinción más malinterpretada del neobanco.
DGS completo · 100 000 €
Revolut United Kingdom
N26 Germany
bunq Netherlands
Trade Republic Germany
Monzo United Kingdom
Lunar Denmark
Starling Bank United Kingdom
Varo Money United States
SoFi United States
Nubank Brazil
Banco Inter Brazil
C6 Bank Brazil
Kakao Bank Korea
Wio United Arab Emirates
stc Bank Saudi Arabia
Meem Saudi Arabia
ALAT by Wema Nigeria
Nequi Colombia
Banco PAN Brazil
Toss Bank South Korea
Bank Jago Indonesia
WeBank China
Zand United Arab Emirates
Solo safeguarding · no asegurado Abrir el tracker completo → →
Wise E-money
Vivid Money E-money
Qonto Payment inst.
Chime Payment inst.
Cash App Payment inst.
Mercury Payment inst.
Mercado Pago Payment inst.
Ualá Payment inst.
Revolut Singapore Payment inst.
GoTyme Payment inst.
Tonik Payment inst.
Up Bank Payment inst.
Liv. E-money
Mashreq Neo Payment inst.
Kuda E-money
Opay E-money
TymeBank Payment inst.
ila Bank Payment inst.
Discovery Bank Payment inst.
Bank Zero Payment inst.
Ally Bank Payment inst.
Discover Bank Payment inst.
Marcus by Goldman Sachs Payment inst.
Brex Payment inst.
Bluevine Payment inst.
Klar Payment inst.
Stori Payment inst.
RappiPay Payment inst.
Trust Bank Payment inst.
Maya Bank Payment inst.
YAP Payment inst.
Nomo Payment inst.
Now Money E-money
Carbon Payment inst.
M-Shwari Payment inst.
Chipper Cash E-money
Mukuru E-money
03
02 — Mejores para
Elige según lo que realmente necesitas.
Para viajeros
Multidivisa sin margen oculto.
Revolut Metal, Wise Multi-Currency, bunq Pro. Cupos FX, acceso a salas VIP y el tema del IBAN lituano.
Para ahorradores
Donde tus euros inactivos rinden más.
Trade Republic, Revolut Ultra, Lightyear. Tracker completo de tipos de interés, actualizado semanalmente.
Para freelancers
Cuentas empresariales que no te sangran.
Qonto, Wise Business, N26 Business. Facturación multidivisa, integraciones contables, recibos adecuados.
Para cripto
Tras MiCA: quién tiene licencia de verdad.
280 monedas en Revolut, 50 en Trade Republic. Qué otorga una licencia CASP — y qué no.
04 — 05 — Confianza
Nos pagan cuando abres una cuenta. No cambiamos la clasificación por ello.
Parte de los bancos que seguimos nos paga una comisión por referencia (28–60 €). La puntuación es la misma, paguen o no. El registro completo es público y está fechado.
Ver la metodología → →