Investigación / Garantía de depósitos / Deposit protection Última verificación 11 de marzo de 2026
Garantía de depósitos,
banco por banco.
Qué neobancos del mundo que seguimos tienen realmente cobertura legal de garantía de depósitos — y cuáles solo "safeguardan" su dinero. Una sola página, cada región, siempre actualizada.
Asegurado · garantía legal
41/85
De los 85 neobancos que seguimos, 41 son entidades de crédito con garantía legal de depósitos en su jurisdicción de origen.
Solo safeguarding
40/85
Entidades de dinero electrónico y de pago. El dinero está segregado en un banco custodio, pero no asegurado.
Tope DGS UE
€100k
Por depositante, por entidad de crédito autorizada — armonizado en la UE bajo la DGSD. Otras regiones difieren: FDIC EE. UU. 250 k$, Japón DICJ 10 M¥.
Jurisdicciones cubiertas
35
De la UE y el Reino Unido a EE. UU., Brasil, Japón, Singapur y el Golfo — cada jurisdicción con su propio esquema.
01
01 — El tracker
Los 85, en una tabla. Clase de licencia, regulador, nombre del esquema y el tope real que recibiría en caso de fallo. Filtrar por estado.
| Banco | Licencia | Tope | Esquema | Regulador | Estado |
|---|---|---|---|---|---|
| Revolut United Kingdom · 2015 | Credit institution | 100.000 € Per depositor | VĮ Indėlių ir investicijų draudimas LT · DGS | Bank of Lithuania | Asegurado |
| N26 Germany · 2013 | Credit institution | 100.000 € Per depositor | Entschädigungseinrichtung deutscher Banken DE · EdB | BaFin | Asegurado |
| bunq Netherlands · 2012 | Credit institution | 100.000 € Per depositor | De Nederlandsche Bank — DGS NL · DNB-DGS | De Nederlandsche Bank | Asegurado |
| Wise United Kingdom · 2011 | E-money institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Safeguarding |
| Vivid Money Germany · 2019 | E-money institution | Not insured Safeguarded at custody | Entschädigungseinrichtung deutscher Banken DE · EdB | Germany | Safeguarding |
| Qonto France · 2017 | Payment institution | Not insured Safeguarded at custody | Fonds de Garantie des Dépôts FR · FGDR | France | Híbrido |
| Trade Republic Germany · 2015 | Credit institution | 100.000 € Per depositor | Entschädigungseinrichtung deutscher Banken DE · EdB | BaFin · Bundesbank | Asegurado |
| Monzo United Kingdom · 2015 | Credit institution | 100.000 € Per depositor | Irish Deposit Guarantee Scheme IE · DGS | FCA / PRA | Asegurado |
| Lunar Denmark · 2015 | Credit institution | 100.000 € Per depositor | Garantiformuen DK · GF | Finanstilsynet | Asegurado |
| Starling Bank United Kingdom · 2014 | Credit institution | 120.000 GBP Per depositor | FSCS (UK) UK · FSCS | FCA / PRA | Asegurado |
| Chime United States · 2013 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Varo Money United States · 2015 | Credit institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| SoFi United States · 2011 | Credit institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Cash App United States · 2013 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Mercury United States · 2017 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Nubank Brazil · 2013 | Credit institution | 250.000 BRL Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Asegurado |
| Mercado Pago Argentina · 2003 | Payment institution | Not insured Safeguarded at custody | Seguro de Depósitos Sociedad Anónima AR · SEDESA | Argentina | Híbrido |
| Banco Inter Brazil · 1994 | Credit institution | 250.000 BRL Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Asegurado |
| C6 Bank Brazil · 2018 | Credit institution | 250.000 BRL Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Asegurado |
| Ualá Argentina · 2017 | Payment institution | Not insured Safeguarded at custody | Seguro de Depósitos Sociedad Anónima AR · SEDESA | Argentina | Híbrido |
| Revolut Singapore Singapore · 2019 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Híbrido |
| GoTyme Philippines · 2022 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Híbrido |
| Tonik Philippines · 2020 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Híbrido |
| K Bank Korea · 2017 | Credit institution | 100.000.000 KRW Per depositor | Korea Deposit Insurance Corporation KR · KDIC | Korea | Asegurado |
| Kakao Bank Korea · 2017 | Credit institution | 100.000.000 KRW Per depositor | Korea Deposit Insurance Corporation KR · KDIC | Korea | Asegurado |
| Rakuten Bank Japan · 2001 | Credit institution | 10.000.000 JPY Per depositor | Deposit Insurance Corporation of Japan JP · DICJ | Japan | Asegurado |
| Up Bank Australia · 2018 | Payment institution | Not insured Safeguarded at custody | Financial Claims Scheme AU · FCS | Australia | Híbrido |
| Liv. United Arab Emirates · 2017 | E-money institution | Not insured Safeguarded at custody | No statutory deposit-guarantee scheme AE · no DGS | United Arab Emirates | Safeguarding |
| Mashreq Neo United Arab Emirates · 2017 | Payment institution | Not insured Safeguarded at custody | No statutory deposit-guarantee scheme AE · no DGS | United Arab Emirates | Híbrido |
| Kuda Nigeria · 2019 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | FCA / PRA | Safeguarding |
| Opay Nigeria · 2018 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Safeguarding |
| TymeBank South Africa · 2018 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Híbrido |
| Wio United Arab Emirates · 2022 | Credit institution | Sin régimen legal Autorizado, sin DGS | No statutory deposit-guarantee scheme AE · no DGS | United Arab Emirates | Sin DGS |
| stc Bank Saudi Arabia · 2017 | Credit institution | 200.000 SAR Per depositor | Saudi Deposit Protection Fund (SAMA) SA · DPS | Saudi Arabia | Asegurado |
| Meem Saudi Arabia · 2014 | Credit institution | 200.000 SAR Per depositor | Saudi Deposit Protection Fund (SAMA) SA · DPS | Saudi Arabia | Asegurado |
| ila Bank Bahrain · 2019 | Payment institution | Not insured Safeguarded at custody | Bahrain Deposit & URIA Account Compensation Scheme BH · DCS | Bahrain | Híbrido |
| Discovery Bank South Africa · 2019 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Híbrido |
| Bank Zero South Africa · 2018 | Payment institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | South Africa | Híbrido |
| ALAT by Wema Nigeria · 2017 | Credit institution | 5.000.000 NGN Per depositor | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Asegurado |
| Ally Bank United States · 2009 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Híbrido |
| Discover Bank United States · 1911 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Híbrido |
| Marcus by Goldman Sachs United States · 2016 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | United States | Híbrido |
| Brex United States · 2017 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Bluevine United States · 2013 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Ramp New York · 2019 | Payment institution | Not insured Safeguarded at custody | Federal Deposit Insurance Corporation US · FDIC | New York | Híbrido |
| Rho New York · 2018 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | New York | Asegurado |
| Tide London · 2015 | Payment institution | 120.000 GBP Per depositor | FSCS (UK) UK · FSCS | FCA / PRA | Asegurado |
| Finom Amsterdam · 2019 | E-money institution | Not insured Safeguarded at custody | De Nederlandsche Bank — DGS NL · DNB-DGS | De Nederlandsche Bank | Safeguarding |
| Aspire Singapore · 2018 | Payment institution | 100.000 SGD Per depositor | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Asegurado |
| Airwallex Melbourne · 2015 | Payment institution | 100.000 SGD Per depositor | Singapore Deposit Insurance Corporation SG · SDIC | FCA / PRA | Asegurado |
| Nubank PJ São Paulo · 2013 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Híbrido |
| Mercado Pago Empresas São Paulo · 2003 | Payment institution | 250.000 BRL Per depositor | Fundo Garantidor de Créditos BR · FGC | São Paulo | Asegurado |
| Lili United States · 2018 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Found United States · 2019 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Novo United States · 2018 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | United States | Asegurado |
| Relay Canada · 2018 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | Canada | Asegurado |
| Nequi Colombia · 2016 | Credit institution | 50.000.000 COP Per depositor | Fondo de Garantías de Instituciones Financieras CO · FOGAFIN | Colombia | Asegurado |
| Klar Mexico · 2019 | Payment institution | Not insured Safeguarded at custody | Instituto para la Protección al Ahorro Bancario MX · IPAB | Mexico | Híbrido |
| Stori Mexico · 2018 | Payment institution | Not insured Safeguarded at custody | Instituto para la Protección al Ahorro Bancario MX · IPAB | Mexico | Híbrido |
| RappiPay Colombia · 2020 | Payment institution | Not insured Safeguarded at custody | Fondo de Garantías de Instituciones Financieras CO · FOGAFIN | Colombia | Híbrido |
| Banco PAN Brazil · 1969 | Credit institution | 250.000 BRL Per depositor | Fundo Garantidor de Créditos BR · FGC | Brazil | Asegurado |
| Toss Bank South Korea · 2021 | Credit institution | 100.000.000 KRW Per depositor | Korea Deposit Insurance Corporation KR · KDIC | South Korea | Asegurado |
| Bank Jago Indonesia · 2021 | Credit institution | 2.000.000.000 IDR Per depositor | Lembaga Penjamin Simpanan ID · LPS | Indonesia | Asegurado |
| WeBank China · 2014 | Credit institution | 500.000 CNY Per depositor | China Deposit Insurance Scheme (PBoC) CN · DIS | China | Asegurado |
| Trust Bank Singapore · 2022 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Híbrido |
| Maya Bank Philippines · 2022 | Payment institution | Not insured Safeguarded at custody | Philippine Deposit Insurance Corporation PH · PDIC | Philippines | Híbrido |
| YAP United Arab Emirates · 2021 | Payment institution | Sin régimen legal Autorizado, sin DGS | No statutory deposit-guarantee scheme AE · no DGS | United Arab Emirates | Sin DGS |
| Zand United Arab Emirates · 2021 | Credit institution | Sin régimen legal Autorizado, sin DGS | No statutory deposit-guarantee scheme AE · no DGS | United Arab Emirates | Sin DGS |
| Nomo United Kingdom · 2021 | Payment institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Híbrido |
| Now Money United Arab Emirates · 2017 | E-money institution | Not insured Safeguarded at custody | No statutory deposit-guarantee scheme AE · no DGS | United Arab Emirates | Safeguarding |
| Carbon Nigeria · 2012 | Payment institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | Nigeria | Híbrido |
| M-Shwari Kenya · 2012 | Payment institution | Not insured Safeguarded at custody | Kenya Deposit Insurance Corporation KE · KDIC | Kenya | Híbrido |
| Chipper Cash Nigeria · 2018 | E-money institution | Not insured Safeguarded at custody | Nigeria Deposit Insurance Corporation NG · NDIC | FCA / PRA | Safeguarding |
| Mukuru South Africa · 2004 | E-money institution | Not insured Safeguarded at custody | Corporation for Deposit Insurance ZA · CODI | FCA / PRA | Safeguarding |
| Sony Bank Japan · 2001 | Credit institution | 10.000.000 JPY Per depositor | Deposit Insurance Corporation of Japan JP · DICJ | Japan | Asegurado |
| Statrys Hong Kong · 2018 | Payment institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Hong Kong | Híbrido |
| Memo Bank Paris · 2017 | Credit institution | 100.000 € Per depositor | Fonds de Garantie des Dépôts FR · FGDR | ACPR | Asegurado |
| Anna London · 2017 | E-money institution | Not insured Safeguarded at custody | FSCS (UK) UK · FSCS | FCA / PRA | Safeguarding |
| Holvi Helsinki · 2011 | E-money institution | Not insured Safeguarded at custody | Safeguarded at custody bank Safeguarding | Helsinki | Safeguarding |
| Grasshopper New York · 2019 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | New York | Asegurado |
| BHub São Paulo · 2020 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Híbrido |
| AngelList Stack San Francisco · 2020 | Payment institution | 250.000 US$ Per depositor | Federal Deposit Insurance Corporation US · FDIC | San Francisco | Asegurado |
| Cora São Paulo · 2019 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | São Paulo | Híbrido |
| Conta Azul Joinville · 2012 | Payment institution | Not insured Safeguarded at custody | Fundo Garantidor de Créditos BR · FGC | Joinville | Híbrido |
| Tiger BBP Singapore · 2014 | Payment institution | Not insured Safeguarded at custody | Singapore Deposit Insurance Corporation SG · SDIC | Singapore | Híbrido |
Asegurado — garantía legal de depósitos
Safeguarding — segregado en custodia, no asegurado
85 / 85
02
02 — La distinción
"Safeguarded" no es lo mismo que asegurado. El error más común de los lectores: suponer que la garantía de depósitos se extiende a cualquier app que parezca un banco. No lo hace.
Asegurado — entidades de crédito
Asegurado · garantía legal
De los 85 neobancos que seguimos, 41 son entidades de crédito con garantía legal de depósitos en su jurisdicción de origen.
Revolut · N26 · bunq · Trade Republic · Monzo · Lunar · Starling Bank · Chime · Varo Money · SoFi · Cash App · Mercury · Nubank · Banco Inter · C6 Bank · K Bank · Kakao Bank · Rakuten Bank · stc Bank · Meem · ALAT by Wema · Brex · Bluevine · Rho · Tide · Aspire · Airwallex · Mercado Pago Empresas · Lili · Found · Novo · Relay · Nequi · Banco PAN · Toss Bank · Bank Jago · WeBank · Sony Bank · Memo Bank · Grasshopper · AngelList Stack
Safeguarding — entidades de dinero electrónico y de pago
Solo safeguarding
Entidades de dinero electrónico y de pago. El dinero está segregado en un banco custodio, pero no asegurado.
Wise · Vivid Money · Liv. · Kuda · Opay · Finom · Now Money · Chipper Cash · Mukuru · Anna · Holvi · Qonto · Mercado Pago · Ualá · Revolut Singapore · GoTyme · Tonik · Up Bank · Mashreq Neo · TymeBank · ila Bank · Discovery Bank · Bank Zero · Ally Bank · Discover Bank · Marcus by Goldman Sachs · Nubank PJ · Klar · Stori · RappiPay · Trust Bank · Maya Bank · Nomo · Carbon · M-Shwari · Statrys · BHub · Cora · Conta Azul · Tiger BBP