Free neobanks,
€0 per month.
Every neobank in our index with a genuine free tier — no hidden monthly fee, no mandatory upgrade. Ranked by what the free tier actually gives you.
01 — The free tiers
74 genuinely free accounts.
All €0 monthly fee. Some still charge for FX, ATM over limit, or physical cards — details below.
01
Revolut United Kingdom · DGS-protected
Full bank €100k cover
€0/month
4.7 /5
→
02
N26 Germany · DGS-protected
Full bank €100k cover
€0/month
4.1 /5
→
03
bunq Netherlands · DGS-protected
Full bank €100k cover
€0/month
4.2 /5
→
04
Vivid Money Germany · Safeguarded
E-money No DGS
€0/month
4.15 /5
→
05
Trade Republic Germany · DGS-protected
Full bank €100k cover
€0/month
3.3 /5
→
06
Monzo United Kingdom · DGS-protected
Full bank €100k cover
€0/month
— /5
→
07
Lunar Denmark · DGS-protected
Full bank €100k cover
€0/month
4.6 /5
→
08
Starling Bank United Kingdom · DGS-protected
Full bank €100k cover
€0/month
— /5
→
09
Chime United States · Safeguarded
Payment inst. No DGS
€0/month
4 /5
→
10
Varo Money United States · DGS-protected
Full bank €100k cover
€0/month
4.2 /5
→
11
SoFi United States · DGS-protected
Full bank €100k cover
€0/month
3.6 /5
→
12
Cash App United States · Safeguarded
Payment inst. No DGS
€0/month
1.6 /5
→
13
Mercury United States · Safeguarded
Payment inst. No DGS
€0/month
4.4 /5
→
14
Nubank Brazil · DGS-protected
Full bank €100k cover
€0/month
3.1 /5
→
15
Mercado Pago Argentina · Safeguarded
Payment inst. No DGS
€0/month
1.5 /5
→
16
Banco Inter Brazil · DGS-protected
Full bank €100k cover
€0/month
2.8 /5
→
17
C6 Bank Brazil · DGS-protected
Full bank €100k cover
€0/month
2.9 /5
→
18
Ualá Argentina · Safeguarded
Payment inst. No DGS
€0/month
2.4 /5
→
19
Revolut Singapore Singapore · Safeguarded
Payment inst. No DGS
€0/month
3.8 /5
→
20
GoTyme Philippines · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
21
Tonik Philippines · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
22
K Bank Korea · DGS-protected
Full bank €100k cover
€0/month
— /5
→
23
Kakao Bank Korea · DGS-protected
Full bank €100k cover
€0/month
— /5
→
24
Rakuten Bank Japan · DGS-protected
Full bank €100k cover
€0/month
— /5
→
25
Up Bank Australia · Safeguarded
Payment inst. No DGS
€0/month
4 /5
→
26
Liv. United Arab Emirates · Safeguarded
E-money No DGS
€0/month
— /5
→
27
Mashreq Neo United Arab Emirates · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
28
Kuda Nigeria · Safeguarded
E-money No DGS
€0/month
4 /5
→
29
Opay Nigeria · Safeguarded
E-money No DGS
€0/month
1.5 /5
→
30
TymeBank South Africa · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
31
Wio United Arab Emirates · DGS-protected
Full bank €100k cover
€0/month
— /5
→
32
stc Bank Saudi Arabia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
33
Meem Saudi Arabia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
34
ila Bank Bahrain · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
35
Bank Zero South Africa · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
36
ALAT by Wema Nigeria · DGS-protected
Full bank €100k cover
€0/month
— /5
→
37
Ally Bank United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
38
Discover Bank United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
39
Marcus by Goldman Sachs United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
40
Brex United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
41
Bluevine United States · Safeguarded
Payment inst. No DGS
€0/month
4.5 /5
→
42
Ramp New York · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
43
Rho New York · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
44
Tide London · Safeguarded
Payment inst. No DGS
€0/month
4.3 /5
→
45
Finom Amsterdam · Safeguarded
E-money No DGS
€0/month
4.5 /5
→
46
Aspire Singapore · Safeguarded
Payment inst. No DGS
€0/month
4.3 /5
→
47
Airwallex Melbourne · Safeguarded
Payment inst. No DGS
€0/month
4 /5
→
48
Nubank PJ São Paulo · Safeguarded
Payment inst. No DGS
€0/month
3.8 /5
→
49
Mercado Pago Empresas São Paulo · Safeguarded
Payment inst. No DGS
€0/month
3.5 /5
→
50
Lili United States · Safeguarded
Payment inst. No DGS
€0/month
4.7 /5
→
51
Found United States · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
52
Novo United States · Safeguarded
Payment inst. No DGS
€0/month
3 /5
→
53
Relay Canada · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
54
Nequi Colombia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
55
Klar Mexico · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
56
Stori Mexico · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
57
RappiPay Colombia · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
58
Banco PAN Brazil · DGS-protected
Full bank €100k cover
€0/month
— /5
→
59
Toss Bank South Korea · DGS-protected
Full bank €100k cover
€0/month
— /5
→
60
Bank Jago Indonesia · DGS-protected
Full bank €100k cover
€0/month
— /5
→
61
WeBank China · DGS-protected
Full bank €100k cover
€0/month
— /5
→
62
Trust Bank Singapore · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
63
Maya Bank Philippines · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
64
YAP United Arab Emirates · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
65
Zand United Arab Emirates · DGS-protected
Full bank €100k cover
€0/month
— /5
→
66
Nomo United Kingdom · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
67
Now Money United Arab Emirates · Safeguarded
E-money No DGS
€0/month
— /5
→
68
Carbon Nigeria · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
69
M-Shwari Kenya · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
70
Chipper Cash Nigeria · Safeguarded
E-money No DGS
€0/month
— /5
→
71
Mukuru South Africa · Safeguarded
E-money No DGS
€0/month
— /5
→
72
Sony Bank Japan · DGS-protected
Full bank €100k cover
€0/month
— /5
→
73
Grasshopper New York · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
74
Cora São Paulo · Safeguarded
Payment inst. No DGS
€0/month
— /5
→
02 — What "free" doesn't mean
Free tier ≠ free everything.
Most free tiers carry per-transaction costs on FX above a monthly limit, ATM over a withdrawal limit, or for a physical card. The €0 monthly fee is genuine; the usage-based fees are real.