About Neobanks Guide
Neobanks Guide (neobanks.guide) is an editorially-independent comparison site covering every licensed neobank in the European Union. The site is run by a single editor and operated by Kulik Media UG from Berlin. There is no PR agency, no outsourced content, and no sponsored placements — score, rank, and placement are determined by the published methodology, not by commercial relationships.
The site has covered the EU neobank category since 2024, with a quarterly score refresh and a public changelog. Every bank in the index is rated against the same six-pillar methodology, and the full affiliate-revenue ledger is published each edition.
Press inquiries
For quoted comment, on-the-record background, or source-checked data points, please email [email protected]. We respond to most inquiries within one working day. Topics we comment on:
- EU neobank licensing, deposit-protection schemes, and the EMI vs banking-licence distinction
- PSD3, DORA, AMLR, MiCAR, and other EU regulatory developments affecting payment services and digital banking
- Specific bank-level events — licence changes, BaFin / ACPR / DNB actions, scaling orders
- Fee structures, FX markups, and product-tier changes across the EU index
- Cross-border banking, IBAN portability, and SEPA Instant rollout
For story angles outside this scope we are happy to recommend other independent researchers in the EU fintech press space — drop us a line and we'll point you in the right direction.
Editorial standards
Every published claim is grounded in a primary source. We do not cite Wikipedia, press releases, or affiliate-marketing content as a primary source. Specifically:
- Methodology is public. The six-pillar scoring methodology is published in full, including sub-cell breakdowns and the worked example. Weights are frozen per edition; changes are announced in the changelog.
- Affiliate revenue is published. The affiliate-revenue ledger shows every bank we receive a referral fee from and the per-signup amount. Twelve of the top sixty banks in our index have no affiliate relationship at all.
- Corrections are dated. When we get a cell wrong, we publish a dated correction note within 24 hours of verification — even if the next edition is two months out.
- Primary regulator data only. Source-of-truth for licence status is the regulator register (BaFin, ACPR, DNB, Bank of Lithuania, MAS, etc.) plus the bank's own legal-entity disclosure file — not secondary aggregators.
- Single-author byline. Every editorial page is published under a named author with a verifiable LinkedIn profile. There is no ghost-writing pool.
Brand assets
A dedicated press kit (logo files in PNG / SVG, brand-mark guidelines, editor headshot, and approved photography) is in preparation. Until then, please use the favicon mark at /favicon.svg or contact [email protected] with a brief on the format you need.
Founder & editor
Stephan Kulik is the founder of Neobanks Guide and its sole editor. Based in Berlin, with ten-plus years writing about EU banking and fintech. Available for quoted comment, background briefings, and panel commentary on EU neobank licensing, deposit-protection regimes, and EU regulatory developments.
See the full editor bio + LinkedIn profile for credentials and past coverage.