Zand vs Nomo.
Zand (Z77/100) and Nomo (N52/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Zand leads Nomo 4-2.
| N Nomo №68 · FCA 52 /100 | Z Zand №15 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 52 /100 | 77 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Payment inst. FCA | Full bank CBUAE |
| Deposit guarantee Per depositor | Safeguarded GB.FSCS | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.2 ★ iOS 4.3 · And 4.0 |
| Read review → | Read review → | |
Pick Nomo if…
Sharia-compliant digital bank — Boubyan Bank Kuwait digital arm via Bank of London + The Middle East (BLME, FCA-licensed). Cross-border GCC-UK money management. UK FSCS GBP 85K + Kuwait DPS via parent. Unique dual-passport structure.
Pick Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Zand won 1 of 4
- Best for protection Zand won 2 of 2
- Best for reach Nomo won 1 of 3
- Best for ux Nomo won 1 of 2
Zand vs Nomo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Nomo better than Zand?
Under our v3 methodology, Zand leads Nomo 4–2 across 12 dimensions. Composite scores: Nomo 52/100 vs Zand 77/100. Zand is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Nomo or Zand cheaper?
Monthly fee — Nomo: €0; Zand: €0. Card FX markup — Nomo: 1.00%; Zand: Interbank. Zand 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, Nomo or Zand?
Nomo holds a Payment inst. licence under FCA; deposit guarantee per depositor: Safeguarded. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Zand is the stronger pick on regulatory protection.
Where can I use Nomo and Zand?
Nomo operates in 2 countries; Zand 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.