Zand vs WeBank.
Zand (Z77/100) and WeBank (W76/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| W WeBank №18 · CBI 76 /100 | Z Zand №15 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /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 | Full bank CBI | Full bank CBUAE |
| Deposit guarantee Per depositor | €500,000 CN.PBoC-DIS | €250,000 AE.DPS |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 1 country |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.5 | 4.2 ★ iOS 4.3 · And 4.0 |
| Read review → | Read review → | |
Pick WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
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 WeBank won 1 of 2
- Best for reach Tied
- Best for ux WeBank won 1 of 2
Zand vs WeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is WeBank better than Zand?
WeBank and Zand are tied 2–2 across 12 dimensions under our v3 methodology. Composite scores: WeBank 76/100 vs Zand 77/100. The right pick depends on which dimension you weight most heavily.
Is WeBank or Zand cheaper?
Monthly fee — WeBank: €0; Zand: €0. Card FX markup — WeBank: 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, WeBank or Zand?
WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. WeBank is the stronger pick on regulatory protection.
Where can I use WeBank and Zand?
WeBank operates in 1 country; 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.