Лучший необанк для инвестирования в Европе 2026
Акции, ETF, дробные акции и автоматические планы сбережений — все это встроены в ваш банковский счет. Обновлено в марте 2026 года.
Более 8 000 акций, более 3 000 ETF, облигации, криптовалюта, деривативы. 1 евро за сделку; планы сбережений бесплатно от 1 евро в месяц. 150 млрд евро под управлением, 10 млн пользователей. Немецкая банковская лицензия.
Более 2 000 акций, более 200 ETF, криптовалюта, сырьевые товары — в вашем банковском приложении. 1 бесплатная сделка в месяц по бесплатному тарифу. Полная банковская лицензия ЕС + инвестирование под управлением Revolut Securities UAB.
Сравнение инвестиционных платформ
Regulatory: Revolut Securities UAB (MiFID II, Bank of Lithuania)
MiFID II investment firm; reduced EU investor protection (€22,000 vs €100,000)
Regulatory: N26 Bank AG (BaFin, MiFID II)
Simple investing interface; limited instrument range vs. Revolut
Regulatory: Wise Assets Ltd (FCA, UK)
'Assets' feature invests idle balances in BlackRock money market funds or government bonds; available for GBP, EUR, USD
Regulatory: MiFID II (via Vivid Capital, BaFin supervised)
MiFID II investment firm licence in Netherlands; fractional investing from €1
Regulatory: Trade Republic Bank GmbH (BaFin, MiFID II)
Germany's largest retail broker by active users; 2% p.a. interest on uninvested cash
Regulatory: FINRA + SIPC
Brokerage subsidiary SoFi Securities LLC; FINRA + SIPC member.
Regulatory: FINRA + SIPC
Cash App Investing LLC; FINRA/SIPC member; clearing via DriveWealth.
Regulatory: SEC + FINRA
Mercury Treasury managed by Apex Clearing / Vanguard funds.
Regulatory: CVM + B3
Nu Invest brokerage subsidiary; CVM-regulated.
Regulatory: CNV (Argentina) + CVM (Brazil)
Yield is the headline use case in AR — high-inflation hedge.
Regulatory: CVM + B3
Inter DTVM — CVM-regulated brokerage.
Regulatory: CVM + B3
C6 DTVM brokerage subsidiary.
Regulatory: CNV (Argentina)
Ualá Bis brokerage subsidiary; CNV-regulated.
Regulatory: MAS
Revolut Securities (Singapore) Pte. Ltd. — MAS-regulated.
Regulatory: FSC + FSS
Mini Stock — fractional KRW or USD investing in-app.
Regulatory: SCA + CBUAE
Mashreq Neo Wealth — wealth management module. // TODO(verify)
Regulatory: SEC Nigeria
Kuda Invest — limited investment menu. // TODO(verify)
Regulatory: SEC Nigeria
OWealth — MMF wrap. // TODO(verify)
Regulatory: SCA + CBUAE
Wio Invest module — wealth-management add-on. // TODO(verify)
Regulatory: CMA + SAMA
Sharia-compliant investment products via Gulf International Bank wealth desk. // TODO(verify)
Regulatory: FSCA + SARB
Discovery Invest module integrated. // TODO(verify)
Regulatory: SEC + CBN
ALAT Invest module. // TODO(verify)
Regulatory: FINRA + SEC
Ally Invest — self-directed brokerage.
Regulatory: FINRA + SEC
Brex Treasury MMF.
Regulatory: CVM + BACEN
PAN Investimentos.
Regulatory: FSC + FSS
Toss Securities sibling product.
Regulatory: CSRC + CBIRC
// TODO(verify)
Regulatory: SCA + CBUAE
// TODO(verify)
Regulatory: FCA + CBK
Sharia-compliant. // TODO(verify)
Regulatory: SEC + CBN
Carbon Investments — MMF.
Regulatory: SEC partnerships
Chipper US-stocks for African users.
Все банки — краткий справочник
| Банк | Акции | ETF | Дробные | Планы накопления | Комиссия за сделку | Защита MiFID |
|---|---|---|---|---|---|---|
| Revolut | 2,000+ | 200+ | ✅ | ✅ from €1 | €0.99–€2.99 per trade after free allowance | €22,000 |
| N26 | — | — | ✅ | ✅ from €1 | €0.90 per trade | €20,000 |
| bunq | No investing | |||||
| Wise | — | — | — | — | — | — |
| Vivid Money | 1,500+ | 500+ | ✅ | ✅ from €1 | Commission-free ETFs; stocks from €0.99 | €20,000 |
| Qonto | No investing | |||||
| Trade Republic | 5,000+ | 3,000+ | ✅ | ✅ from €1 | €1 per trade (savings plans free) | €20,000 |
| Monzo | No investing | |||||
| Lunar | No investing | |||||
| Starling Bank | No investing | |||||
| Chime | No investing | |||||
| Varo Money | No investing | |||||
| SoFi | 8,000+ | 4,000+ | ✅ | — | $0 (self-directed); 0.25% AUM (Active) | €500,000 |
| Cash App | 2,000+ | 500+ | ✅ | — | $0 | €500,000 |
| Mercury | — | — | — | — | 0.20% AUM (Treasury) | — |
| Nubank | 800+ | 80+ | ✅ | — | R$0 | — |
| Mercado Pago | — | — | — | — | 0% | — |
| Banco Inter | 1,500+ | 200+ | ✅ | — | R$0 | — |
| C6 Bank | 1,200+ | 150+ | ✅ | — | R$0 | — |
| Ualá | — | — | — | — | 0% | — |
| Revolut Singapore | 1,500+ | 200+ | ✅ | — | Tiered | — |
| GoTyme | No investing | |||||
| Tonik | No investing | |||||
| Kakao Bank | 2,000+ | 300+ | ✅ | — | 0.015% | — |
| Up Bank | No investing | |||||
| Liv. | No investing | |||||
| Mashreq Neo | — | — | — | — | Tiered | — |
| Kuda | — | — | — | — | 0% | — |
| Opay | — | — | — | — | 0% | — |
| TymeBank | No investing | |||||
| Wio | — | — | — | — | Tiered | — |
| stc Bank | No investing | |||||
| Meem | — | — | — | — | Tiered | — |
| ila Bank | No investing | |||||
| Discovery Bank | — | — | — | — | Tiered | — |
| Bank Zero | No investing | |||||
| ALAT by Wema | — | — | — | — | Tiered | — |
| Ally Bank | — | — | — | — | $0 commission | €500,000 |
| Discover Bank | No investing | |||||
| Marcus by Goldman Sachs | No investing | |||||
| Brex | — | — | — | — | $0 MMF | €500,000 |
| Bluevine | No investing | |||||
| Nequi | No investing | |||||
| Klar | No investing | |||||
| Stori | No investing | |||||
| RappiPay | No investing | |||||
| Banco PAN | — | — | — | — | Tiered | — |
| Toss Bank | — | — | — | — | 0% commission domestic | — |
| Bank Jago | No investing | |||||
| WeBank | — | — | — | — | Tiered | — |
| Trust Bank | No investing | |||||
| Maya Bank | No investing | |||||
| YAP | No investing | |||||
| Zand | — | — | — | — | Tiered | — |
| Nomo | — | — | — | — | Tiered | — |
| Now Money | No investing | |||||
| Carbon | — | — | — | — | 0% MMF | — |
| M-Shwari | No investing | |||||
| Chipper Cash | — | — | ✅ | — | 0% commission | — |
| Mukuru | No investing | |||||