Avaliações independentes de neobancos e banca online moderna

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Bunq
Banco online
Netherlands
Localizações de escritórios
Australia, Austria, +37
Países
banca online, banca empresarial, transferência de dinheiro
Características
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Qonto
Banco online
France, +3
Localizações de escritórios
France, Germany, +2
Países
banca online, banca empresarial, transferência de dinheiro
Características
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Wise
Banco online
Australia, +40
Localizações de escritórios
Australia, Austria, +38
Países
banca online, banca empresarial, transferência de dinheiro
Características
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N26
Banco online
Germany, +1
Localizações de escritórios
Spain, Germany, +17
Países
banca online, transferência de dinheiro
Características
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Monzo
Banco online
United Kingdom
Localizações de escritórios
Australia, United States
Países
banca online, banca empresarial, transferência de dinheiro, empréstimos
Características
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OFX
Tailored money transfers for wealthy individuals
United Kingdom, +4
Localizações de escritórios
197
Países
transferência de dinheiro, câmbio de moeda
Características
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Anytime
Banco empresarial
United Kingdom, +2
Localizações de escritórios
United Kingdom, Belgium, +1
Países
banca empresarial
Características
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Starling
Banco online
United Kingdom, +1
Localizações de escritórios
United Kingdom, Germany
Países
banca online, banca empresarial, transferência de dinheiro
Características
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Remitly
Transferência de dinheiro
United States, +1
Localizações de escritórios
Afghanistan, Antigua and Barbuda, +165
Países
transferência de dinheiro
Características
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Paysend
Transferência de dinheiro
United Kingdom
Localizações de escritórios
+90
Países
transferência de dinheiro
Características
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Revolut
Banco online
United Kingdom, +5
Localizações de escritórios
Australia, Austria, +41
Países
banca online, transferência de dinheiro, criptomoeda, investimento
Características
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Cashplus
Banco online
United Kingdom
Localizações de escritórios
United Kingdom
Países
banca online, banca empresarial
Características
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Curve
Online payment
United Kingdom, +1
Localizações de escritórios
United Kingdom, Germany
Países
carteira
Características
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Anna
Banco empresarial
United Kingdom
Localizações de escritórios
United Kingdom
Países
banca empresarial
Características
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Paysera
Lithuania, +2
Localizações de escritórios
Lithuania, Estonia, +1
Países
banca online, banca empresarial, transferência de dinheiro, carteira
Características
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Holvi
Banco online
Germany, +2
Localizações de escritórios
Belgium, Ireland, +5
Países
banca online, banca empresarial
Características
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Vialet
Banco online
Lithuania
Localizações de escritórios
Lithuania, Poland, +2
Países
banca online, banca empresarial
Características
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FerratumBank
Banco online
Malta
Localizações de escritórios
25
Países
banca online, reembolso
Características
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Pockit
Transferência de dinheiro
United Kingdom
Localizações de escritórios
+29
Países
transferência de dinheiro, carteira
Características
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Últimas avaliações

Paysera Avaliação completa
  1. Competitive fees
  2. Fast and secure transactions
  3. Easy to use
  4. Wide range of services
  5. Regulated by the Bank of Lithuania
  6. Member of the Single Euro Payments Area (SEPA)
  1. Limited availability
  2. Customer support can be slow to respond
  3. Hidden fees
Avaliação completa

  1. Fee-Free ATM Withdrawals: N26 offers 3 free monthly ATM withdrawals, saving you money on access to your cash.

  2. No Monthly Charges: Unlike many banks, N26 provides a free account option, eliminating monthly fees.

  3. English Support: N26’s app, site, and customer service are in English, easing accessibility.

  4. Online Banking: Manage your finances entirely online, no need for physical branches.

  5. Competitive Exchange Rates: N26 provides favorable rates for international transactions, great for travelers.

  6. Instant Transaction Alerts: Receive immediate notifications for all financial activities, aiding spending control and fraud detection.

  7. No Anmeldung Needed: N26 doesn’t demand a registration certificate, making it newcomer-friendly.

  8. Swift Account Opening: You can open an N26 account in about 10 minutes via smartphone and receive your card promptly.

  1. Reduced Features Over Time: N26 introduced fees and limitations, diminishing long-term benefits.

  2. Limited Free ATM Withdrawals: Free withdrawals are capped; exceeding incurs fees.

  3. Account Creation Challenges: Some users face verification delays and post office visits for identity validation.

  4. Two-Factor Authentication Dependency: Access hinges on mobile two-factor authentication, risky if the phone is lost.

  5. Coin Deposits Difficulty: Large coin deposits are challenging; users must exchange coins periodically.

  6. Limited Services: N26 primarily suits daily banking, lacking advanced investment, credit, and mortgage options.

  7. Slow Customer Support: Complaints about sluggish customer support response times persist.

  8. Incomplete Translations: Some app parts may remain in German, despite overall English availability.

Monzo Avaliação completa
  1. Full UK current account – you can do all the stuff you can do with a normal bank and more.
  2. Apply quickly from the app without proof of address – you won’t be credit-checked unless you apply for an overdraft.
  3. Slick, fun app that is packed with cool features.
  4. Spend abroad with no fees at the Mastercard exchange rate.
  5. Open a savings account directly from the app with one of the providers Monzo works with.
  6. Deposit cash into the account at any store which shows the PayPoint logo.
  7. Fully FCA-licensed and FSCS-protected.
  1. No bank branches isn’t great for those who prefer face-to-face customer service.
  2. 3% charge for overseas ATM withdrawals over £200 – some other digital bank accounts (e.g. Starling Bank) have no such charges.
Qonto Avaliação completa
  1. Effortless Account Setup: Qonto simplifies the account setup process for businesses and contractors, making it accessible for beginners.
  2. Versatile Account Options: Qonto caters to various types of businesses, offering flexibility in account selection.
  3. Real-time Accounting Support: Qonto provides real-time transaction tracking and accounting support, streamlining financial management.
  4. Team Expense Management: Qonto simplifies team expense tracking and reporting, enhancing collaboration.
  5. Customizable Debit Cards: Users can customize debit cards to align with their branding and requirements.
  1. No Physical Branches: Qonto’s online-only approach means there are no physical branches for in-person support.
  2. Limited Availability: Qonto’s availability is subject to geographic restrictions and may not be accessible in every country.
Remitly Avaliação completa
  1. Competitive Rates: Remitly consistently offers cost-effective transfer options, making it an excellent choice for budget-conscious users.
  2. Wide Range of Destinations: With over 85 countries supported, Remitly provides access to numerous global destinations for money transfers.
  3. Variety of Pay-In and Pay-Out Options: Users can choose from multiple funding and receiving methods, including bank deposits, cash pick-up, mobile wallet transfers, and home delivery.
  4. Strong Security Measures: Remitly employs robust security measures, including identity verification, fraud detection, and encryption, ensuring the safety of transactions.
  5. Customer Satisfaction Guarantee: Remitly offers a 100% satisfaction guarantee, providing peace of mind to users in case of issues or delays.
  6. Responsive Customer Service: Users appreciate Remitly’s attentive and helpful customer support.
  7. Mobile App: The mobile app receives high ratings, offering a convenient way to send money from smartphones.
  1. Hidden Fees in Exchange Rate Margin: Approximately 35% of fees are concealed within the exchange rate margin, which can make it challenging to determine the exact cost of a transfer.
  2. Limited Origin Countries: Some origin countries may have limitations on sending money to certain destinations, reducing flexibility for users.
  3. Dated Website Design: Remitly’s website design is considered dated and may not offer the most modern user experience.
  4. Variable Credit Card Processing Fees: Credit card processing fees can vary by location, and users may incur additional charges from their credit card providers.
  5. Additional Bank Fees: Banks may impose extra fees when transferring money, impacting the final amount received by the beneficiary.
  6. Exchange Rate Markups: Remitly’s exchange rates typically range between 0.5% and 2% worse than mid-market rates, potentially leading to slightly higher costs for users.