Независимые обзоры необанков и современный онлайн-банкинг

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Bunq
Онлайн-банк
Netherlands
Расположение офисов
Australia, Austria, +37
Страны
интернет-банкинг, банкинг для бизнеса, денежные переводы
Особенности
Wise
Онлайн-банк
Australia, +40
Расположение офисов
Australia, Austria, +38
Страны
интернет-банкинг, банкинг для бизнеса, денежные переводы
Особенности
Qonto
Онлайн-банк
France, +3
Расположение офисов
France, Germany, +2
Страны
интернет-банкинг, банкинг для бизнеса, денежные переводы
Особенности
N26
Онлайн-банк
Germany, +1
Расположение офисов
Spain, Germany, +17
Страны
интернет-банкинг, денежные переводы
Особенности
Monzo
Онлайн-банк
United Kingdom
Расположение офисов
Australia, United States
Страны
интернет-банкинг, банкинг для бизнеса, денежные переводы, кредитование
Особенности
OFX
Tailored money transfers for wealthy individuals
United Kingdom, +4
Расположение офисов
197
Страны
денежные переводы, обмен валют
Особенности
Starling
Онлайн-банк
United Kingdom, +1
Расположение офисов
United Kingdom, Germany
Страны
интернет-банкинг, банкинг для бизнеса, денежные переводы
Особенности
Anytime
Бизнес-банк
United Kingdom, +2
Расположение офисов
United Kingdom, Belgium, +1
Страны
банкинг для бизнеса
Особенности
Remitly
Денежный перевод
United States, +1
Расположение офисов
Afghanistan, Antigua and Barbuda, +165
Страны
денежные переводы
Особенности
Paysend
Денежный перевод
United Kingdom
Расположение офисов
+90
Страны
денежные переводы
Особенности
Cashplus
Онлайн-банк
United Kingdom
Расположение офисов
United Kingdom
Страны
интернет-банкинг, банкинг для бизнеса
Особенности
Revolut
Онлайн-банк
United Kingdom, +5
Расположение офисов
Australia, Austria, +41
Страны
интернет-банкинг, денежные переводы, криптовалюта, инвестиции
Особенности
Curve
Online payment
United Kingdom, +1
Расположение офисов
United Kingdom, Germany
Страны
кошелек
Особенности
Anna
Бизнес-банк
United Kingdom
Расположение офисов
United Kingdom
Страны
банкинг для бизнеса
Особенности
Paysera
Lithuania, +2
Расположение офисов
Lithuania, Estonia, +1
Страны
интернет-банкинг, банкинг для бизнеса, денежные переводы, кошелек
Особенности
Holvi
Онлайн-банк
Germany, +2
Расположение офисов
Belgium, Ireland, +5
Страны
интернет-банкинг, банкинг для бизнеса
Особенности
Vialet
Онлайн-банк
Lithuania
Расположение офисов
Lithuania, Poland, +2
Страны
интернет-банкинг, банкинг для бизнеса
Особенности
FerratumBank
Онлайн-банк
Malta
Расположение офисов
25
Страны
интернет-банкинг, кэшбэк
Особенности
Pockit
Денежный перевод
United Kingdom
Расположение офисов
+29
Страны
денежные переводы, кошелек
Особенности

Последние отзывы

  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
  1. Бесплатные Снятия в Банкоматах: N26 предлагает 3 бесплатных ежемесячных снятия в банкоматах, экономя ваши деньги на доступе к наличным.

  2. Без Ежемесячных Платежей: В отличие от многих банков, N26 предоставляет опцию бесплатного счета, исключая ежемесячные комиссии.

  3. Поддержка на Русском: Приложение, сайт и служба поддержки N26 доступны на русском языке, облегчая доступность.

  4. Онлайн-банкинг: Управляйте своими финансами полностью онлайн, без необходимости в физических отделениях.

  5. Конкурентные Курсы Обмена: N26 предоставляет выгодные курсы для международных транзакций, отлично подходит для путешественников.

  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.

  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.
  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.
  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.