Is my money protected at this neobank?

Pick the app and which customers you are: who holds your money, whether it is a bank or e-money, and whether a deposit guarantee applies, with the register entry.

Our sourced list of neobank entities is still being filled. Each neobank appears here only with its regulator’s register entry and its own legal page, dated. Until then, check a company in the official registers below.

Compare two neobanks

Side by side: entity, licence, regulator, guarantee and where the money sits.

Two neobanks with sourced entries are needed to compare.

Licence lookup

Any fintech, payment app or e-money company on our sourced list: licence, regulator, country and the register entry.

  • Our sourced list is still being filled.

Pick a company to see its licence, regulator and register entry.

Not on our list? Check the official registers: EBA register of payment and e-money institutions (EU/EEA) · EBA registers and lists of institutions (incl. credit institutions) · BaFin database of companies (Germany)

All neobanks

Full table

Our sourced list is still being filled. A neobank appears here only with its regulator’s register entry and its own legal page, each dated, so nothing is shown from memory.

Bank or e-money: where your money sits

What if it fails?

Bank Credit institution

Your balance is a deposit with the bank. In the EU, if the bank fails, the national deposit guarantee scheme repays eligible deposits up to EUR 100,000 per person and bank (Directive 2014/49/EU).

E-money E-money institution

Your balance is not a deposit. The company has to safeguard customer money, usually in a separate account at a partner bank or in low-risk assets. No deposit guarantee applies; in an insolvency the safeguarded money is returned through the insolvency process.

Failed and closed fintechs

All entries

No failure recorded on our list yet. Each entry links to the regulator’s or administrator’s own notice.

Safety checklistEight questions about one provider, each answered with its source.Spread your moneySplit savings so every euro sits under a guarantee limit.Deposit guaranteeThe EU limit and the schemes named for each entity.Regulator warning listsCheck a company against official warning lists.Licence lookupSearch companies on our list and the official registers.Auf DeutschEinlagensicherung und „Ist das eine echte Bank?“

Questions

Is my money in a neobank protected?

It depends on the company that actually holds it, not on the app's brand. If it is a bank (credit institution) in the EU, eligible deposits are covered by the national deposit guarantee scheme up to EUR 100,000 per person and bank. If it is an e-money or payment institution, your money must be safeguarded but there is no deposit guarantee.

What is the difference between a bank and an e-money institution?

A bank takes deposits and may lend them out; deposits are covered by a deposit guarantee scheme. An e-money institution issues electronic money against your payment and must keep that money safeguarded, separate from its own, but it is not a deposit.

Does the EUR 100,000 limit apply per account?

No. It applies per person and per bank (the legal entity), across all your accounts there. Two app brands that belong to the same bank share one limit.

Where do the facts on this site come from?

From each company's own legal pages and the regulator's register entry, each with the date it was checked. The EU limit comes from Directive 2014/49/EU. A fact we have not checked is shown as not stated.

Does this site say whether a neobank is safe?

No. It shows facts with their sources: who holds your money, under which licence, and which protection applies. It is not a verdict and not financial advice.