Digital banks and online accounts

Regulator and entity

Based in Malaysia

Regulator: Bank Negara Malaysia (Malaysia) · bnm.gov.my

Malaysian Islamic digital bank that emerged from a consortium led by Japan's AEON group. At launch, it was open only to adult Malaysian citizens: it does not target foreign expatriates.

Protection

• up to MYR 250,000 deposit guaranteePIDM: deposit guarantee limit at AEON BankEligible deposits are aggregated per depositor and per PIDM member bank; foreign-currency deposits are converted into ringgit and aggregated in accordance with the PIDM FAQ.Verified on Nov 2, 2026 · pidm.gov.my

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherAEON Bank: minimum age (Malaysian citizens)Condition reported at the public launch in 2024; to be confirmed against AEON Bank's current terms and conditions.Verified on Nov 2, 2026 · soyacincau.com

Currencies listed

MYR

Opening and countries of residence

Remote opening: Yes

At the public launch in 2024, the press reported that the account was offered only to adult Malaysian citizens, with account opening relying on electronic verification of the Malaysian identity card (MyKad) and a selfie. We have not found a more recent official page extending access to resident foreigners.

Source documents and pages

• should you trust digital banks with your savings here’s how pidm keeps your money safe (pidm.gov.my)
• aeon malaysia islamic digital bank now open to all (soyacincau.com)
• Official website of AEON Bank

Sources verified

Regulator and entity

Based in United States

Regulator: FDIC (United States)

US bank with no branches, an FDIC member, offering online checking and savings accounts. It requires US residency with a US mailing address: it is not suitable for a non-resident.

Protection

• up to $250,000 deposit guaranteeAlly Bank: standard FDIC insurance limitGeneral FDIC coverage limits applied to deposits at Ally Bank, a member of the FDIC; per depositor, per insured bank and per ownership category; investment products are not covered.Verified on Nov 2, 2026 · fdic.gov

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherAlly Bank: minimum age to open an accountOpening requirement, to be met in addition to US residency and a US street address.Verified on Nov 2, 2026 · ally.com

Currencies listed

USD

Opening and countries of residence

Remote opening: Yes

US residency, a US street address and a minimum age are required; citizenship is not required, and a Social Security number or tax identification number is accepted for the bank account. What happens to the account after a move abroad is not specified.

Source documents and pages

• understanding deposit insurance (fdic.gov)
• opening account (ally.com)
• Official website of Ally Bank

Sources verified

Regulator and entity

Based in South Africa

Regulator: Prudential Authority (South African Reserve Bank) (South Africa) · resbank.co.za

Fully digital South African mutual bank, registered under the Mutual Banks Act and a member of South Africa's deposit insurance scheme. Opening an account requires a South African identity document and a local mobile number: a foreigner holding only a foreign passport, like a non-resident, falls outside the cases provided for.

Protection

• up to ZAR 100,000 deposit guaranteeCoDI: deposit guarantee ceiling (Bank Zero)Eligible depositors, per depositor and per member bank of the Corporation for Deposit Insurance; foreign-currency deposits booked in South Africa are covered, and compensation is paid in rand.Verified on Nov 2, 2026 · resbank.co.za

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

ZAR

Opening and countries of residence

Remote opening: Yes

To sign up through the app, Bank Zero requires a South African mobile number and a South African identity document: an identity card or identity book, a South African passport or a South African driving licence. A passport is accepted only if it is South African. A foreign resident is therefore eligible only if they hold a South African identity document; the bank does not publish any rule on keeping the account after leaving the country.

Source documents and pages

• CODI Frequently Asked Questions (resbank.co.za)
• Official website of Bank Zero

Sources verified

Regulator and entity

Based in Malaysia

Regulator: Bank Negara Malaysia (Malaysia) · bnm.gov.my

Malaysian digital bank operated by Boost Bank Berhad, listed in the Bank Negara Malaysia directory as a licensed digital bank and issued from the consortium of Boost Holdings (Axiata group) and RHB Bank. Account opening relies on the Malaysian MyKad identity card: the bank targets Malaysians and does not aim at foreign expatriates.

Protection

• up to MYR 250,000 deposit guaranteePIDM: deposit guarantee limit at Boost BankEligible deposits are aggregated per depositor and per PIDM member bank; foreign-currency deposits are converted into ringgit and aggregated in accordance with the PIDM FAQ.Verified on Nov 2, 2026 · pidm.gov.my

Fee details

Not specified

Entry and eligibility requirements

• from MYR 1 minimum depositBoost Bank: minimum deposit to open an accountMinimum amount advertised on the home page to open an account; reserved for eligible individuals (verification via MyKad).Verified on Nov 2, 2026 · myboostbank.co

Other data

• from 18 years otherBoost Bank: minimum age (Malaysian citizens)Condition reported at the 2024 launch; to be confirmed against Boost Bank's current terms and conditions.Verified on Nov 2, 2026 · vulcanpost.com

Currencies listed

MYR

Opening and countries of residence

Remote opening: Yes

Boost Bank presents itself as designed for Malaysians. Opening an account is done from the app, with verification by selfie and by the MyKad, the identity card of Malaysian citizens; no process based on a foreign passport is described. At launch, the press also mentioned a minimum age. No published rule on keeping the account after leaving the country.

Source documents and pages

• should you trust digital banks with your savings here’s how pidm keeps your money safe (pidm.gov.my)
• myboostbank.co (myboostbank.co)
• boost bank digital banking launch benefits features malaysia (vulcanpost.com)
• Official website of Boost Bank

Sources verified

Regulator and entity

bunq Free offer · Based in Netherlands

Regulator: DNB (Netherlands) · dnb.nl

Online retail bank licensed in the Netherlands, opened through the app by residents of the European Union countries it serves, with foreign currency accounts for certain countries of residence.

Protection

• up to €100,000 deposit guaranteebunq: Dutch deposit guarantee limit, per person and per bankDutch deposit guarantee scheme managed by DNB; eligible deposits in euros according to bunq; limit per person and per bank according to DNB.Verified on Nov 2, 2026 · bunq.com

Fee details

• €0, per month subscriptionbunq, bunq Free plan: monthly subscriptionBasic plan; excluding the fee on foreign-currency card payments above the free plan’s annual limit.Verified on Nov 2, 2026 · bunq.com

Entry and eligibility requirements

Not specified

Currencies listed

EUR · USD · GBP · CHF · PLN · DKK · SEK · CAD · TRY · CZK · RON · AED · AUD · NOK · ZAR · HUF · JPY · CNY · THB · SGD

Opening and countries of residence

Remote opening: Yes

bunq only accepts people residing in one of the countries it serves, which correspond to the member states of the European Union; Iceland, Norway and Liechtenstein are not included. An address in the country of residence is required at sign-up; a European living outside these countries cannot open an account, even if they have a tax identification number from an EEA country. Nationals of other countries residing in a country served can sign up with the accepted identity documents. The French overseas departments and the overseas countries and territories (including French Polynesia, New Caledonia and the Dutch Caribbean islands) are excluded. Minors can open an account with the consent of a legal representative who is a client themselves; people under guardianship, bankrupt or subject to an ongoing seizure are excluded. No income or wealth requirement is published, and the treatment of “US persons” is not specified on the pages consulted.

Source documents and pages

• bunq free (bunq.com)
• deposit protection (bunq.com)
• Official website of bunq

Sources verified

Regulator and entity

Based in United Kingdom

Regulator: Prudential Regulation Authority / Financial Conduct Authority (United Kingdom)

J.P. Morgan's online retail banking brand in the United Kingdom, whose account is held by an authorised British bank within the group. The residency conditions could not be identified: to be considered, subject to verification, only by residents of the United Kingdom.

Protection

• up to £120,000 deposit guaranteeJ.P. Morgan Europe Limited (Chase): UK deposit guarantee limit (FSCS), per person and per institutionEligible deposits held with J.P. Morgan Europe Limited (Chase), an institution authorised in the United Kingdom; limit per eligible person and per authorised institution, all accounts combined. Limit raised in the FSCS general scale; some of the bank's information documents consulted still show the previous limit.Verified on Nov 2, 2026 · fscs.org.uk

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

GBP

Opening and countries of residence

Remote opening: Not specified

No residency, age or nationality requirement appears on the support page consulted; these remain to be verified.

Source documents and pages

• deposit limit (fscs.org.uk)
• Official website of Chase UK

Sources verified

Regulator and entity

Based in Switzerland

Regulator: FINMA (Switzerland) · dukascopy.bank

Geneva-based bank and securities firm supervised by FINMA, offering a multi-currency account opened from the app after identification by video call, available from most countries. Residents of the United States, Japan, Russia and several sanctioned countries are excluded.

Protection

• up to CHF 100,000 deposit guaranteeDukascopy Bank: deposit guarantee under Swiss law, per clientSwiss statutory deposit guarantee (esisuisse system, not named on the page); preferential deposits within the meaning of Swiss law.Verified on Nov 2, 2026 · dukascopy.bank

Fee details

• €1, per month account feeconditionalDukascopy Bank: monthly multi-currency account maintenance fees, subject to conditionsPayable by account holders holding fewer than the minimum number of DUK+ tokens set by the bank; zero-balance accounts are exempt; account maintenance is otherwise free of charge.Verified on Nov 2, 2026 · dukascopy.bank
• €2.3 transferconditionalDukascopy Bank: outgoing SEPA transferBy SEPA transfer; higher fee for certain recipient institutions and for SWIFT transfers.Verified on Nov 2, 2026 · dukascopy.bank

Entry and eligibility requirements

• €40 minimum depositDukascopy Bank: initial deposit that may be requested at account openingBy card or bank transfer, at the bank's request; the account opening itself is free of charge.Verified on Nov 2, 2026 · dukascopy.bank
• from $250,000 minimum depositDukascopy Bank: minimum deposit for a Private Banking accountPrivate banking package, separate from the multi-currency account.Verified on Nov 2, 2026 · dukascopy.bank

Other data

• 0.5% otherDukascopy Bank: spread added to the interbank rate for currency exchangeA volume-based commission is also charged, decreasing with the amount converted.Verified on Nov 2, 2026 · dukascopy.bank
• more than 14 years otherDukascopy Bank: minimum age to hold a multi-currency accountRestricted functions until the age of majority.Verified on Nov 2, 2026 · dukascopy.bank
• from 18 years otherDukascopy Bank: minimum age required to access all account featuresAccount holders must be of legal age.Verified on Nov 2, 2026 · dukascopy.bank

Currencies listed

EUR · GBP · USD · AUD · CNH · PLN · CHF · JPY · CAD · DKK · SEK · NOK · SGD · HKD · MXN · NZD · TRY · ZAR · ILS · RON · CZK · HUF · AED · SAR

Opening and countries of residence

Remote opening: Yes

The multi-currency account can be opened from anywhere in the world, except by residents of the following countries and regions: Abkhazia, Afghanistan, Belarus, Crimea, Cuba, Comoros, the self-proclaimed Donetsk republic, Iran, Japan, the self-proclaimed Luhansk republic, Myanmar, North Korea, South Ossetia, South Sudan, Sudan, Syria, Russia, Transnistria, the United States, Venezuela and Yemen. The restriction is based on residence; no nationality requirement is published, and the case of "US persons" living outside the United States is not addressed. The account is available to minors from a minimum age, with all features reserved for adults.

Source documents and pages

• fees (dukascopy.bank)
• faq (dukascopy.bank)
• Official website of Dukascopy Bank

Sources verified

Regulator and entity

Based in Hong Kong

Regulator: Hong Kong Monetary Authority (Hong Kong) · hkma.gov.hk

Licensed digital bank in Hong Kong, formerly Airstar Bank, now listed by the HKMA as Ele Bank Limited following the takeover by the broker Futu. It serves Hong Kong residents and, according to its app description, visitors who are physically in Hong Kong when they apply; its detailed terms remain to be confirmed.

Protection

• up to HK$800,000 deposit guaranteeDPS: statutory deposit protection limit in Hong Kong (EleBank, formerly Airstar Bank)Eligible deposits per depositor and per member bank of the Hong Kong Deposit Protection Scheme, since the first phase of the system's reform. The entity's membership has not been verified against the list of members.Verified on Nov 2, 2026 · hkma.gov.hk

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

HKD

Opening and countries of residence

Remote opening: Partly

The app description, published under the former Airstar Bank brand, states that the bank serves Hong Kong residents and visitors, the latter having to be physically present in Hong Kong when they apply. The documents required, the minimum age and what happens to the account after a departure are not specified on the pages reviewed.

Source documents and pages

• 20241001 3 (hkma.gov.hk)
• Official website of EleBank

Sources verified

Regulator and entity

Based in Canada

Regulator: BSIF / OSFI (Canada)

Trade name of Equitable Bank, a Schedule I Canadian bank and CDIC member, for online savings and chequing accounts. Reserved for residents of Canada, including to keep the account open.

Protection

• up to CA$100,000 deposit guaranteeEquitable Bank (EQ Bank): CDIC coverage limit, by insured category and per depositorEligible deposits payable in Canada and held at Equitable Bank, a CDIC member.Verified on Nov 2, 2026 · eqbank.ca

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

CAD · USD

Opening and countries of residence

Remote opening: Yes

Canadian residence, the age of majority in the province and a Social Insurance Number are required; online registration requires a Canadian mobile number. All account holders must remain residents of Canada to keep their account; use while travelling remains possible.

Source documents and pages

• deposit insurance information (eqbank.ca)
• Official website of EQ Bank

Sources verified

Regulator and entity

Based in Philippines

Regulator: Bangko Sentral ng Pilipinas (Philippines) · bsp.gov.ph

A banking brand of the Tyme group, carried by two separate banks: GoTyme Bank Corporation in the Philippines, open to foreigners holding certain residence permits, and GoTyme Bank Limited (formerly TymeBank) in South Africa, reserved for holders of a South African identity number. Each account falls under its own country, licence and deposit guarantee.

Protection

• up to ZAR 100,000 deposit guaranteeCoDI: deposit guarantee ceiling at GoTyme Bank (South Africa)Deposits held by GoTyme Bank Limited (formerly TymeBank) in South Africa, per depositor.Verified on Nov 2, 2026 · gotyme.co.za
• up to ₱1,000,000 deposit guaranteePDIC: deposit insurance limit at GoTyme Bank (Philippines)Deposits held by GoTyme Bank Corporation in the Philippines, per depositor.Verified on Nov 2, 2026 · gotyme.com.ph

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 16 years otherGoTyme Bank (South Africa): minimum age to open an accountSouth African eligibility requirement: a South African ID number and an active South African mobile phone number.Verified on Nov 2, 2026 · gotyme.co.za

Currencies listed

PHP · ZAR

Opening and countries of residence

Remote opening: Yes

In the Philippines, account opening is offered to eligible foreign nationals, notably on presentation of an ACR-I card of an accepted type (permanent resident, worker, special non-immigrant, among others), a 9(g) worker extension letter or a diplomatic card; additional supporting documents may be requested. In South Africa, you need a South African identity number, an active South African mobile phone number and a minimum age. The two accounts are not interchangeable: moving from one country to the other requires opening a new account.

Source documents and pages

• tymebank voted one of the worlds best banks (gotyme.co.za)
• how foreigners in the philippines can send money home with gotyme bank (gotyme.com.ph)
• Official website of GoTyme Bank

Sources verified

Regulator and entity

Based in Malaysia

Regulator: Bank Negara Malaysia (Malaysia) · bnm.gov.my

A Malaysian digital bank that emerged from a consortium led by GXS Bank and Kuok Brothers. It expressly excludes non-Malaysians and Malaysians living abroad: it is not accessible to a foreign expatriate.

Protection

• up to MYR 250,000 deposit guaranteePIDM: deposit guarantee limit at GXBankEligible deposits are aggregated per depositor and per PIDM member bank; foreign-currency deposits are converted into ringgit and aggregated in accordance with the PIDM FAQ.Verified on Nov 2, 2026 · pidm.gov.my

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherGXBank: age below which a GX account is refusedPersons who have not reached this age are not eligible, nor are non-Malaysians and Malaysians residing abroad.Verified on Nov 2, 2026 · help.gxbank.my

Currencies listed

MYR

Opening and countries of residence

Remote opening: Yes

The GX account is refused to non-Malaysian citizens, to Malaysian citizens living abroad and to people below the minimum age. A foreigner resident in Malaysia, including under a long-term residence programme, therefore cannot open one, according to the help page consulted.

Source documents and pages

• should you trust digital banks with your savings here’s how pidm keeps your money safe (pidm.gov.my)
• 02 Who is not eligible to apply for a GX Account? (help.gxbank.my)
• Official website of GXBank

Sources verified

Regulator and entity

Based in Singapore

Regulator: Monetary Authority of Singapore (Singapore) · mas.gov.sg

Singaporean digital bank owned by Grab and Singtel, available through its app to residents of Singapore, including foreigners holding a valid residence permit. The account requires an address in Singapore and Singpass access: it is not suitable for a non-resident.

Protection

• up to SGD 100,000 deposit guaranteeSDIC: deposit insurance coverage limit for SGD deposits at GXS BankSingapore dollar deposits of non-bank depositors, aggregated per depositor and per scheme member; foreign currency deposits and investment products are not covered.Verified on Nov 2, 2026 · gxs.com.sg

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 16 years otherGXS Bank: minimum age to open a savings accountMinimum age of the applicant for the GXS Savings Account, with residence in Singapore and a Singpass Myinfo account.Verified on Nov 2, 2026 · help.gxs.com.sg

Currencies listed

SGD

Opening and countries of residence

Remote opening: Yes

Account opening is reserved for people who live in Singapore, with a Singpass Myinfo account and an up-to-date Singapore residential address. Non-citizens and non-permanent residents are accepted if they hold a valid residence permit; GXS gives the Dependant's Pass, the Employment Pass and the Work Permit as examples. No published rule was found on keeping the account after leaving Singapore.

Source documents and pages

• deposit insurance scheme (gxs.com.sg)
• What do I need to open a GXS Savings Account? (help.gxs.com.sg)
• Official website of GXS Bank

Sources verified

Regulator and entity

Based in Brazil

Regulator: Banco Central do Brasil (Brazil)

Licensed Brazilian bank, with a US offering run by a non-bank company that relies on a partner bank. Useful for Brazilians and residents of Brazil, and for Brazilians living in the United States.

Protection

• up to 250,000 deposit guaranteeBanco Inter: FGC guarantee ceiling, per CPF or CNPJ and per institutionFundo Garantidor de Créditos (Brazil); per holder (CPF or CNPJ) and per financial institution; according to Inter, current account balances held by Banco Inter S.A. are covered.Verified on Nov 2, 2026 · blog.inter.co

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

BRL · USD

Opening and countries of residence

Remote opening: Yes

The Brazilian and US account opening requirements were not recorded; the US account is presented for residents of the United States.

Source documents and pages

• entenda o papel do fundo garantidor creditos (blog.inter.co)
• Official website of Inter

Sources verified

Regulator and entity

Based in Indonesia (Bali)

Regulator: Otoritas Jasa Keuangan (OJK) (Indonesia (Bali)) · jago.com

Listed Indonesian digital bank, licensed and supervised by the OJK and a member of the Indonesian deposit insurance scheme (LPS). It is reserved for Indonesian nationals holding an e-KTP identity card: a foreigner, even a resident with a KITAS or a KITAP, cannot open an account.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

IDR

Opening and countries of residence

Remote opening: Yes

Jago states that the account is open to Indonesian nationals who hold an electronic identity card (e-KTP) and a smartphone. Registration also requires the tax number (NPWP) and a verification video call. Foreigners, including residents holding a KITAS or a KITAP, are not covered.

Source documents and pages

• Official website of Jago

No data published

Regulator and entity

Based in South Korea

Regulator: Financial Services Commission / Financial Supervisory Service (South Korea) · fsc.go.kr

A Korean online-only bank launched in 2017 as the country's second internet bank, according to the Financial Services Commission. In October 2026 it opened its app to foreign residents holding a valid residence permit. The account remains tied to the length of the authorised stay: it is not suitable for a non-resident.

Protection

• up to ₩100,000,000 deposit guaranteeKorea: deposit protection ceiling per depositor and per institutionThe statutory deposit protection ceiling was raised in 2025; KakaoBank's participation in the KDIC scheme has not been verified against a primary source.Verified on Nov 2, 2026 · fsc.go.kr

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 19 years otherKakaoBank: minimum age for foreign residentsService open to foreign residents as of October 2026, with a valid residence permit and a mobile phone in their own name.Verified on Nov 2, 2026 · koreaherald.com

Currencies listed

KRW

Opening and countries of residence

Remote opening: Yes

Since the launch on 12 October 2026, foreign residents who meet the minimum age requirement, hold a valid resident ID and have a mobile phone registered in their own name can open an account from the app; the press mentions about two hundred nationalities being accepted. When the authorised stay expires, the bank gradually blocks transactions. Non-residents are not targeted.

Source documents and pages

• 84977 (fsc.go.kr)
• 10899769 (koreaherald.com)
• Official website of KakaoBank

Sources verified

Regulator and entity

Based in United Kingdom

Regulator: Prudential Regulation Authority / Financial Conduct Authority (United Kingdom)

A small UK-authorised bank, opened through its app to residents of the United Kingdom, the Isle of Man and the Channel Islands. The account is closed if the customer stops living there.

Protection

• up to £120,000 deposit guaranteeKroo Bank Ltd: FSCS protection of the current account, per customerCurrent account funds held with Kroo Bank Ltd, covered by the FSCS per customer, according to Kroo's terms and conditions (condition 14.1).Verified on Nov 2, 2026 · kroo.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherKroo: minimum age to hold an accountConditions for opening and holding a Kroo personal account (condition 6.1 of the general terms and conditions).Verified on Nov 2, 2026 · kroo.com

Currencies listed

GBP

Opening and countries of residence

Remote opening: Yes

You must be of legal age and reside in the United Kingdom, the Isle of Man or one of the Channel Islands. If your residence changes after opening, Kroo allows a reasonable period and then closes the account.

Source documents and pages

• terms and conditions (kroo.com)
• Official website of Kroo

Sources verified

Regulator and entity

Based in Nigeria

Regulator: Central Bank of Nigeria (Nigeria) · kuda.com

A fully digital Nigerian microfinance bank licensed by the Central Bank of Nigeria, whose licence was upgraded to national level in early 2026. The account relies on the Nigerian Bank Verification Number (BVN) and is aimed at residents of Nigeria.

Protection

• up to 2,000,000 deposit guaranteeNDIC: deposit guarantee ceiling for microfinance banks (Kuda)NDIC deposit insurance ceiling for microfinance banks, raised in 2024; press source relaying the NDIC's announcement.Verified on Nov 2, 2026 · nairametrics.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 16 years otherKuda: minimum age to open an accountWith an email address, a phone number and BVN verification.Verified on Nov 2, 2026 · help.kuda.com

Currencies listed

NGN

Opening and countries of residence

Remote opening: Yes

Kuda requires a minimum age, an email address, a phone number and confirmation of the BVN, which is matched against the Central Bank's national database. The help page consulted does not address foreign residents or the diaspora; a foreigner without a BVN cannot, in practice, pass the verification.

Source documents and pages

• ndic raises deposit insurance coverage for bank customers in nigeria to n5 million (nairametrics.com)
• 8954669 faqs (help.kuda.com)
• Official website of Kuda

Sources verified

Regulator and entity

Based in United Arab Emirates (Dubai)

Regulator: Central Bank of the UAE (United Arab Emirates (Dubai)) · liv.me

Digital banking brand of Emirates NBD, reserved for adult residents of the UAE holding an Emirates ID card and a passport. The account is held by Emirates NBD itself; there is no public deposit guarantee scheme in the UAE.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherLiv.: minimum age for the main accountResidents of the Emirates holding a valid Emirates ID card and a passport.Verified on Nov 2, 2026 · liv.me

Currencies listed

AED

Opening and countries of residence

Remote opening: Yes

Main account reserved for adult residents of the UAE holding a valid Emirates ID card issued by the Emirati identity authority and a passport. Only one main account per Emirates ID card. The conditions for keeping the account after leaving the UAE are not specified.

Source documents and pages

• liv primary account feature (liv.me)
• Official website of Liv.

Sources verified

Regulator and entity

Based in Hong Kong

Regulator: Hong Kong Monetary Authority (Hong Kong) · hkma.gov.hk

Licensed virtual bank in Hong Kong, open to adult residents holding the new-generation identity card who are present in Hong Kong, and offering savings in Hong Kong dollars, yuan and US dollars.

Protection

• up to HK$800,000 deposit guaranteeDPS: deposit protection limit (livi bank)Eligible deposits per depositor and per member bank of Hong Kong's Deposit Protection Scheme, since the first phase of reform of the system.Verified on Nov 2, 2026 · livibank.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherlivi bank: minimum age for a liviSave accountHong Kong resident with an address in Hong Kong, physically present there and holding a local mobile number.Verified on Nov 2, 2026 · livibank.com

Currencies listed

HKD · CNY · USD

Opening and countries of residence

Remote opening: Yes

Adult Hong Kong residents holding the new smart identity card, with a Hong Kong address and a local mobile number, who are present in Hong Kong at the time of application. No route for non-residents is published on the page consulted.

Source documents and pages

• faqs (livibank.com)
• Official website of livi bank

Sources verified

Regulator and entity

Based in Denmark

Regulator: Finanstilsynet (Danemark) (Denmark)

Licensed Danish bank operating through an app in Denmark and Norway, among other countries. Useful for anyone settling in Scandinavia; the account-opening conditions have not been recorded.

Protection

• up to €100,000 deposit guaranteeLunar Bank A/S: Danish deposit guarantee ceilingDanish Guarantee Fund (Garantiformuen), per depositor and per credit institution; depositor information sheet published by Lunar for its Norwegian customers, with repayment in Norwegian kroner.Verified on Nov 2, 2026 · static-assets.prod.lunarway.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

DKK · NOK · SEK

Opening and countries of residence

Remote opening: Not specified

The accepted countries of residence and the documents required have not been recorded from an official page; only the depositor information sheet intended for Norwegian customers has been read.

Source documents and pages

• guarantee fund depositors investors (static-assets.prod.lunarway.com)
• Official website of Lunar

Sources verified

Regulator and entity

Based in Singapore

Regulator: Monetary Authority of Singapore (Singapore) · mas.gov.sg

Singaporean digital bank owned by the Sea group, opened through the app to citizens, permanent residents and foreigners holding a valid residence permit. A Singapore address and a Singpass account are required, which rules out non-residents.

Protection

• up to SGD 100,000 deposit guaranteeSDIC: deposit insurance limit in SGD at MariBank SingaporeSingapore dollar deposits of non-bank depositors, aggregated per depositor and per scheme member; foreign currency deposits and investment products are not covered.Verified on Nov 2, 2026 · maribank.sg

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 16 years otherMariBank Singapore: minimum age for the Mari Savings accountMinimum age for citizens, permanent residents and foreigners holding a valid residence permit.Verified on Nov 2, 2026 · maribank.sg

Currencies listed

SGD

Opening and countries of residence

Remote opening: Yes

The Mari Savings account is open to Singaporeans, permanent residents and foreigners holding a valid residence permit, above a minimum age, with an up-to-date Singapore address in Singpass. The guide for foreigners explicitly mentions Work Permit holders and asks for the FIN number, a Singapore mobile number, a Singpass account and proof of address in Singapore. No published rule was found on keeping the account after leaving the country.

Source documents and pages

• 10853 how are my deposits being protected (maribank.sg)
• 10081 who can apply for a mari savings account (maribank.sg)
• Official website of MariBank

Sources verified

Regulator and entity

Based in Philippines

Regulator: Bangko Sentral ng Pilipinas (Philippines) · maya.ph

A Philippine app that combines an e-wallet (Maya Philippines, Inc.) and a licensed digital bank (Maya Bank, Inc.). Foreign nationals can have their account verified with a passport, but the status and the deposit protection differ depending on whether the funds are held in the wallet or at the bank.

Protection

• up to ₱1,000,000 deposit guaranteePDIC: statutory deposit insurance limit per depositor per bank (Philippines)Statutory PDIC limit per depositor and per bank, applicable to member banks; source: notice from a Philippine bank restating the PDIC's decision. Maya Bank, Inc.'s PDIC membership has not been verified against a primary source.Verified on Nov 2, 2026 · rcbc.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherMaya: age from which a Filipino citizen can open an account on their ownThreshold applicable to Filipino citizens; minors go through a separate process, and the page does not state an age for foreign nationals.Verified on Nov 2, 2026 · maya.ph

Currencies listed

PHP

Opening and countries of residence

Remote opening: Yes

The account upgrade page requires foreign nationals to present a passport; for Philippine citizens, it requires one primary ID or two secondary IDs. It does not specify an age for foreign nationals or whether a Philippine residence permit is required, and it does not say whether Maya Bank's banking products are open to foreign nationals on the same terms as the wallet.

Source documents and pages

• depositors maximum deposit insurance coverage pdic (rcbc.com)
• upgrade (maya.ph)
• Official website of Maya

Sources verified

Regulator and entity

Based in Nigeria

Regulator: Central Bank of Nigeria (Nigeria) · moniepoint.com

Nigerian microfinance bank licensed by the Central Bank, offering business accounts and a personal account with no maintenance fees. Opening relies on the BVN or the NIN.

Protection

• up to 2,000,000 deposit guaranteeNDIC: deposit guarantee ceiling for microfinance banks (Moniepoint)Ceiling of the NDIC's deposit insurance for microfinance banks, raised in 2024; press source reporting the NDIC's announcement.Verified on Nov 2, 2026 · nairametrics.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

NGN

Opening and countries of residence

Remote opening: Yes

The account is opened from the app with the BVN or the NIN, a facial verification and an identity document; higher verification levels require the details of a relative or close contact and a recent proof of address. Resident foreigners and the diaspora are not addressed on the pages consulted.

Source documents and pages

• ndic raises deposit insurance coverage for bank customers in nigeria to n5 million (nairametrics.com)
• Official website of Moniepoint

Sources verified

Regulator and entity

Based in United Kingdom

Regulator: Prudential Regulation Authority / Financial Conduct Authority (United Kingdom)

A UK-authorised retail bank run entirely from its app, for individuals and small businesses established in the United Kingdom. It is meant for settling in the UK, not for taking a British account to another country.

Protection

• up to £120,000 deposit guaranteeMonzo Bank Limited: UK deposit guarantee (FSCS) limit, per person and per institutionEligible deposits held with Monzo Bank Limited, an institution authorised in the United Kingdom; limit per eligible person and per authorised institution, all accounts combined. The limit has been raised under the general FSCS scale; some of the bank's information documents consulted still show the previous limit.Verified on Nov 2, 2026 · fscs.org.uk

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 16 years otherMonzo Business: minimum age of the applicantApplicant for a Monzo business account (sole trader or director of a UK-based limited company).Verified on Nov 2, 2026 · monzo.com

Currencies listed

GBP

Opening and countries of residence

Remote opening: Yes

For the business account, Monzo accepts only sole traders or directors of UK-based limited companies that are tax resident in the United Kingdom and in no other country. The residence requirements for the personal account, and what happens to an account after a move abroad, could not be found on an official page at the time of this update.

Source documents and pages

• deposit limit (fscs.org.uk)
• eligibility (monzo.com)
• Official website of Monzo

Sources verified

Regulator and entity

Based in Hong Kong

Regulator: Hong Kong Monetary Authority (Hong Kong) · hkma.gov.hk

Licensed Hong Kong virtual bank, backed by Standard Chartered, open to adult permanent and non-permanent residents who hold a Hong Kong identity card. Opening an account requires being physically in Hong Kong.

Protection

• up to HK$800,000 deposit guaranteeDPS: deposit protection limit at Mox BankEligible deposits per depositor and per member bank of Hong Kong's Deposit Protection Scheme, since the first phase of the system's reform.Verified on Nov 2, 2026 · mox.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

HKD

Opening and countries of residence

Remote opening: Yes

Adults holding a Hong Kong identity card, either permanent or non-permanent resident, with a residential and postal address in Hong Kong and a local mobile number. Physical presence in Hong Kong is required throughout the account-opening process. A person who held a Mox account during the previous year does not qualify for new-customer conditions.

Source documents and pages

• faq general (mox.com)
• Official website of Mox Bank

Sources verified

Regulator and entity

Based in Spain

Regulator: Banco de España (Spain)

Online bank of the Santander group, licensed in Spain, whose brand is rolled out in other countries by separate entities, including an authorised Mexican bank. Each country has its own entity and its own terms.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

EUR

Opening and countries of residence

Remote opening: Yes

Residence requirements were not recorded; the offer and the contracting entity vary by country (Spain, Mexico, and other markets not verified here).

Source documents and pages

• Official website of Openbank

No data published

Regulator and entity

Based in United States

Regulator: OCC / FDIC (United States)

Online checking and savings accounts held by SoFi Bank, N.A., a member of the FDIC, with extended coverage through a deposit-sweep program. The residency requirements could not be confirmed on an official page.

Protection

• up to $250,000 deposit guaranteeSoFi Bank, N.A.: the bank's own FDIC insurance, per depositor and per ownership categoryDeposits in SoFi Checking and Savings accounts held at SoFi Bank, N.A.; above that limit, additional coverage through the insured deposit program.Verified on Nov 2, 2026 · sofi.com
• up to $3,000,000 deposit guaranteeSoFi: maximum FDIC coverage advertised through its insured deposit programCoverage is spread across several banks in SoFi's insured deposit program; it requires participation in the program and depends on the assets already held at those banks.Verified on Nov 2, 2026 · sofi.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

USD

Opening and countries of residence

Remote opening: Yes

Nationality, residency and address requirements for the SoFi Checking and Savings account were not recorded: the help page on eligibility did not display its content, and the "Eligibility Criteria" page covers loans only.

Source documents and pages

• checking account (sofi.com)
• Official website of SoFi

Sources verified

Regulator and entity

Based in Japan

Regulator: Financial Services Agency (Japan) · fsa.go.jp

Japanese online bank listed among the licensed banks on the Financial Services Agency's list, offering English-language service and foreign-currency deposits to foreign residents of Japan. Eligibility depends on how long ago the residence status was granted or health insurance coverage began: the bank does not target non-residents.

Protection

• up to ¥10,000,000 deposit guaranteeJapan: cap on principal protection per depositor and per institutionPrincipal and interest on yen deposits per person and per institution; foreign currency deposits are excluded from protection.Verified on Nov 2, 2026 · fsa.go.jp

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 6 months otherSony Bank: length of time since the residence permit was issued or health insurance coverage began, determining the documents requiredThe length of time is counted from the date the residence card was authorized or from the effective date of the health insurance card; if it is shorter in both cases, the employees' health insurance card and proof of employment in Japan are required.Verified on Nov 2, 2026 · sonybank.jp

Currencies listed

JPY · USD · EUR · GBP · AUD · CAD · HKD · CHF · NZD · ZAR · SEK

Opening and countries of residence

Remote opening: Yes

Accounts are opened through a dedicated app. The documents required depend on how long ago the permission date shown on the residence card and the effective date of the health insurance card fall; if neither date meets the set threshold, a health insurance card for employees and proof of employment with a company in Japan are required. The bank publishes a notice on the verification of length and status of residence, the content of which could not be read. Non-residents are not targeted.

Source documents and pages

• dep ins (fsa.go.jp)
• 30 (sonybank.jp)
• Official website of Sony Bank

Sources verified

Regulator and entity

Based in United Kingdom

Regulator: Prudential Regulation Authority / Financial Conduct Authority (United Kingdom)

A bank authorised in the United Kingdom, opened through its app, which adds a euro account to the sterling account for individuals and businesses. It is aimed at UK residents; it is not designed for an expatriate who has already left the country.

Protection

• up to £120,000 deposit guaranteeStarling Bank Limited: UK deposit guarantee limit (FSCS), per person and per institutionEligible deposits held with Starling Bank Limited, an institution authorised in the United Kingdom; limit applies per eligible person and per authorised institution, all accounts combined. The limit was raised in the FSCS general scale; some of the bank's information documents consulted still show the previous limit.Verified on Nov 2, 2026 · fscs.org.uk

Fee details

• €0 account feeconditionalStarling, personal euro account: account maintenance feesPersonal euro account held by a Starling customer; fee information document dated 9 December 2022, the most recent one found at the address consulted: to be reconfirmed.Verified on Nov 2, 2026 · starlingbank.com
• £0 account feeconditionalStarling, personal current account in pounds: account maintenance feesPersonal current account in pounds sterling; fee information document dated 14 October 2025.Verified on Nov 2, 2026 · starlingbank.com

Entry and eligibility requirements

Not specified

Other data

• £0 otherStarling, personal sterling account: debit card payment in a foreign currencyFees charged by Starling on a debit card payment in a foreign currency, personal sterling current account; document dated 14 October 2025. The same document also shows no fee on a withdrawal in a foreign currency outside the United Kingdom; the card network's exchange rate still applies.Verified on Nov 2, 2026 · starlingbank.com

Currencies listed

GBP · EUR · USD

Opening and countries of residence

Remote opening: Yes

Savings accounts are reserved for adults resident in the United Kingdom. The account-opening page sets no explicit residency requirement for the current account; it requires photo ID, a short video and, where applicable, proof of address. The dollar account and the business euro account are subject to their own eligibility criteria.

Source documents and pages

• Fee Information Doc EUR PCA (starlingbank.com)
• Fee Information Doc GBP PCA (starlingbank.com)
• deposit limit (fscs.org.uk)
• Official website of Starling Bank

Sources verified

Regulator and entity

Based in Singapore

Regulator: Monetary Authority of Singapore (Singapore) · wealthmanagement.sg

Singaporean digital bank launched in 2022 by Standard Chartered and the FairPrice Group, open to citizens, permanent residents and foreigners. The specific conditions imposed on foreigners are not detailed on the pages we were able to read.

Protection

• up to SGD 100,000 deposit guaranteeSDIC: deposit insurance cap on SGD deposits at Trust BankSingapore dollar deposits of non-bank depositors, aggregated per depositor and per scheme member; foreign currency deposits and investment products are not covered.Verified on Nov 2, 2026 · trustbank.sg

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherTrust Bank: minimum age to open a savings accountAge requirement shown on the help centre of the Link programme, a Trust partner; to be confirmed in Trust's terms and conditions.Verified on Nov 2, 2026 · support.link.sg

Currencies listed

SGD

Opening and countries of residence

Remote opening: Yes

According to the help centre of the Link rewards programme, a partner of Trust, the savings account is open to Singapore citizens, permanent residents and foreigners above a minimum age. The accepted residence permits and any requirement for a Singapore address are not specified on the pages consulted. No published rule was found on keeping the account after leaving Singapore.

Source documents and pages

• trustbank.sg (trustbank.sg)
• 21172038115737 Can I open a Savings Account by Trust (support.link.sg)
• Official website of Trust Bank

Sources verified

Regulator and entity

Based in Hong Kong

Regulator: Hong Kong Monetary Authority (Hong Kong) · hkma.gov.hk

A Hong Kong virtual bank open to adult residents who hold the new-generation identity card and are physically present in Hong Kong, with a separate process for visitors from mainland China. It does not target non-residents from other countries.

Protection

• up to HK$800,000 deposit guaranteeDPS: deposit protection limit at WeLab BankEligible deposits per depositor, per member bank of Hong Kong's Deposit Protection Scheme, since the first phase of the reform of the system.Verified on Nov 2, 2026 · welab.bank

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherWeLab Bank: minimum age to open an accountHong Kong residents holding the new-generation identity card, who are physically present in Hong Kong.Verified on Nov 2, 2026 · welab.bank

Currencies listed

HKD

Opening and countries of residence

Remote opening: Yes

Adult Hong Kong residents holding the new-generation Hong Kong identity card (introduced in 2018), with a residential address in Hong Kong and physically present in Hong Kong at the time of account opening. Visitors from mainland China have a specific process. No route is published for other non-residents.

Source documents and pages

• onboarding (welab.bank)
• Official website of WeLab Bank

Sources verified

Regulator and entity

Based in United Arab Emirates (Dubai)

Regulator: Central Bank of the UAE (United Arab Emirates (Dubai)) · wio.io

Digital bank licensed by the Central Bank of the UAE, owned in particular by ADQ and First Abu Dhabi Bank, with a personal banking offer in four account currencies. The UAE has no public deposit guarantee scheme: the risk lies with the bank itself.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

AED · USD · EUR · GBP

Opening and countries of residence

Remote opening: Yes

Wio states that an account can be opened from the app whether you already live in the UAE or are moving there, with identity verified using the Emirates ID card or the Emirati work visa and a selfie. An Emirati residence permit (or at the very least a work visa) is therefore the basis for opening an account. Access for non-residents is not specified.

Source documents and pages

• Official website of Wio Bank

No data published

Regulator and entity

Based in Hong Kong

Regulator: Hong Kong Monetary Authority (Hong Kong) · hkma.gov.hk

A Hong Kong virtual bank, one of the earliest licences granted in 2019, open to permanent and non-permanent residents holding the new-generation identity card. Outside Hong Kong, only visitors from mainland China have a dedicated onboarding route.

Protection

• up to HK$800,000 deposit guaranteeDPS: deposit protection limit (ZA Bank)Eligible deposits per depositor and per member bank of Hong Kong's Deposit Protection Scheme, since the first phase of the system's reform. ZA Bank's membership has not been verified against the list of members.Verified on Nov 2, 2026 · hkma.gov.hk

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherZA Bank: minimum age for a Hong Kong residentWith a new-generation Hong Kong smart identity card, a mobile number and an address in Hong Kong.Verified on Nov 2, 2026 · bank.za.group

Currencies listed

HKD

Opening and countries of residence

Remote opening: Yes

Adult Hong Kong residents holding a smart identity card issued on or after 26 November 2018 (both permanent and non-permanent residents), with a mobile number and a residential address in Hong Kong. Older cards, children's cards and foreign identity documents are not accepted. The bank cannot open accounts for certain people because of their tax residence, place of birth or nationality, and the list is not published on the page consulted. Visitors can open an account only if they are residents of mainland China.

Source documents and pages

• 20241001 3 (hkma.gov.hk)
• 6650422fb359be4a19523306 (bank.za.group)
• Official website of ZA Bank

Sources verified

Regulator and entity

Based in United States

Regulator: OCC / FDIC (banques partenaires) (United States)

US financial technology company, not a bank, whose accounts are held by The Bancorp Bank, N.A. or Stride Bank, N.A., both FDIC members. Reserved for US residents: this is not an account you can take abroad.

Protection

• up to $250,000 deposit guaranteeChime: FDIC insurance limit, per depositor, per insured bank and per ownership categoryFunds held at Chime's partner banks (The Bancorp Bank, N.A. or Stride Bank, N.A.); pass-through coverage subject to conditions; does not protect against the failure of Chime, a non-bank company.Verified on Nov 2, 2026 · chime.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherChime: minimum age to open an accountOpening requirement, which applies in addition to U.S. residency.Verified on Nov 2, 2026 · chime.com

Currencies listed

USD

Opening and countries of residence

Remote opening: Yes

Chime requires US residency and a minimum age that it sets, along with a name, date of birth, address and Social Security number. What happens to the account after a departure from the United States is not specified on the pages reviewed.

Source documents and pages

• what is chime is chime a bank (chime.com)
• Official website of Chime

Sources verified

Regulator and entity

Based in Canada

Regulator: Institution partenaire (Peoples Trust Company) (Canada)

Canadian financial app whose funds are held by Peoples Trust Company, a partner trust company; KOHO itself is not CDIC-insured. A banking licence application is under way, with no known decision as of the date of consultation.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

CAD

Opening and countries of residence

Remote opening: Yes

KOHO requires the age of majority in the applicant's province and identity verification (Canadian documents). No residency requirement or rule applying after a departure from Canada is published on the pages reviewed.

Source documents and pages

• Official website of KOHO

No data published

Regulator and entity

Based in United States

Regulator: FDIC (banques partenaires) ; OCC (projet de banque nationale) (United States)

US financial technology company whose business accounts are held by Choice Financial Group and Column N.A., both FDIC members. Open to companies registered in the United States, including those with foreign founders, except for certain founder countries of residence.

Protection

• up to $250,000 deposit guaranteeMercury: standard FDIC insurance limit, per partner bankGeneral FDIC scale applied to deposits held at Mercury's partner banks (Choice Financial Group, Column N.A.); does not protect against the failure of Mercury, which is a non-bank company; extended coverage may be available through the sweep network, with the limit itself unchanged.Verified on Nov 2, 2026 · fdic.gov

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

USD

Opening and countries of residence

Remote opening: Yes

The company must be incorporated and registered in the United States or a US territory, with an existing or planned US activity; founders do not have to be US citizens or residents, but Mercury does not serve companies whose founders live in certain countries (list not retrieved).

Source documents and pages

• understanding deposit insurance (fdic.gov)
• Official website of Mercury

Sources verified

Regulator and entity

Based in Germany

Regulator: BaFin (banque partenaire) ; AFM (investissement) (Germany)

Account and investment app whose bank accounts are held by a German partner bank. Open to residents of the European Union who are not subject to US taxation.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Other data

• from 18 years otherVivid Money: minimum age of the account holderOpening of a Vivid account held with the partner bank (Solarisbank, now Solaris SE); pre-contractual information published by Vivid, European version in English, undated in the version consulted.Verified on Nov 2, 2026 · website-static.vivid.money

Currencies listed

EUR

Opening and countries of residence

Remote opening: Yes

According to the pre-contractual information reviewed, the account holder must be of legal age, a consumer, have permanent residence in Germany or another European Union member state, and not be subject to US taxation under FATCA; Vivid may refuse a registration without giving a reason.

Source documents and pages

• pre contractual info (website-static.vivid.money)
• Official website of Vivid Money

Sources verified

Regulator and entity

Based in Netherlands

Regulator: De Nederlandsche Bank (Finom Payments B.V.) ; selon le pays : BaFin (banque partenaire en Allemagne), ACPR (établissement partenaire en France) (Netherlands)

Online business account for freelancers and small businesses in Europe, provided by Finom Payments B.V., a Dutch electronic money institution, or, depending on the country, by a partner bank or institution. The entity that holds the account, and therefore the protection of the funds, depends on the country.

Protection

• up to €100,000 deposit guaranteeFinom: deposit guarantee announced for the business accountGeneral wording of Finom's FAQ (German version in English), "according to the applicable local rules"; it refers to the account held with a partner bank (Solaris SE for German IBANs). It does not apply to funds that are merely safeguarded with an electronic money institution.Verified on Nov 2, 2026 · finom.co

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

EUR

Opening and countries of residence

Remote opening: Yes

Finom says it serves freelancers, self-employed workers and SMEs across Europe, with an initial launch in Italy; no list of eligible countries or legal forms was found.

Source documents and pages

• about finom (finom.co)
• Official website of Finom

Sources verified

Regulator and entity

Based in Finland

Regulator: Finanssivalvonta (FIN-FSA) (Finland)

Business account for freelancers and small businesses, held by a payment institution authorised in Finland, with a branch in Germany. Funds are safeguarded: this is not a bank deposit.

Protection

• up to €100,000 deposit guaranteeHolvi: deposit guarantee applied to safeguarded funds, per client and per depositary bankHolvi is a payment institution: client funds are safeguarded. According to Holvi, the European deposit guarantee applies per Holvi client and per bank in which these funds are deposited; it does not apply to the portion held with a central bank.Verified on Nov 2, 2026 · support.holvi.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

EUR

Opening and countries of residence

Remote opening: Not specified

Holvi is authorised in the European Economic Area and names Finland and Germany; the permitted countries of incorporation were not recorded.

Source documents and pages

• 360001327037 How is my money protected at Holvi (support.holvi.com)
• Official website of Holvi

Sources verified

Regulator and entity

Based in France

Regulator: Autorité de contrôle prudentiel et de résolution (France)

A simple payment account with no income requirement, issued by a payment institution authorised in France. It requires a postal address in France and excludes US citizens and residents.

Protection

Not specified

Fee details

• €20, per year account feeconditionalNickel (France): annual account maintenance feeNickel personal account in France, standard card; fee schedule appended to the general terms and conditions and fee information published by Financière des Paiements Électroniques. The version date of the document was not recorded; the premium card is charged in addition.Verified on Nov 2, 2026 · nickel.eu

Entry and eligibility requirements

Not specified

Other data

• from 12 years otherNickel (France): minimum age for opening an account (minor represented by a legal representative)Opening of a Nickel account by a minor, legally represented; general terms and conditions and fee schedule, undated version in the reading carried out.Verified on Nov 2, 2026 · nickel.eu

Currencies listed

EUR

Opening and countries of residence

Remote opening: Partly

For the French account, you must be a tax resident of a European Union or EFTA country, have a valid postal address in France and hold an original official identity document; US citizens and residents are excluded. According to press reports, Nickel is also present in other European countries, under conditions not reviewed here.

Source documents and pages

• Conditions Générales et Tarifaires (nickel.eu)
• Official website of Nickel

Sources verified

Regulator and entity

Based in Brazil

Regulator: Banco Central do Brasil ; CNBV (Mexique) (Brazil)

Latin America's leading digital player, present in Brazil, Mexico and Colombia under different statuses: a payment institution in Brazil and a multiple banking institution in Mexico since 2026. It is useful for settling in one of these countries, using local identity documents.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

BRL · MXN · COP

Opening and countries of residence

Remote opening: Yes

Each country has its own entity and its own conditions; these were not taken from an official page during this update. In practice, opening an account requires the local tax identifier (the CPF in Brazil, for example), which remains to be confirmed country by country.

Source documents and pages

• Official website of Nubank

No data published

Regulator and entity

Based in United States

Regulator: Selon le marché : FinCEN et États (États-Unis), Banque centrale d’Irlande (EEE), FCA (Royaume-Uni) (United States)

Cross-border payment service for freelancers and businesses, with receiving account details in several currencies. It is not a bank: Payoneer operates under money transmitter, electronic money or payment licences depending on the country.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

USD · EUR · GBP

Opening and countries of residence

Remote opening: Yes

Eligible and excluded countries of residence were not recorded in this update.

Source documents and pages

• Official website of Payoneer

No data published

Regulator and entity

Based in France

Regulator: Autorité de contrôle prudentiel et de résolution (France)

Online business account for companies and self-employed professionals, issued by a payment institution licensed in France. It is not a bank: funds are safeguarded, and account opening is aimed at companies registered in the countries served.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

EUR

Opening and countries of residence

Remote opening: Yes

In France, the account is available to companies registered in France and in the overseas territories. Qonto publishes national websites for Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands; the conditions specific to those countries have not been recorded.

Source documents and pages

• Official website of Qonto

No data published

Regulator and entity

Based in France

Regulator: Autorité de contrôle prudentiel et de résolution (France)

French professional neobank authorised as a payment institution and acting as an agent of an electronic money institution. Designed for freelancers and small companies established in France; it is not a bank.

Protection

Not specified

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

EUR

Opening and countries of residence

Remote opening: Yes

The eligibility conditions (country of registration, residence of the company director) were not found on an official page.

Source documents and pages

• Official website of Shine

No data published

Regulator and entity

Not specified

Regulator: Not specified

Transfer service that converts at the market rate and charges its fees separately. This is the opposite of the banking model, where the exchange margin is built into the quoted rate — and it is what makes the two hard to compare.

Protection

Not specified

Fee details

• $6.15 transferconditionalFixed SWIFT fee for a US dollar transfer, countries with no expected correspondent feesVerified on Nov 2, 2026 · wise.com
• from $7.24 transferconditionalFixed SWIFT fee for a US dollar transfer, countries with expected correspondent fees: lower boundVerified on Nov 2, 2026 · wise.com
• up to $34.3 transferconditionalFixed SWIFT fee for a US dollar transfer, countries with expected correspondent fees: upper boundVerified on Nov 2, 2026 · wise.com
• from $25,000 transferconditionalMonthly transfer volume above which a discount appliesVerified on Nov 2, 2026 · wise.com

Entry and eligibility requirements

Not specified

Currencies listed

EUR · USD · GBP · CHF · CAD · SGD · HKD

Opening and countries of residence

Remote opening: Yes

The countries from which an account can be opened and the corridors available vary; they must be checked at the time of sending.

Source documents and pages

• combien coute lenvoi dusd vers des pays en dehors des etats unis (wise.com)
• how much does it cost to send usd to countries outside the us (wise.com)
• send money (wise.com)
• Official website of Wise

Sources verified

Regulator and entity

Based in Canada

Regulator: OCRI / CIRO (Canada)

Canadian broker and asset manager whose chequing account is offered by non-bank entities, with the funds held in trust at CDIC member institutions. Protection relies on the CDIC for cash and on the CIPF for investment accounts.

Protection

• from 10 deposit guaranteeWealthsimple: minimum number of CDIC member institutions across which to spread funds for maximum coverageCondition for extended coverage of the chequing account; subject to CDIC disclosure rules.Verified on Nov 2, 2026 · wealthsimple.com
• up to CA$100,000 deposit guaranteeWealthsimple: CDIC coverage limit per depositor and per member institution (chequing account)Cash in the chequing account held in trust with CDIC member institutions; Wealthsimple Investments Inc. and Wealthsimple Payments Inc. are not CDIC members.Verified on Nov 2, 2026 · wealthsimple.com
• up to CA$1,000,000 deposit guaranteeWealthsimple: maximum CDIC coverage advertised for the chequing accountCoverage is obtained by spreading funds across several CDIC member institutions; subject to disclosure rules and to any deposits the client already holds with those institutions.Verified on Nov 2, 2026 · wealthsimple.com

Fee details

Not specified

Entry and eligibility requirements

Not specified

Currencies listed

CAD · USD

Opening and countries of residence

Remote opening: Yes

Residency and age requirements were not found on the pages reviewed; what happens to accounts after a departure from Canada is not documented.

Source documents and pages

• legal disclaimers (wealthsimple.com)
• chequing chart (wealthsimple.com)
• Official website of Wealthsimple

Sources verified