Crypto Neobanks evaluated across fiat covered by a real deposit guarantee, what happens to your coins if they fail, verified authorisation on both legs, and computable conversion cost.
Ranked here: crypto neobanks, which let you hold fiat and crypto in one account. Not ranked here: card, exchange, simple-buy, institutional custody and business banking products ranked on those pages (Bitpanda's account is ranked here, its buy app there), and providers shut down or in administration.
RE
#1 of 6 · published ranking
Revolut
81ChainChoice Score
4199
Why it leads
Revolut scores higher than everything else in this ranking on its conversion cost.
Show the arithmetic
Best in this ranking on conversion cost (7/10; next 6/10)
Cost
$8,940 your cost/yr · Payments per month: 500 · Average payment: $100
Tied for #1 · ordered by tie-break points (0.04 against 0)
ReviewedNext review by Published Methodology v2026.11.1
How this page is reviewed
Reviewed means every product ranked on this page was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
No provider can pay for a position in this table. The code that computes this order cannot read which links carry a referral code, and every build proves it. Every score below rebuilds from the published criteria.Ranking v2026.11.1 · 4 criteria · 6 products · same inputs, same order
How we review · 6 ranked of 15 assessed · 4 criteria · 0 sponsor weight
How we review
6ranked
15assessed
4criteria
0sponsor weight
Recommendation first, comparison only if needed.
Reviewed and rechecked on the current cycle.
Commercial relationships disclosed before clickout.
Personal comparison
What crypto neobanks cost you
Your inputs update the cost column. The independent ranking stays fixed.
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately.
RankProviderBest fitScoreYour cost
1
RERevolutLicensed UK bank with crypto trading ru...Top ranked
Verified authorisation on both legs — 8/10Trade-off: Two things buried in the fee PDF: on withdrawals, "If the network fee you pay exceeds...
81score
your cost/yr
Check availability for your country
Revolut · revolut.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
Tied for #1 · ordered by tie-break points (0.04 against 0)
2
XAXapo BankGibraltar-licensed private bank holding...
Verified authorisation on both legs — 9/10Trade-off: You pay USD $1,000/year for the privilege of an account, and the deposit guarantee th...
81score
-Not published
Check availability for your country
Xapo Bank · xapobank.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
3
N26German bank that outsources crypto enti...
Fiat covered by a real deposit guarantee — 8/10Trade-off: The Metal upgrade is sold as "pay only 1% commission on Bitcoin trades and 2% on othe...
52score
your cost/yr
Check availability for your country
N26 · n26.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
4
BitpandaAustrian broker with three MiCA licence...
Verified authorisation on both legs — 8/10Trade-off: A help article that reads "Your funds will always be safe" sits alongside Earn terms...
51score
Lowest at your inputs
Check availability for your country
Bitpanda · bitpanda.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
5
NexoCrypto lender offering yield accounts;...
What happens to your coins if they fail — 3/10Trade-off: The 2023 settlements were on a no-admit-no-deny basis and Nexo has since re-entered t...
44score
-Not published
Check availability for your country
Nexo · nexo.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
6
FoldUS bitcoin rewards card and checking ac...
Fiat covered by a real deposit guarantee — 5/10Trade-off: The homepage says "Rest easy with insured custody" and /buy-bitcoin says "Insured Dep...
41score
your cost/yr
Check availability for your country
Fold · foldapp.com. Provider links appear once we know which country you are browsing from: ChainChoice links to providers only where it serves in full.
Commission: This provider pays ChainChoice nothing for this link. Disclosure
Crypto products are high risk. Check the provider is authorised where you live before you deposit.
Ranked on 4 published criteria weighted 35/25/25/15, which set goal alignment — 30 of the 86 points. The rest: regional access 20, evidence depth 18, ease of use 10 (constant here), institutional trust 8 (constant here). Profile match is shown in breakdowns but carries no weight.
How you can lose money here, and what the ranking scores
Insolvency failure: the firm or issuer that owes you cannot pay.
Scored by Fiat covered by a real deposit guarantee · 35% (Revolut 7/10, Xapo Bank 8/10, N26 8/10)
Scored by What happens to your coins if they fail · 25% (Revolut 7/10, Xapo Bank 7/10, N26 4/10)
Regulatory failure: no licence where you are, or a forced market exit.
Scored by Verified authorisation on both legs · 25% (Revolut 8/10, Xapo Bank 9/10, N26 7/10)
Not assessed by this ranking: Control failure, Liveness failure, Custody failure, Execution failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means.
Also scored, as cost, quality or a summary of several families: Computable conversion cost (15%).
Audit
Infrastructure
Methodology
2026.11.1
published 10 November 2026
Providers tracked
860+
across 121 categories
Last verified
3 November 2026
newest dated pricing or sentiment read
Named on the roster
2 people
managing directors · 6 automated processes
Decision guide
What matters most before choosing in this category
Weighted on fiat covered by a real deposit guarantee (35), what happens to your coins if they fail (25), verified authorisation on both legs (25), and computable conversion cost (15). The heaviest is fiat covered by a real deposit guarantee: Is the cash balance covered by a statutory deposit guarantee scheme (FSCS, FDIC, an EU DGS, or an equivalent) at the exact legal entity you contract with — or is it merely 'safeguarded' e…
How much CASH would sit in this account, and do you believe it is protected?
Which legal entity holds your coins, and is it licensed to custody them?
Have you checked this provider on its regulator's own public register, rather than its website?
Strong starting point
The #1 overall and the scoring weights
RE
RevolutData checked Nov 2026
Licensed UK bank with crypto trading run by a separate group entity
Licensed UK bank with crypto trading run by a separate group entity. Strongest on verified authorisation on both legs (8/10): Revolut Bank UAB holds Bank of Lithuania banking licence LB002119, and Revolut Digital Assets (Europe) Ltd is a CySEC MiCA crypto provider. The Lithuanian register lists four sanctions, including a 3.5 million euro anti-money-laundering fine in April 2025. UK crypto runs on an FCA money-laundering registration. Weakest on fiat covered by a real deposit guarantee (7/10). Published price: Revolut Ltd retail crypto fees (PDF v1.1.8, timestamp 1786438530 = 11 August 2026; read 3 November 2026).
Best forVerified authorisation on both legs — 8/10
Main tradeoffTwo things buried in the fee PDF: on withdrawals, "If the network fee you pay exceeds the final network fee that we incur, we will keep the difference" — Revolut pockets the gas overage; and on staking, it "may deduct a percentage of between 0% and 50% from the rewards", a range so wide it is not a price. Also, the UK Personal Terms say "The money in your Account isn't covered by the Financial Services Compensation Scheme (because it's safeguarded instead)", and your crypto sits in a different company with a different FCA number.
Verify before signupRevolut Ltd retail crypto fees (PDF v1.1.8, timestamp 1786438530 = 11 August 2026; read 3 November 2026). Standard and Plus pay the greater of a minimum fee (GBP: 0 ≤ x < 2 → 50% of trade size; 2 ≤ x < 5 → £0.99; 5 ≤ x < 25 → £1.49; 25 ≤ x < 100 → £1.99; 100 ≤ x < 150 → £2.49; 150 ≤ x < 200 → £2.99; "A minimum fee does not apply to transactions over £200") or "A flat percentage fee of 1.49%". Premium and Metal: minimum fee (0 ≤ x < 2 → 50%; £0.99 / £1.49 / £1.99 up to £200) or "A flat percentage fee of 0.99%". Ultra: minimum fee (50% below £2; £0.99 up to £200) or 30-day volume tiers 0.49% / 0.39% / 0.29% / 0.19% / 0%. Fair usage fee (Standard and Plus, stated to apply to exchanges in stablecoins): "Standard: 1% fee charged for exchanges over £1,000"; "Plus: 0.5% fee charged for exchanges over £3,000". No custody or deposit fees. Withdrawal: "The Revolut service fee is 1 GBP (or equivalent in local currency) for XRP, XLM, DOT, SOL, AVAX, XTZ, ALGO, and ADA, and 3 GBP (or equivalent in local currency) for all other cryptocurrencies", plus network fee; "If the network fee you pay exceeds the final network fee that we incur, we will keep the difference." Staking: "Revolut may deduct a percentage of between 0% and 50% from the rewards earned on your staked assets". Spread: "Market spread is a cost already included in the price quoted to you when you place an order and is not an additional fee added by Revolut Ltd."
Weighted criteria
Fiat covered by a real deposit guarantee35%
What happens to your coins if they fail25%
Verified authorisation on both legs25%
Computable conversion cost15%
Methodology
How this category is reviewed
Reviewed on fiat covered by a real deposit guarantee, what happens to your coins if they fail, verified authorisation on both legs, and computable conversion cost.
The order on this page is the published ranking for this category. Every criterion, weight and source behind it is on the methodology page.
Frequently asked
Questions people ask before choosing neobanks
What is the best crypto neobank for everyday use?
The one where you know which balance is protected and which is not. An account holding both cash and crypto is usually covered on neither leg the way a bank account is, and cash held at a partner bank behind a fintech may not be covered at all.
Are crypto neobanks actually worth it?
Rarely as stated. One provider in this pool advertises insured deposits on its homepage while its own SEC filing describes the position differently, and another shut down after a partner's collapse froze customer funds — which is precisely the risk the category's marketing downplays.
What matters most when choosing a crypto neobank?
Whether the cash is genuinely covered by a deposit guarantee, and who holds the coins if the company fails — 60% of the weight between them. Authorisation is verified on the regulator's public register, not taken from the company's own page.
Reviewed3 November 2026Method4 criteriaCategorycrypto_neobanks
Not financial advice · For informational purposes only · Always do your own research
