category.crypto_neobanks.label

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?

Gibraltar-licensed private bank holding USD and bitcoin side by side. Strongest on fiat covered by a real deposit guarantee (10/10): Its own Depositor Information Sheet (last updated 6 January 2026) states eligible deposits in Xapo Bank Limited are protected by the Gibraltar Deposit Guarantee Scheme, "Limit of protection: £120,000 per depositor per credit institution", reimbursement in "Seven working days". It is the only provider here that also… Weakest on published, computable cost to convert (3/10): $1,000/year membership is charged before a single satoshi is bought, and the site publishes no BTC buy/sell fee or spread at all — the pricing page is a membership page, not a fee schedule. A buyer cannot compute cost-to-convert from published material. Published price: "Xapo membership for USD $1000 /year" (membership required; 30-day refund trial). Interest: "Earn Up to 4% APY... in Bitcoin on both your USD and BTC", footnoted as "targeted returns and forward-looking projections, not guarantees". No fiat-to-BTC conversion…

Best for: Fiat covered by a real deposit guarantee — 10/10

Licensed UK bank with crypto trading run by a separate group entity. Strongest on verified authorisation on both legs (10/10): The only provider here with all three legs verified on official registers: PRA/FCA bank authorisation (FRN 981170), FCA e-money authorisation (FRN 900562, on the FCA's downloadable E-Money Firms CSV dated 2026-08-03), and a CySEC MiCA CASP authorisation on ESMA's interim register (20/10/2025). No securities-regulator… Weakest on published, computable cost to convert (4/10): The "whichever is greater" construction is punitive at retail size: a £5 trade on Standard pays the £1.49 minimum fee (29.8% of the trade), and anything under £2 pays "50% of trade size". On top of the stated fee, the rate itself is "set by us, based on the rate that the crypto exchanges offer us" and the document… Published price: Standard/Plus crypto exchange fee is "whichever is greater of either" a minimum fee or a tier: minimum fee table reads "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"…

Best for: Verified authorisation on both legs — 10/10

Austrian broker with three MiCA licences but no banking licence. Strongest on verified authorisation on both legs (8/10): Three separate MiCA CASP authorisations verified on ESMA's own register (FMA 09/04/2025, BaFin 24/01/2025, MFSA 27/01/2025) — more EU regulatory surface than anyone else in this set — plus an FCA-regime UK entity. Held below 9 because there is no banking or credit-institution licence, so the fiat leg never reaches… Weakest on fiat covered by a real deposit guarantee (3/10): Bitpanda is not a bank anywhere, and its own Earn Product Terms (v1.0.0, dated 13 November 2025) say so bluntly: "Earn Transactions are not covered by any deposit protection scheme. Accordingly, there is no regulated custody status and no asset protection. You therefore bear the full insolvency and default risk of… Published price: "The premiums for buying and selling Bitcoin on Bitpanda are 0.99%." and, three paragraphs later, "You can now see the exact fee applied to each trade, which ranges from 0.00% to 2.49%." Premiums "are already included in the offered prices". "All fiat…

Best for: Verified authorisation on both legs — 8/10