Money & banking
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Provider information side by side. This title is in preparation; unassessed criteria are marked. Capability labels are not independent awards.
Arthur's summary · Compare providers
Money & banking in three points
- Exchange rates and fees. How close the exchange rate is to the mid-market rate, and which fees apply to transfers and card use.
- Licence and deposit protection. Whether the provider holds a full banking licence with deposit guarantee, or is an e-money institution that safeguards funds.
- Opening from abroad. Whether you can open the account remotely, and which proof of address and residence is accepted.
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Side by side
Facts as published by each provider
| Criterion |  Wise logoWise |  Revolut logoRevolut |  N26 logoN26 |  HSBC Expat logoHSBC Expat | Barclays International Banking logoBarclays International Banking |
|---|---|---|---|---|---|
| Type | Multi-currency account (e-money) | Digital bank and money app | Digital bank | Offshore expat banking | Offshore expat banking |
| Headquarters | London, United Kingdom | London, United Kingdom | Berlin, Germany | Jersey, Channel Islands | Isle of Man / Jersey |
| Founded | 2011 | 2015 | 2013 | [Year] | [Year] |
| Regulation | Regulated as an e-money institution in the markets it serves; [licence details by country] | Holds a banking licence in the EU via Lithuania; [licence details by country] | German banking licence; deposits covered by the German deposit guarantee scheme | Regulated by the Jersey Financial Services Commission; [deposit scheme details] | [Regulator and deposit scheme by entity] |
| Best for | Frequent currency conversion; Receiving income in several currencies | Travellers and digital nomads; Everyday spending abroad | EU residents needing a local IBAN; Salary and direct debits in euro | Higher balances; People moving between several countries | UK connections abroad; Holding savings offshore |
| Exchange rates and fees | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] |
| Licence and deposit protection | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] |
| Opening from abroad | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] |
| Cards and cash | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] |
| Transfers and local rails | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] | [Not yet assessed / Noch nicht geprüft] |
| Act now | |||||
| Profile | See profile | See profile | See profile | See profile | See profile |
Talk to a specialist
Arthur answers immediately and, for members, prepares the next steps with the right specialist.
- Which account type fits your situation
- What opening from abroad requires
- How fees compare for your transfer volume