Neobanks & fintechs without residence: accounts for nomads & expats

Confirmed: active email contact (Apr 2026). Full FINMA banking licence. Crypto-focused. Accepts non-residents worldwide.

Digital bank alternative with a personal IBAN, SEPA and SWIFT payments, physical and virtual card. Accessible to EU residents and expats: useful for clients who need an EU banking connection without a local residence.

Free EU IBAN, payment card, up to 5% cashback and an integrated crypto service, all without a monthly fee. Available in several EU countries. Especially relevant for clients with a Malta connection.

EEA residents only. Full banking licence (not an EMI). Useful for Malta and Ireland residents. Very fast account opening.

British savings and investment app with access to fund investments and a general investment account. Relevant for clients with a UK presence or accounts at the British Crown Dependencies.

Cross-border banking platform built for international life: designed for people who live and work across several countries.

Primarily an FX/transfer service with personal accounts. Strong in Malta, Ireland and Georgia. Not a full bank account.

Accepts non-Swiss residents. Full FINMA banking licence. Online opening via video identification. Very broad country acceptance.

US prepaid debit card with bitcoin rewards on every purchase. Crypto back on bill payments and purchases. Relevant for crypto-minded clients with a US LLC.

Non-EEA residents pay €20/month. Philippines and UAE not accepted. Good for Serbia and Georgia.

Philippine residents only. JG Summit + Tyme Group. Instant account opening. Very popular with local expats.

Digital bank from Grab and Singtel: Singapore's best-known digital bank. Personal accounts with FlexiLoan and Savings Pockets. Directly relevant for clients holding a Singapore account.

Free British prepaid debit card with a jar-based budgeting system. Easily accessible for clients building a UK banking connection, without the hurdles of a classic bank account.

Philippine digital bank from EastWest Rural Bank: personal accounts with up to 2.5% interest p.a., free transfers and access to local ATMs. Directly relevant for clients establishing a Philippine residence through our Nomad Starter Package.

Estonian bank with a UK licence: personal banking, savings accounts and banking services for financial institutions. A solid option for clients with UK banking needs.

Built for immigrants to the USA. Accepts passports from many countries without an SSN. Useful for non-residents with a US presence.

Digital bank of the Sea Group (Shopee/Garena) in Singapore. MAS-licensed, personal accounts with simple app banking. Directly relevant for clients with a Singapore account.

UAE residents only. Digital subsidiary of Mashreq Bank. Minimum balance AED 3,000 required.

Philippine residents only. Formerly PayMaya. Very popular. High-interest savings accounts. Full BSP licence.

Portuguese neobank with no account fees. Relevant for clients moving to Portugal, one of Europe's most popular expat destinations.

EEA and UK residents only. Useful for Malta and Ireland residents. Known for acceptance without fixed proof of residence.

Built specifically for non-EU persons. Good for Philippines, UAE and Georgia residents. Broad country acceptance.

Multi-currency accounts with over 70 currencies, dedicated IBANs and personal support. Excellent for internationally positioned clients who operate regularly in several currencies.

Primarily for Swiss residents. Can accept some non-residents with a Swiss address. Simple onboarding.

Luxembourg's first neobank for individuals and the self-employed. CSSF- and ACPR-regulated, open to all industries. Directly relevant: Luxembourg is one of our banking jurisdictions.

State-owned. Built for Filipinos abroad. Opening from abroad possible. Ideal for OFWs (Overseas Filipino Workers).

Originally for freelancers/companies, but usable privately too. Especially popular in the Philippines and Georgia.

Account opening for EEA residents only. Transfer service global. EU-regulated.

Some countries under heightened monitoring (Serbia, Philippines, UAE). Free basic transfers. Broad country acceptance.

Less known, but very broad country coverage incl. the Philippines, Serbia and the UAE. A good option for non-residents.

Philippines not available. Very well known. Full banking licence in Lithuania (EU) plus a UK banking licence. Good for Georgia, Serbia and the UAE. Our full safety analysis: Revolut 2026.

One of Britain's leading neobanks: personal and business accounts, fully digital, opened in minutes. FCA-regulated, FSCS-protected up to £85,000. Very relevant for clients with a UK connection.

MAS-licensed investment platform in Singapore: low-cost wealth management for every investor type. Relevant for clients with a Singapore account who want to invest alongside it.

A British account without a credit check, opened in under 3 minutes. Ideal for clients building a UK banking connection without prior British banking history.

Accepts non-Swiss residents. Full FINMA banking licence. Strong for investments and forex. Very solid reputation.

A digital currency based on physical gold: save, spend and transfer like pounds, but stored in gold. Mastercard debit card included. Interesting for wealth-conscious clients with a UK presence.

Philippine residents only. The first neobank with a full BSP digital-banking licence. Strong savings products.

German neobank for individuals, freelancers and companies: fixed interest on EUR deposits, crypto features, cashback. Relevant as a domestic option for EU-resident clients.

Virtual bank in Hong Kong: personal accounts with simple app banking. Directly relevant for clients holding a Hong Kong account.

UAE residents only. Backed by ADQ and First Abu Dhabi Bank. Full CBUAE banking licence.

The gold standard for multi-currency personal accounts. Not a full bank: an EMI. Accepts almost every country incl. the Philippines, Georgia, Serbia and the UAE.

A premium product at $1,000/year. Bitcoin-focused. Full banking licence in Gibraltar. Accepts non-residents worldwide.

UAE residents only. Prepaid card and wallet, not a full bank account. Good for UAE daily life without a traditional bank account.

UAE payment platform for individuals: fast, secure transfers without hidden fees. Relevant for clients with a UAE banking connection.

Built for people relocating to the USA. No SSN required: passport + visa accepted. A credit card without US credit history.

British regulated bank with personal loans, car finance, credit cards and savings accounts. FCA-regulated, FSCS-protected. A solid option for clients with UK banking needs.