Neobank Rating: File Request

Concept

The consolidated provider rating is a working document of our consultancy that we maintain up-to-date and use when selecting a payment scheme for a specific client. It is significantly larger than is convenient to keep in an open article, and is updated more frequently than the wiki edition: licensing statuses change, correspondent relationships too, new providers emerge from under the radar, and old ones sometimes lose capabilities.

Therefore, the file lives separately. To receive the current version by email — fill out the short form at the bottom of the page.

What's in the rating

For each provider, the file includes:

• the legal entity through which the contract with a client from your country is concluded;
• the regulator and public registry where this entity can be verified;
• the license and exact list of permitted operations (not just "the brand has a license");
• availability of SWIFT code, access to SEPA, access to local account details in major currencies;
• availability of cryptocurrency operations and under which license they are conducted;
• composition of correspondent banks for USD, EUR, GBP, SGD clearing;
• average onboarding speed for different types of clients;
• typical reasons for rejection and the type of clients who are usually rejected;
• pricing model: subscription, payment fees, FX margin, hidden costs;
• brand strength and stability — how long the provider has been on the market, what regulatory events it has weathered;
• our internal rating ⭐ from one to three strawberries based on a combination of factors.

In separate columns — notes on typical use cases: marketplace revenue, B2B settlements with Asia, contractor payouts, corporate cards, embedded finance API.

Who receives it

The file is free. We send it to everyone who has submitted the form with real contact details. We do not make additional sales in the email. After sending, our consultant writes one email explaining which providers typically suit the profile from your request, and leaves you the right to decide whether to continue the correspondence or not.

No automated mailings, no follow-up series, no retargeting chains. We tried — it works poorly in our category, because serious clients do not buy financial infrastructure through email marketing.

Request form

In the form we ask for the minimum: last and first name, email for delivery, phone for a possible brief consultation, country of tax residency, brief description of the task (one or two sentences — what kind of business or personal task, what volumes, what currencies).

The task description is needed not for marketing, but so that together with the rating we can immediately send a meaningful letter. Without it, the rating turns into a list without context.

Related materials

• Bank Map

Key factual claims

• In separate columns — notes on typical use cases: marketplace revenue, B2B settlements with Asia, contractor payouts, corporate cards, embedded finance API.