Crypto neobank cards
Highest on our score right now: Trade Republic Card (4.0/5), Tria Card (3.9/5) and Tuyo Card (3.9/5).
The neobank category is where the crypto-card world meets the conventional financial system halfway. The 7 cards below are the products we class as crypto neobanks, and they are uneven. Xapo Bank and Trade Republic hold proper banking licences, give you an IBAN in your name and protect deposits up to the local cap. Tuyo opens a EUR IBAN and a US account through Bridge. Tria, Emoney and UltimoPay publish no IBAN of their own, and BipTap advertises one only on its paid PRO account, held with a provider it does not name, so check the banking line on each card page before you plan to be paid into one. The argument for a crypto neobank over a normal one is narrow but specific: you can receive a USD or EUR salary, hold it as fiat for the bills you need to pay, and shift the rest into crypto without leaving the app. The argument against is that you're paying neobank fees for crypto features you might not use, and crypto fees for banking features that aren't quite as good as a dedicated EU neobank like Wise or Revolut. Pick this category if your everyday financial life runs in both fiat and crypto. If it lives mostly in one, the dedicated product on each side is usually better.
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