Crypto Neobank Cards — Banking Meets Web3

The neobank category is where the crypto-card world meets the conventional financial system halfway. The 10 cards below offer something most pure crypto cards don't: a real IBAN, SEPA/ACH/SWIFT rails, a fiat balance you can hold without converting, and in a few cases (Xapo Bank, Trade Republic) a proper banking licence with deposit protection up to local regulatory caps. The honest 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 honest 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 genuinely lives in both fiat and crypto. If it lives mostly in one, the dedicated product on each side is usually better.