A title of GlobalCitizen.guide by GMC PublishingAll publications
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Money & banking

Our providers

Providers for money & banking — each rated on the same konto24 criteria.

Arthur's summary · Our providers

Money & banking in three points

  1. Exchange rates and fees. How close the exchange rate is to the mid-market rate, and which fees apply to transfers and card use.
  2. Licence and deposit protection. Whether the provider holds a full banking licence with deposit guarantee, or is an e-money institution that safeguards funds.
  3. Opening from abroad. Whether you can open the account remotely, and which proof of address and residence is accepted.

Compared on shared criteria

We use 5 shared criteria. Capability labels are not ratings; unassessed comparisons remain visibly marked.

  • Stärke:Häufige Währungswechsel

    Multi-currency account (e-money)

    Wise

    A multi-currency account and card known for transfers at the mid-market exchange rate with a visible fee.

    Stärke:Häufige Währungswechsel
    See profile
  • Stärke:Reisende und digitale Nomaden

    Digital bank and money app

    Revolut

    A mobile-first account with multi-currency spending, budgeting tools and tiered subscription plans.

    Stärke:Reisende und digitale Nomaden
    See profile
  • Stärke:EU-Bewohner mit Bedarf an einer lokalen IBAN

    Digital bank

    N26

    A mobile bank account with a European IBAN, aimed at residents of the countries it serves.

    Stärke:EU-Bewohner mit Bedarf an einer lokalen IBAN
    See profile
  • Stärke:Höhere Guthaben

    Offshore expat banking

    HSBC Expat

    Offshore banking for internationally mobile people, with multi-currency accounts and wealth services.

    Stärke:Höhere Guthaben
    See profile
  • Stärke:Verbindungen zum Vereinigten Königreich im Ausland

    Offshore expat banking

    Barclays International Banking

    International accounts for people living abroad, held outside the UK mainland.

    Stärke:Verbindungen zum Vereinigten Königreich im Ausland
    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