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Facts as published by each provider · Checked [date] · Ratings at launch
| Criterion | Wise | Revolut | N26 | HSBC Expat | Barclays International Banking |
|---|---|---|---|---|---|
| Type | Multi-currency account (e-money) | Digital bank and money app | Digital bank | Offshore expat banking | Offshore expat banking |
| Headquarters | London, United Kingdom | London, United Kingdom | Berlin, Germany | Jersey, Channel Islands | Isle of Man / Jersey |
| Founded | 2011 | 2015 | 2013 | [Year] | [Year] |
| Regulation | Regulated as an e-money institution in the markets it serves; [licence details by country] | Holds a banking licence in the EU via Lithuania; [licence details by country] | German banking licence; deposits covered by the German deposit guarantee scheme | Regulated by the Jersey Financial Services Commission; [deposit scheme details] | [Regulator and deposit scheme by entity] |
| Best for | Frequent currency conversion; Receiving income in several currencies | Travellers and digital nomads; Everyday spending abroad | EU residents needing a local IBAN; Salary and direct debits in euro | Higher balances; People moving between several countries | UK connections abroad; Holding savings offshore |
| Exchange rates and fees | |||||
| Licence and deposit protection | |||||
| Opening from abroad | |||||
| Cards and cash | |||||
| Transfers and local rails | |||||
| Profile | See profile | See profile | See profile | See profile | See profile |
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