Independent. Every figure dated and sourced.
Points Architect

Neobanks

Neobanks & Multi-Currency Accounts

Four accounts for holding, spending and receiving more than one currency, compared on what a defined month of foreign-currency card spending actually costs rather than on a headline rate.

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4 providers

Holding balances
Fee-free allowance

The first column is calculated, not quoted: it applies each provider's published allowance and conversion fee to the same month of spending, so the numbers are comparable in a way headline rates are not. It carries the oldest verification date of the figures behind it. Sort by any column to re-rank the table; the sorted view has its own address and can be linked to.

Scoring weights

rubric 2026.1

  • FX cost on £1,500/mo spend45%
  • Currency coverage35%
  • Account fee20%

Weights are set once per vertical and versioned. Changing one is a logged version bump, not routine upkeep — see methodology.

Verification state

Dated fields in this table
20
Oldest check
Sep 16, 2026
Most recent check
Sep 16, 2026
Recheck window
30 days
Past that window
0

Ranked for a specific question

The same verified data, ordered by the figure that answers one decision rather than by the overall score.

What this table covers

  • Every fee, allowance and currency count is read off the provider's own current pricing page and dated individually.
  • The headline column prices one scenario: £1,500 of foreign-currency card spending in a single month, with each provider's own published allowance and fee applied to it.
  • Standard published pricing only. Promotional and introductory rates are excluded from the data and from scoring entirely.

What it deliberately leaves out

  • Teaser rates and time-limited promotions. A score that moved because a provider ran a sale is a score nobody can defend.
  • Ease of account opening and quality of support. Neither is published by any provider here, so scoring them would mean inventing them.
  • Interest rates. Advertised rates on these accounts change faster than this vertical's recheck window and are not comparable across jurisdictions.

Every figure above is dated to the last time it was checked against the provider’s own pricing page, not to when this page was published. See methodology for how scores are calculated from those figures.