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.
Disclosure Links to providers on this page earn this site nothing. They go to the provider’s own site unmodified, with no tracking parameters. If that ever changes, this notice changes with it. Full disclosure.
The comparison
4 providers. Sort any column; the sorted or filtered view has its own address and can be linked to.
1 of 4 providers · Clear
- FX cost on £1,500/mo
- £0.00
- Conversion fee
- None
- Fee-free allowance
- None
- Currencies held
- 1
- Monthly fee
- Free
- Free ATM withdrawals
- 2 withdrawals/mo in euro; 1.7% outside the eurozone
Every figure here was checked against the provider’s own page in Sep 2026.
Segments show the tier reached, not the score:BasicStandardStrongExcellent
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%
Set once per vertical and versioned. Changing a weight is a logged version bump, not routine upkeep — methodology.
Verification state
- Dated fields in this table
- 20
- Oldest check
- Sep 2026
- Most recent check
- Sep 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.
Scope
What the figures cover, and what is deliberately absent — an omission a reader cannot see looks like an oversight.
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 leaves out, and why
- 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.