Independent fintech intelligence
Track how the world's neobanks are really doing.
Ratings, reviews and sentiment for 83 neobanks and 67 crypto exchanges - aggregated from Trustpilot and the app stores, segmented by country, updated every month.
Neobanks
View all →ZEN.COM
★ Featured by our editorsPoland · 81K reviews
Currensea
United Kingdom · 35K reviews
Afterpay
Australia · 407K reviews
Starling Bank
United Kingdom · 815K reviews
Monzo
United Kingdom · 622K reviews
Atom Bank
United Kingdom · 113K reviews
Varo Bank
United States · 239K reviews
Wise
United Kingdom · 2.6M reviews
Acorns
United States · 1.4M reviews
Revolut
United Kingdom · 5.7M reviews
Cora
Brazil · 123K reviews
Cash App
United States · 13.3M reviews
Change detection
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Sentiment tracking
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Rating momentum
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Where the money actually goes
All 14 charts →Transcribed straight from the companies' own annual reports - what came in on the left, what it was spent on and what survived as profit on the right.
Show the figures as a table
| Line item | Direction | Amount |
|---|---|---|
| Fee income | Income and profit kept | £3,429m |
| Interest income | Income and profit kept | £974.2m |
| Other income | Income and profit kept | £112.4m |
| Total inflows | £4,516m | |
| Fee expense | Costs and tax | £767.2m |
| Interest expense | Costs and tax | £83.0m |
| Credit losses - lending | Costs and tax | £61.2m |
| Credit losses - non-lending | Costs and tax | £19.9m |
| Other operating expenses | Costs and tax | £66.7m |
| Administrative expenses | Costs and tax | £1,804m |
| Tax | Costs and tax | £408.6m |
| Net profit | Kept | £1,305m |
Source: Annual Report 2025 · Read the analysis: what fintechs spend most on
Also charted: Affirm · Allica Bank · Atom Bank · Cash App · Chime · Coinbase · Gemini · Kraken · Monzo · N26 · Payoneer · PayPal · Robinhood Crypto
Crypto exchanges
View all →21bitcoin
Austria · 2.9K reviews
Deblock
France · 73K reviews
Strike
Malta · 50K reviews
Trading 212
Cyprus · 375K reviews
Coinfinity
Austria · 562 reviews
HappyCoins
Netherlands · 1.4K reviews
Bull Bitcoin
Global · 476 reviews
Bitstack
France · 20K reviews
Capital.com
Cyprus · 94K reviews