How we score crypto neobanks

From the bank's legal documents and from regulators. Pricing-plan pages and fee PDFs give the crypto costs. Terms and help-centre pages say which company provides the crypto service, which is often not the bank itself. Registers confirm each licence. Revolut's EU crypto service, for instance, is run by Revolut Digital Assets (Europe) Ltd, authorised by CySEC as a MiCA crypto-asset service provider.

Deposit-protection schemes are read at the source. The UK's FSCS limit is £120,000 from December 1, 2025 and applies to deposits; the FCA tells consumers that FSCS protection for crypto is "highly unlikely". In the US, the FDIC says its insurance does not cover crypto assets.

Review sites, comparison tables and social posts are never evidence. A claim that only appears there does not appear in our review.

What changes from country to country?

• UK: bank deposits are covered by the FSCS up to £120,000, but the FCA says protection for crypto is "highly unlikely".
• EU and EEA: the company running the crypto service needs a MiCA licence, which the review checks on the regulator's register (CySEC, in Revolut's case).
• US: FDIC insurance does not cover crypto assets, even when you buy them through an insured bank's app.

Through four checks, in this order. A neobank review that fails any of them does not ship.

1. Claim ledger. Every factual statement (fees, dates, licences, incidents, user numbers) goes into a table with its current value, the source URL, the publisher, the source's own date and the date we opened it. We cut any claim that has no fetched source.
2. Adversarial challenge. A separate second pass re-opens the sources for every high-stakes item (money, licences, incidents, lawsuits) plus a random 30% of the rest. Where the two passes disagree, the challenge wins.
3. Sentence-level QA. On the finished draft, every sentence that states a fact must map to a ledger row or a fetched source. We fix or delete any sentence that does not map.
4. 100-point audit. The audit scores the finished page out of 100 on content quality, search optimisation, sourcing and expertise signals, technical structure and how easily search and AI tools can cite it. Below 75, the page does not ship. The target is 85.

What does a catch look like?

The first research pass on Revolut proposed saying that EEA plans start from €3.99. The challenge pass opened Revolut's pricing pages country by country on October 16, 2026 and found lower prices. In Germany the Plus plan costs €2.99. The review says instead that EEA prices vary by country and names one, instead of giving a single floor that was wrong.

The methodology overview covers the full process and how it changed in October 2026.

No. Skrumble does not open bank accounts, deposit money, buy crypto through them or contact their support. Every neobank review is documented desk research with dated sources.

A score cannot tell you how long onboarding took for one person or whether a specific transfer was held for review. It tells you what the bank's documents promise and charge, who regulates each part of the service, and, as more banks are reviewed, how it compares with them. Where a fee depends on your plan or country, the review shows the range from the published documents.

Our target is at least every six months, and each neobank review shows the date it was last updated. Our only neobank review so far was re-researched on October 17, 2026 under the four-check process set out on this page.

These events trigger an earlier check:

• a change to pricing plans or to crypto fees in any region we cover
• a new banking licence, or a restriction placed on one
• crypto services launching or closing in a country
• a change to the company that provides the crypto service
• a fine or enforcement action

Tell us through the contact page, with the claim and the source that contradicts it. We re-open the primary source. If the review is wrong, we correct it, re-check any pillar score the fact feeds, move the review's updated date and record the change and its source in the research file.

When a correction changes a score, the table on this page changes too, because both read the same data.

No. The overall score is calculated from the five pillar scores and nothing else, so commission terms have no way into it. Today the neobank review does not link out with a referral code. The Visit button opens the bank's own website.

If a review ever links out through a partner link, Skrumble can earn a commission when you open an account, and the Visit buttons on reviews are marked as sponsored links. Our country guides to crypto-friendly banks rank only banks with a published review, and they can ship with no ranked pick at all when no reviewed bank fits that country. No bank approves a review before it is published. The full disclosure is on how we make money.