<<snipped spam>> --- Electronic Money Institutions (E-Money Institution, EMI) are a new era in banking with a focus on remote services, mobile apps, and streamlines, simple services. The most noteworthy examples are probably Paysera, LeuPay, and N26. Most of these EMIs are riding on new EU/EEA regulations meant to increase competition in banking, which is why there practically aren’t any from outside this region that offer the same level of services with unique, individual bank accounts (IBAN with SEPA capability for rapid, low-cost EUR transfers within EU/EEA). Many of these institutions do not hold banking licenses and a few are relying entirely on third-party licensing. Nonetheless, no guarantees are made for the accuracy or validity of the information presented here. EMI / Bank Jurisdiction Platform IBAN Card Card country License Platform Bank Restrictions Type Anytime France All France Visa UK Unclear ? R. Raplhael & Sons EU/EEA (not all) All Bred Espace France Web France No N/A Bank BRED BRED France? All Bunq Netherlands Mobile Netherlands Maestro Netherlands Bank Own ? EU/EEA All Deutsche Handelsbank Germany Web Germany No N/A Bank Sofort Own None Business Hello Bank France Web France No N/A Bank BNP BNP France Personal Holvi Finland All Germany MasterCard Germany E-money Wirecard BBVA EU/EEA Business ImaginBank Spain All Spain Bank Caixa Bank Caixa Bank EU/EEA Personal LeuPay Malta / Bulgaria All Malta MasterCard Bulgaria, others E-money Own Satabank None All MisterTango Lithuania Web Lithuania No N/A E-money Own SEB None All Monese Estonia Mobile UK domestic, aggregate IBAN Visa UK E-money Own Lloyds EU/EEA Personal MoneyPlusCard Malta Web Malta No N/A E-money ? ? ? All N26 Germany All Germany MasterCard Germany Bank Own Own EU/EEA (not all) Personal, sole trader PayMix Malta Web Malta MasterCard Malta E-money Own ? None All Paysera Lithuania All Lithuania Visa UK E-money Own SEB None All Revolut UK Both UK domestic, aggregate IBAN MasterCard UK E-money ? ? EU/EEA Personal Swirl Card Ireland Web Unclear MasterCard ? Unclear ? ? Ireland, UK Personal Viabuy Germany Web Germany MasterCard Germany Unclear PPRO ? EU/EEA Personal Worldcore Czech Republic Web Czech Republic MasterCard Gibraltar E-money Own ?