What makes a Bank?
We consider the following factors to be part of a traditional or neobank offering. This is not a minimum feature set, nor a complete listing of possible features. They represent our editorial choices.
| Account Types | Personal Accounts |
| Business Accounts | |
| Core Features | Deposits |
| Payments | |
| Lending | |
| Regulatory Compliance | Licensing |
| Pricing and Fees | Maintenance Fees |
| Transaction Fees | |
| Overdraft Fees | |
| Customer Support | Presence |
| Dispute Resolution | |
| Technology Stack | Transaction Processing |
| PSD2/Open Banking Compliance | |
| Deposit Protection | Insurance Coverage |
| Payments and Transfers | Domestic Transfers |
| International Transfers | |
| Service Fees | Fees for account features, payments, or other services |
| User Metrics | Public User Count |
| Deposit Activity |
Revolut
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Nubank
Our analysis of what makes Brazil's largest neobank new.