US-headquartered consumer neobank.
The most common reasons buyers tell us they're moving to an EU alternative.
CLOUD Act exposure
US authorities can compel non-EU providers to hand over data even when stored on EU servers — incompatible with strict data-sovereignty contracts.
DPAs & CJEU rulings
Multiple EU DPAs have ruled that data transfer to the US violates GDPR Article 44 without further safeguards.
Procurement requirements
Many EU public-sector and regulated tenders now require EU-jurisdiction software and data residency. Tools listed here meet those requirements out of the box.
Vendor diversity
Reducing dependence on a small number of US hyperscalers and SaaS providers is a strategic goal across many EU governments and enterprises.
Sustainable mobile bank with multi-IBAN sub-accounts, SEPA Instant and weekly savings interest
Mobile bank with euro accounts, instant notifications, sub-accounts and Apple/Google Pay
Sustainable mobile bank that excludes coal and weapons, funding renewables instead
Banking and investing app with sub-accounts, fee-free fractional stocks/ETFs and cashback