Nebeus vs Revolut UK

Nebeus

Who it suits

• Freelancers and sole traders who invoice in euros and want Free SEPA transfers on the account.
• Small businesses paying suppliers in the single currency, since €0 keeps the running cost at nothing.
• Anyone who wants euro balances covered by EU DGS up to EUR 100,000.

Who should look elsewhere

• Support seekers, because help runs through help centre alone.
• Heavy converters, since the 0.5% charge applies on top of the 0.22% median typical of everyday accounts.
• Wallet-first customers such as PayPal Colombia, at $0, who have no use for a euro IBAN.

Revolut UK

Who it suits

• Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
• Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
• Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.

Who should look elsewhere

• Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
• People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
• Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.