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operator disclosure.

Operator disclosure under the EU E-Commerce Directive, as transposed into Cyprus law. Operator identity, editorial responsibility, ODR notice, and copyright statement.

01
Legal entity

Who runs this site, and how to reach them.

Operator

Neobanks Guide is operated by Stephan Kulik, a private individual based in Cyprus · Address: 111 Chlorakas Avenue, Shop 9, Suite 546, 8220 Chloraka, Paphos, Cyprus · Email: hello@neobanks.guide

The operator is a private individual, not a registered company, and is not VAT-registered (turnover is below the registration threshold). For correspondence requiring the full postal address, contact hello@neobanks.guide.

Responsible for editorial content

Stephan Kulik · Email: stephan@neobanks.guide · Profile: Stephan Kulik — Editor

Professional liability disclaimer

Despite careful checking of content, we assume no liability for the content of external links. The operators of linked pages are solely responsible for their content. Likewise, we assume no liability for the content of our site being used as the sole basis for financial decisions — see Terms of Service, Section 2.

EU online dispute resolution

The European Commission provides a platform for online dispute resolution (ODR) at: ec.europa.eu/consumers/odr. We are not obliged and not willing to participate in dispute resolution proceedings before a consumer arbitration board.

The content, design, and code on this site are protected by copyright under Cyprus and EU law. Reproduction, adaptation, distribution, or any form of use beyond the scope permitted by copyright law requires the written consent of the operator. Downloads and copies of this site are permitted only for private, non-commercial use.

Brand names, logos, and product descriptions referring to third parties (Revolut, N26, Wise, and other neobanks covered on this site) are the property of their respective owners. We use them under fair-use principles for editorial comparison.

Privacy and data protection

Our processing of personal data is described in the Privacy Policy. For any data protection questions: privacy@neobanks.guide.

About the site

Neobanks Guide is an independent editorial comparison site for EU digital banks. We earn commissions when readers open accounts through certain affiliate links — disclosed on every page containing such links and in our full disclosure. Affiliate relationships do not influence editorial rankings; see our methodology.