1. Operator and scope
This website (neobanks.guide) is operated by Kulik Media UG (haftungsbeschränkt), a German Unternehmergesellschaft. Full company details are in the imprint.
By using this website, you agree to these Terms of Service. If you do not agree, do not use the site.
2. Nature of content — informational, not advice
The content on this website is editorial and informational only.
It is not:
- Financial advice or a personal recommendation under MiFID II
- Investment advice or portfolio management
- Tax, legal, or regulatory advice
- An offer or solicitation to buy or sell any financial product
- A substitute for independent professional advice
We compare neobanks and report our opinion based on published information and our own research. We cannot assess your individual financial situation, and you should consult a qualified professional before acting on anything you read here.
3. Accuracy
We take reasonable care to verify facts at the time of publication — regulatory status, fees, product features — but the neobank market moves fast. Information on this site may be outdated, incomplete, or incorrect by the time you read it. Before signing up for any product, verify the current terms directly with the provider.
We correct errors when notified. Email corrections@neobanks.guide.
4. Third-party products and links
This site discusses third-party financial products (Revolut, N26, Wise, bunq, others). We are not affiliated with these companies in any corporate capacity. We are not responsible for the accuracy of third-party websites, the terms and conditions of third-party products, or losses arising from using third-party services.
5. Affiliate relationships
We earn commissions when readers open accounts through certain links on this site.
These are affiliate links. We disclose this on every page containing them and in the dedicated ledger. Affiliate relationships do not influence our editorial rankings or opinions. We cover products regardless of whether they offer an affiliate programme, and we rank them on regulatory safety, user experience, and pricing — not on commission paid to us. Our methodology is public.
6. User conduct
You agree to use this site lawfully. Specifically, you will not:
- Attempt to gain unauthorised access to our systems
- Scrape content at rates that burden our infrastructure
- Misrepresent our content or strip attribution when citing us
- Use our content to mislead third parties (fake reviews, fabricated quotes)
7. Intellectual property
All original content on this site — writing, tables, methodology, design — is copyrighted by Kulik Media UG unless otherwise stated. You may quote short passages with attribution and a link back. For republishing or longer excerpts, contact us first.
Brand names, logos, and product descriptions referring to third parties (Revolut, N26, Wise, etc.) belong to their respective owners and are used under fair-use principles for editorial comparison.
8. Disclaimer of warranties
This site is provided "as is." We make no warranties — express or implied — about the accuracy, completeness, or timeliness of content. To the maximum extent permitted by law, we disclaim all implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
9. Limitation of liability
To the maximum extent permitted by law, Kulik Media UG is not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this site or from financial decisions made based on its content. Our maximum liability to any user in any calendar year is capped at €100.
This limitation does not apply to: liability for wilful misconduct or gross negligence, liability under the German Product Liability Act, or other liability that cannot be limited by contract under mandatory German law.
10. Changes to the terms
We may update these Terms when the law changes or our practices change. The "last updated" date reflects the most recent revision. Continued use of the site after changes means you accept the updated terms.
11. Governing law and jurisdiction
These Terms are governed by German law. Exclusive place of jurisdiction for disputes with merchants, legal entities under public law, or public-law special assets is Berlin, Germany. For consumers, the statutory rules apply — you can sue or be sued in the country where you have your habitual residence in the EU.
12. Online dispute resolution
The European Commission provides a platform for online dispute resolution: ec.europa.eu/consumers/odr. We are not obliged and not willing to participate in dispute resolution proceedings before a consumer arbitration board.
13. Contact
For questions about these Terms: hello@neobanks.guide.