Crypto Neobanks · Scoring methodologyTested17 MAY 26
How we score neobanks
Every neobanks we review is scored on the same 5 pillars, with the weights below. The overall score is a weighted average, same math we use for every silo.
By Skrumble EditorialLast revised Re-tested every 6 months, sooner after major feature releases or pricing changes
Crypto Feature Breadth
25% weight- Buy/sell + send/receive support
- Staking and earn product depth
- Self-custody withdrawal availability
- Lightning / L2 / multi-chain support where relevant
Banking Features
25% weight- IBAN / virtual account number support
- Multi-currency fiat balances
- Debit card network and rewards
- International transfer cost vs market mid
Fees
20% weight- Crypto trading fee at each tier
- FX fee on non-card-currency spend
- Monthly account fees per tier
- ATM withdrawal limits and over-limit fees
Asset Coverage
15% weight- Number of supported crypto assets
- Number of supported fiat currencies
- Listing breadth vs dedicated exchanges
- Regional restrictions on coin availability
Trust & Compliance
15% weight- Regulatory licensing in primary operating market
- Deposit insurance status (FDIC, FSCS, FSCS-equivalent)
- Historical incidents (de-listings, freezes, outages)
- Brand transparency on incidents and fee changes
— How we test —
We open a real account, fund it with a fiat bank transfer, run a $200 crypto buy-and-sell cycle, and attempt a self-custody withdrawal where supported. We benchmark each tier's headline fees against the actual fee charged on a representative trade. Banking features (IBAN, multi-currency, card spend) get a hands-on test where the platform allows it in our test country.
— How the overall score is calculated —
overall = crypto_feature_breadth * 0.25
+ banking_features * 0.25
+ fees * 0.20
+ asset_coverage * 0.15
+ trust_compliance * 0.15Result is rounded to one decimal. We use a 0-5 scale because the human eye reads "4.2/5" more accurately than "8.4/10" or "84/100".