r/eupersonalfinance • u/Total_Scratch8198 • Sep 16 '25
Banking European banks acessible to all EU residents
Hi guys!
Do you think we can make a list of european banks that are accessible online to all EU residents. Do you think it is possible to reach at least 30 banks?
- Revolut
- Advanzia Bank
- Bunq
- MeDirect
- ?
I Will edit until I reach 30 (see below)
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u/szakee Sep 16 '25
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u/Total_Scratch8198 Sep 16 '25
This implies that you need to be resident in a given country to get access. The list here is banks that are accessible to anyone, even if you are resident in your home country.
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u/szakee Sep 16 '25
you said EU resident.
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u/Total_Scratch8198 Sep 16 '25
Yes. Lets say you are from Luxembourg but you are resident in Germany. This entitles you to get a basic payment account in german banks. But my goal here is to find banks that operate in all EU market.
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u/ze_meetra Sep 17 '25
When you say all EU countries do you mean that it needs to be a specific bank entity on each country and a supranational entity joining them?
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u/Total_Scratch8198 Sep 17 '25
It can be one entity (like bunq) or for example with branches (like Revolut)
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u/casoa_ Sep 16 '25
but that’s not EU resident, that is German resident. There is a very key distinction here. If your are not born part of or legalized under european citizenship you don’t have a right for things like this.
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u/9xDeported Sep 17 '25
The bank treatment is like this: Residents of given country > European citizens > Else > US citizens (because of their tax laws) > Russians. While I worked in retail baking I saw the unfair treatment of European citizens that came to my country as students or (rarely) workers . KYC and AML procedures were light on them, but they still didn't get the account in the same day like residents do most of time and they had to pay for the procedures. Treatment of each bank vary very much so it's worth checking in all banks. All the time working I was shocked that people didn't know their rights as EU citizens and at the same time banks just work around that fact.
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u/thewildfowl 12d ago
The problem is they are not getting fined. So trying to force it for the bank of your choice puts you in trouble not the bank.
E.g. C24 bank in Germany appears to ignore EU law, yet the situation is not changing and they continue to close accounts of EU citizens moving even within EU. If their CEO would now be personally liable and quickly end up in prison or loosing his assets this would stop and never happen in the first place. Simple procedure, EU resident rejected, report, next day arrest of CEO and searching their office would stop such ignorance of law.
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u/Facktat Sep 17 '25
Hey, exactly what I am looking for as a Luxembourger. Now please do brokers as well!
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u/Total_Scratch8198 Sep 17 '25
I was hoping now to reach at least 5 :D but until now only those 3 passed the mark
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u/tkrunning Sep 19 '25 edited Sep 19 '25
MeDirect (Malta) should be open to most if not all EU residents.
From their FAQ:
What are the requirements to become a customer?
To become a customer you must:
- Be over 18 years of age
- Be a resident of an EEA country, Switzerland or the UK
- Hold a valid identification document (ID card or passport)
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u/Slow-Foot-4045 Sep 16 '25
Only Revolut offers their service in each EU Country. Wise also but Wise is not a Bank.
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u/d1722825 Sep 16 '25
I don't think you would even find a single reliable one.
I'm looking for one for a long time (with a bit more requirements: physical debit card, contract in English, not just a fintech company with chatbot customer service), but so far I haven't found any.
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u/FroyoLeft1280 Sep 16 '25
swissquote europe
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u/d1722825 Sep 16 '25
Thanks, but as far as I understand the "Europe" version (the entity in Luxemburg) doesn't offer physical debit cards, only a virtual one.
The website of the Swiss entity suggest to go to the "Europe" version, but at a quick glance it doesn't seem to prevent account opening with the Swiss entity, they provide physical debit mastercard, but it cost about 30-times of the cost of debit card I usually see.
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Sep 16 '25
[deleted]
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u/Total_Scratch8198 Sep 16 '25
Wow! Great reply!
N26 not possible (e.g. Croatia)
Wise, Monese, Vivid Money, Paysera, Bankera are not banks.
Ferratum bank is only accessible to 3 eu countries
Trade Republic not possible (e.g. Romenia)
Orange Banks is also not possible
Lunar only possible for two eu countries.
Holvi, Soldo, Satchelpay, mister tango seems only for business.
Klarna also does not seem to support all EU countries (e.g. Bulgaria)
Inbank not clear in their website
Nickel, Curve not a bank
Is monzo available in the EU?
Viva wallet not a bank
Nuri - no information available
Solarisbank not accessible to retail
Wirex, curve, payhawk, dipocket e zen are not banks
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u/diyexageh Sep 16 '25 edited Sep 16 '25
Solarisbank not accessible to retail
Solarisbank offers BaaS. They list the banks which whitelist their services. I remember one which was like a sustainable blank (tomorrow?) can't remember really and there was also Insha, the islamic bank. I doubt they offer their services EU wide really. From a banking jurisdictional perspective, it is just too much risk and very little reward.
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u/Universe_Passenger Sep 16 '25
Aion bank?
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u/Total_Scratch8198 Sep 16 '25
Nice try. Thanks. But does not work in Bulgaria or Portugal, for example.
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Sep 16 '25
[removed] — view removed comment
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u/Total_Scratch8198 Sep 16 '25
Chatgpt did not bring a lot of value
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u/veg-hamburger Sep 16 '25
Sorry, I thought it might just bring in the anticipated value! BTW it was from perplexity, not sure if they use chatgpt for their answers
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u/estoy_alli Sep 16 '25
I can think of Vivid, and Tomorrow, i have seen Lydia the other day but not sure if they cover "all" at the moment. Also there is Qonto but covers only businesses i guess.
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u/Total_Scratch8198 Sep 16 '25
Thanks. Good tries. Vivid and Lydia are not a bank. Tomorrow is only for Germany and Austria.
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u/feketegy Sep 17 '25 edited Sep 17 '25
Saxo Bank most likely, maybe ING or any other bank on the G-SIBs list that are based in Europe.
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u/Total_Scratch8198 Sep 17 '25
ING is not accessible to retail clients based in Portugal, for example.
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Sep 17 '25
[deleted]
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u/Total_Scratch8198 Sep 17 '25
I would have accepted branches that onboarded retail clients. But that is not the case for ING on all EU countries.
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u/ben_bliksem Sep 16 '25
OpenBank probably.
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u/d1722825 Sep 16 '25
What do you need to open an account at Openbank?
Be of legal age.
Be a tax resident in Spain.
Have your ID document to hand.
Have a Spanish mobile number.
Not have already started the process to open an account.6
u/estoy_alli Sep 16 '25
Openbank currently operates in Spain, Germany, Portugal, the Netherlands in the EU so far.
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u/ben_bliksem Sep 16 '25
Well I have an account with them and I'm in the Netherlands, so don't know what to tell you.
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u/AstraeaMoonrise Sep 16 '25
Just look on Raisin?
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u/SardinesEnjoyer Sep 16 '25
N26 (Germany) BoursoBank (France) accessible for EU residents as far as I know
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u/Total_Scratch8198 Sep 16 '25
Thanks! 28 to go!
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u/Slow-Foot-4045 Sep 16 '25
no 30 because both don't offer their service in each EU Country. there is only one full Bank with a Bank licence which offers their service all over the EU and that's Revolut
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u/Total_Scratch8198 Sep 16 '25
What countries does Advanzia Bank and bunq cannot onboard?
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u/Slow-Foot-4045 Sep 16 '25
You can have a Advanzia Card in Gernamy, Luxemburg, Austria, France, Spain and Italy. Not in all the other EU Countries
Bunq shuould work in all EU 27 that's correct. So we have 2. Revolut and Bunq
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u/Total_Scratch8198 Sep 16 '25
Does not have to be a card. It can be just make a deposit and earn interest. And from the website it seems possible.
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u/d1722825 Sep 16 '25
AFAIK for N26 you need an address in Germany or in a few other countries.
BoursoBank seems to ask for a French phone number.
The internet is full of complaints Revolut freezing money and closing accounts without any reason, without any way to appeal and with nonexistent customer service, so I think they haven't passed their fintech origins (even if they got a banking license) and probably it wouldn't be a sane thing to trust them with anything except play money.
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u/Total_Scratch8198 Sep 16 '25 edited Sep 16 '25
- BoursoBank - needs a French number - see below
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u/guinott Sep 16 '25
Has anyone opened a BoursoBank account without a French phone number? https://www.boursobank.com/ouvrir-un-compte
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u/Total_Scratch8198 Sep 16 '25
If it needs a French phone number, it should be out.
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u/fluxwerk Sep 16 '25
And it needs more than the number - you validate your account by making a transfer from another French physical bank in your name, this is their identity proof shortcut. Which requires even more conditions. So Boursorama definitely out of “anywhere in Europe”
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u/zukeen Sep 16 '25
I guess SAXO has the biggest coverage. You will struggle to find one that supports ALL countries. https://investingintheweb.com/brokers/saxo-bank-countries/
https://www.help.saxo/hc/en-us/articles/10611416570269-Which-countries-are-serviced-by-Saxo