EU neobanks with free credit card top-up + free instant SEPA transfers. Since the 2025 EU Instant Payments Regulation, all EU banks offer instant SEPA at no extra cost — the differentiator is CC top-up cost.
Comparison
| Bank | IBAN | Free CC/mo | Fee after | Max/mo | Daily limit | Apple Pay |
|---|---|---|---|---|---|---|
| Revolut | Multi (LT/GB/FR...) | up to 5.000€ | Varies by plan | 5.000€ | — | ✅ |
| bunq Free | NL 🇳🇱 | 500€ | 0,5% | 2.000€ | 500€/day | ✅ |
| Vivid Standard | DE 🇩🇪 | 200€ | 1% (min 0,49€) | 5.000€ | — | ✅ |
| Vivid Plus (6,90€/mo) | DE 🇩🇪 | 500€ | 1% | 5.000€ | — | ✅ |
| Vivid Prime (9,90€/mo) | DE 🇩🇪 | 1.000€ | 1% | 5.000€ | — | ✅ |
| N26 | DE 🇩🇪 | ⚠️ ~1,5% always | 1,5% | Varies | — | ✅ |
| Wise | BE 🇧🇪 | ⚠️ 1,5-2,5% always | Same | No limit | — | ❌ |
| Monese | — | ❌ No CC top-up | — | — | — | ❌ |
Vivid paid plans never pay for themselves — the plan fee exceeds the fee savings at any volume.
Curve is an overlay card (not a bank) that routes any CC as Mastercard. Masks the neobank destination from the issuer — useful when your CC blocks direct neobank top-ups. Works with Apple Pay.
Issuer Compatibility (tested April 2026)
| Issuer CC | → Revolut | → bunq | → Vivid | Via Curve |
|---|---|---|---|---|
| CaixaBank Visa Vueling | ✅ 500€ | ✅ 500€ | ✅ | ✅ |
| WiZink | ✅ 777€ | ✅ 60€ | ✅ 2€ (via Curve) | ✅ |
| Revolut CC (Visa) | N/A | ✅ 440€ | ✅ 999€ | ❌ (ping timeout) |
Key findings:
- WiZink → Revolut works (777€ confirmed via Apple Pay). Earlier 499€ rejection was likely a temporary/daily limit, not a permanent block.
- Revolut CC → Vivid works (999€ confirmed direct). Revolut CC → bunq works up to 440€ but rejected at 500€ (bunq daily limit, not issuer).
- bunq hard limit: 500€/day — strictly enforced. Top-ups rejected once daily total reaches 500€, regardless of issuer. Split across multiple smaller top-ups to fill the daily quota (e.g. 60€ + 440€ = ✅).
- Issuer anti-fraud whitelisting: some CC issuers (e.g. WiZink) auto-block transactions to unfamiliar countries (NL, UK, LT). Call issuer to whitelist — WiZink allows 3-month country whitelisting. After whitelisting, all neobank top-ups work.
- Apple Pay / Google Pay top-ups count toward the same CC monthly and daily limits.
bunq Fee Calculator
0,5% flat on everything above 500€/mo free. Hard limits: 500€/day, 2.000€/month.
| Top-up/mo | Fee |
|---|---|
| 500€ | 0€ |
| 1.000€ | 2,50€ |
| 1.500€ | 5,00€ |
| 2.000€ | 7,50€ |
To reach 2.000€/month: top up 500€/day across 4 days. New accounts (< 1 month): max 1.200€/30d.
Optimal Strategy
Stack free tiers: Revolut (~5.000€) + bunq (500€) + Vivid (200€) = ~5.700€/mo free.
Beyond that, bunq at 0,5% is cheapest (half of Vivid's 1%).
Deposit Guarantee
All listed neobanks are covered by the EU Deposit Guarantee Scheme (100.000€/person):
| Bank | Licensed entity | Country | Regulator |
|---|---|---|---|
| Revolut | Revolut Bank UAB | Lithuania | Bank of Lithuania |
| bunq | bunq B.V. | Netherlands | DNB (De Nederlandsche Bank) |
| Vivid | Solarisbank AG (Solaris SE) | Germany | BaFin |
| N26 | N26 Bank GmbH | Germany | BaFin |
| Wise | Licensed as EMI, not a bank | Belgium | NBB |
Note: Square (Spain merchant) accepts SEPA IBANs from any EU country, including German/Dutch/Lithuanian neobanks — name on the bank account must match the merchant entity registered with Square.
Vivid is not a bank itself — it's a frontend/agent for Solarisbank AG, which holds the German banking licence. Funds legally held at Solaris, fully covered by the German deposit guarantee (EdB).
Wise is an Electronic Money Institution — not covered by deposit guarantee. Funds are safeguarded but not insured.
Square POS Bank Account (EU)
Where to change the linked bank account in Square Dashboard (EU layout):
Direct URL: https://app.squareup.com/dashboard/balances/bank-accounts
Hidden in the EU dashboard menu (not under Settings → Banking as US docs claim). The path Settings → Account & settings shows: Personal information / My business / Pricing / Payments / Money / Notifications / GDPR and fiscal compliance / etc — but none of these contain bank accounts. Use the direct URL above.
Process: micro-deposit verification + email confirmation link (must click within 24h).
Sources
Vivid top-up · Vivid Prime · Vivid Plus · bunq limits · bunq Free · NeoBank for EU Businesses