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Jurisdiction | United Kingdom | Netherlands | Germany | Sweden | Lithuania | UK | UK |
Year founded | 2017 | 2006 | 2013 | 2005 | 2018 | 2015 | 2011 |
Net income | 1.19 billion EUR | 12.5 million EUR | 1.9 billion dollars | 65 million EUR | 26 million EUR | 119 million GBP | |
Number of Users | 40,000 customers | 4 million customers | 147 million customers | 150,000 | 35 million customers | Over 16 million customers | |
Financial services | MultiPass provides multi-currency virtual IBANs, local EU, UK, and US accounts, corporate cards, and international payment solutions. It is designed to help businesses manage global transactions efficiently | Their services include "Capital," which provides access to business financing, "Accounts," allowing users to manage their finances where they do business, and "Issuing," which enables users to spend funds on platform-branded cards. Adyen's embedded finance solutions aim to help platforms offer banking services to their user base directly, thereby creating new revenue streams and enhancing the user experience. The company's offerings also include full-stack payments technology and regulatory expertise to support its financial services suite. | N26 is a digital bank that offers a range of financial services to its customers. These services include a free bank account, a debit card, and a mobile app that allows users to manage their finances. N26 also offers premium accounts with additional features such as travel insurance, cashback, and higher withdrawal limits. The bank's services are designed to be user-friendly and accessible, with features such as real-time notifications, budgeting tools, and the ability to block and unblock your card instantly. N26 also offers investment and savings products, as well as loans and overdrafts. | Klarna provides payment solutions, financing, and banking services. Klarna's payment solutions allow customers to pay for their purchases in installments or at a later date, while its financing services provide loans to customers for larger purchases. Klarna also offers banking services, such as savings accounts and debit cards. | 1. Card Services. 2. Personal, business, and merchant account. 3. Currency exchange. 4. Shared accounts. | 1. Open a multi-currency account 2. Provides cryptocurrency exchange, insurance, international transfer, investment, and security services | 1- Currency exchange order. 2- Open a multi-currency account. 3- Debit card. |
Securities for accounts and transactions | MultiPass uses 2-factor authentication and monitors account activity to prevent fraud. Funds are safeguarded in secure accounts at authorized credit institutions, ensuring they are never lent or reinvested | Adyen prioritizes the security of its transactions through various measures and best practices. The company is fully PCI DSS v4.0 compliant as a Level 1 Service Provider, and it develops its services to minimize the need for merchants to process and store sensitive data, offering solutions such as E2EE and P2PE PCI security. | As N26 is a fully licensed German bank, the German Deposit Protection Scheme protects the clients’ funds up to €100,000. The 3D Secure is an additional layer to protection. | All the outgoing transfers are protected with two-factor authentication to ensure that the wallet user is the one who authorizes them. | All the outgoing transfers are protected with two-factor authentication to ensure that the wallet user is the one who authorizes them. | Money is held in a safeguarded account with a regulated bank or in high quality liquid assets | Uses two factor authentication to protect all accounts and transactions |
Fees and charges | Check the fees | Check the fees | Check the fees | Check the fees | Check the fees | Check the fees | Check the fees |
Customer support | 24/7 | 24/7 | 24/7 | 24/7 | 24/7 | 24/7 | 24/7 |
Mobile App ratings | No app available at this time. | 3.5/5 | 4.8/5 | 4.8/5 | 5/5 | 4.7/5 | 4.7/5 |
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