How it works
Collect
Every month we gather public posts and reviews about each company from six sources. New companies start with the last 12 months.Filter
Each mention is sorted once. Only first-hand experiences with the brand we list are scored.Weigh
Recent, detailed and credible mentions count more. Reviews that look fake count less.Score
Mentions become a score out of 10, where 7.0 is typical, plus a score for each part of the experience.Where reviews come from
We read six public sources. Detailed posts tell us more than a star rating, so they carry more weight.
Star-rating sites can only move a score a little on their own, so a wave of 5★ reviews can’t lift a company. Detailed posts on Reddit, X and YouTube can move it more.
What counts and what doesn’t
- Questions, advice and news
- Posts about the company’s other products, such as Wise personal on a Wise Business score
- Posts about a different company
- Promotions, sponsored videos and affiliate guides
- Referral codes, spam and fake support accounts
Posts that don’t count are kept for audits but never scored. Any quote we show must appear word for word in the original post.
How a score is calculated
Newer counts more
A mention loses half its weight after a year, so scores follow how a company works today.Fake reviews count less
Every day we check star-rating sites for four warning signs:The scale
Each source is compared with how it rates other companies, so a harsh or generous platform can’t skew a score. 7.0 is a typical company. Scores run from 1.0 to 9.5, and we don’t publish one until there’s enough evidence.What a score is made of
Besides the overall score, each company gets a score for nine parts of the experience.
Every part shows how many mentions it’s based on. The weights fill the gap only when people haven’t said enough about the company as a whole.
Labels you may see
Facts and country eligibility
- Fees, limits, countries and documents come from each provider’s own website, terms and help pages, never from reviews.
- Every fact has a link to its source and the date we last checked it.
- If a provider doesn’t publish something, we say “Not published” instead of guessing.
These labels show what the provider publishes. They aren’t a promise: the provider always makes the final decision on your application.
How we make money
neobanks.fyi is free to use. We earn money in two ways, and neither changes a score.
Affiliate links
When you open an account through some of our links, the provider may pay us a commission. It costs you nothing.Sponsored placements
Some companies pay to appear in a box marked “Sponsored”. Lists ranked by score never include paid placements.What money can’t buy
A better score, a higher rank, or a removed review. Scores come only from public mentions, and our system has no manual override.Who runs neobanks.fyi
Our office is at 11845 West Olympic Boulevard, Suite 1100 West, Los Angeles, CA 90064, United States. Write to us at info@neobanks.fyi. We’re not financial advisers: use our scores alongside each provider’s own terms. More about us →
Corrections and changes
Found a mistake?
Tell us from any page. We check it against the source and, if we got it wrong, fix it and update the date.Report a mistakeMethod changes
When we change how scores work, we list it here with the date.Version 1 published.Questions
Can a company pay for a better score?
No. Scores are calculated only from public mentions, and our system has no manual override. Sponsored placements and affiliate links never change a score or a rank.
Do you use AI?
Yes, to sort mentions. An AI model reads each one once and decides whether it’s a first-hand experience and which parts of the experience it talks about. The score itself is plain math, and every quote we show must appear word for word in the original post.
Why doesn’t a company have a score?
We only publish a score once there’s enough evidence. Until then the profile shows its facts without a number.
How often are scores updated?
Every month for every company. New companies start with the last 12 months of mentions.
Is this financial advice?
No. We compare companies using public information and real customer experiences. Check the provider’s own terms before you open an account.