{"data":[{"id":"SRC-CLAUDE-MEMORY","title":"How Claude remembers your project","publisher":"Anthropic","url":"https://code.claude.com/docs/en/memory","type":"official_documentation","authority":1,"observedAt":"2026-07-11","notes":["Claude Code reads CLAUDE.md project instructions.","Target concise CLAUDE.md files and use .claude/rules for modular instructions.","Auto memory is separate and machine-local."]},{"id":"SRC-NEOBANQUE-HOME","title":"Neobanque global directory","publisher":"Neobanque","url":"https://neobanque.ch/","type":"competitor","authority":9,"observedAt":"2026-07-11","notes":["Broad country and category discovery.","Competitor source only; not evidence for provider facts."]},{"id":"SRC-NEOBANQUE-US","title":"United States directory","publisher":"Neobanque","url":"https://neobanque.ch/united-states/","type":"competitor","authority":9,"observedAt":"2026-07-11","notes":["Large US provider list.","Use only for discovery and UX analysis."]},{"id":"SRC-WISE-REGULATION","title":"How is Wise regulated in each country and region?","publisher":"Wise","url":"https://wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region","type":"official_help","authority":4,"observedAt":"2026-07-11","notes":["UK entity is an FCA-authorised EMI.","US entity is registered with FinCEN and uses state licences/partner arrangements."]},{"id":"SRC-WISE-SAFEGUARDING","title":"How Wise keeps your money safe","publisher":"Wise","url":"https://wise.com/help/articles/2949821/how-wise-keeps-your-money-safe","type":"official_help","authority":4,"observedAt":"2026-07-11","notes":["Wise says it safeguards customer money and does not lend it like a bank.","Arrangements vary by country."]},{"id":"SRC-WISE-CRYPTO","title":"Understanding Wise's position on cryptocurrency","publisher":"Wise","url":"https://wise.com/help/articles/2v3OMcg97Z7gObSifJbjsu/understanding-wises-position-on-cryptocurrency","type":"official_help","authority":4,"observedAt":"2026-07-13","notes":["Wise account cannot be used to send money to crypto exchanges such as Coinbase or Binance.","Wise card policy differs and lawful card transactions may be supported by region."]},{"id":"SRC-WISE-INCOMPATIBLE","title":"Incompatible accounts and payments","publisher":"Wise","url":"https://wise.com/help/articles/2932118/incompatible-accounts-and-payments","type":"official_help","authority":4,"observedAt":"2026-07-13","notes":["Outgoing account transfers to crypto platforms are not supported.","Article names Coinbase among payments Wise cannot accept from in the described context."]},{"id":"SRC-WISE-US-ACCEPTABLE-USE","title":"Wise Acceptable Use Policy — United States","publisher":"Wise","url":"https://wise.com/us/legal/acceptable-use-policy","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The United States policy was last updated on 25 March 2026 and applies when a customer accesses or uses Wise services.","Wise lists companies involved in cryptocurrency exchange or trading, including payments intended to purchase cryptocurrency, among unsupported businesses and transactions.","The restriction does not apply automatically to lawful Wise Multi-Currency Card transactions; the applicable card supplement remains a separate evidence gate.","Wise may decline restricted transactions, suspend or cancel payment orders, or withdraw service access."]},{"id":"SRC-REVOLUT-US-TERMS","title":"Revolut Personal Terms — United States","publisher":"Revolut","url":"https://www.revolut.com/en-US/legal/terms/","type":"official_legal","authority":2,"observedAt":"2026-07-11","notes":["Version dated 28 April 2026.","Agreement is with Revolut Technologies Inc.","Banking services and cards are provided/issued by Lead Bank under the stated programme.","Account is associated with a prepaid card."]},{"id":"SRC-AIRWALLEX-US","title":"Airwallex US Business Account","publisher":"Airwallex","url":"https://www.airwallex.com/en-us/business-account","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["The US business account is for global payments, multicurrency funds, cards and expense workflows rather than consumer checking.","Airwallex US, LLC is registered as an MSB with FinCEN.","The product page's Grow-plan FAQ conflicts with the dedicated pricing page, so current plan cost must be confirmed from the live pricing flow."]},{"id":"SRC-BLUEVINE-US","title":"Bluevine Business Checking","publisher":"Bluevine","url":"https://www.bluevine.com/business-checking","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Bluevine says it is a financial technology company, not a bank.","Banking services are provided by Coastal Community Bank, Member FDIC.","The current page lists Standard with no monthly fee, Plus at USD 30 per month and Premier at USD 95 per month, with separate waiver and interest conditions.","Bluevine describes up to USD 3 million in FDIC insurance through Coastal Community Bank and program banks; this depends on pass-through, sweep and aggregation rules."]},{"id":"SRC-BLUEVINE-US-AGREEMENT","title":"Bluevine Business Checking Deposit Account Agreement","publisher":"Coastal Community Bank and Bluevine","url":"https://www.bluevine.com/ccbx-checking-agreement.","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement is effective 12 February 2026 and identifies Coastal Community Bank as the bank making the account and debit card available on behalf of Bluevine Inc.","Bluevine Inc. is the programme partner managing the Bluevine Business Checking programme; the demand-deposit customer is a commercial legal entity.","The agreement permits security, legal, regulatory and fraud-related holds, transaction limits, feature restrictions and requests for additional information.","Contract limits distinguish direct incoming ACH or wire, dashboard-initiated linked-account pulls, cash deposits, mobile checks, cards and withdrawals."]},{"id":"SRC-BLUEVINE-US-PLANS","title":"Compare Bluevine Business Checking plans","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/What-is-Bluevine-Premier","type":"official_product_guidance","authority":3,"observedAt":"2026-07-12","notes":["Standard is listed at USD 0 per month, Plus at USD 30 and Premier at USD 95, with separate fee-waiver requirements.","Current APYs are 1.3 percent for eligible Standard balances up to USD 250,000, 1.75 percent for Plus balances up to USD 250,000 and 3.0 percent for Premier without a stated interest balance cap.","Plan differences include payment discounts, five, ten or twenty sub-accounts, free mailed checks, fraud controls, priority support and conditional Treasury access.","Plus and Premier fee waivers require both the stated average balance and card-spend thresholds during the billing cycle."]},{"id":"SRC-BLUEVINE-US-FEES","title":"Bluevine Business Checking fees","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/Does-my-Bluevine-Business-Checking-account-have-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The 28 May 2026 schedule lists plan fees, ACH, check, wire, cash-deposit, ATM, international-payment, replacement-card and dormancy charges.","Standard ACH and incoming domestic ACH or wires are listed at USD 0; same-day ACH and outgoing wire charges fall by plan.","Cash deposits, out-of-network ATMs, express replacement cards, international payments and certain checks can carry fees despite the Standard plan's zero monthly fee.","The schedule says transaction counts are unlimited but amount limits in the account agreement and customer dashboard still apply."]},{"id":"SRC-BLUEVINE-US-INTEREST","title":"Terms of Interest Accrual for Bluevine Business Checking","publisher":"Bluevine","url":"https://www.bluevine.com/checking-interest","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The interest terms are effective 12 March 2026 and establish the current APY and balance cap for each plan.","Standard customers must meet at least one monthly activity condition; Plus and Premier customers are automatically eligible under the current terms.","APY and eligibility can change under the account agreement and should be rechecked before publication or account selection."]},{"id":"SRC-BLUEVINE-US-LIMITS","title":"Bluevine Business Checking account limits","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/What-are-my-account-limits","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["The 2 June 2026 article distinguishes unlimited transaction counts from account-specific transaction amount limits shown in the web dashboard.","Direct incoming ACH and wire transfers are listed without an incoming amount limit, while dashboard pulls may be reviewed or restricted.","Card purchases are listed up to USD 25,000 per day per card based on eligibility; cash, ATM and mobile-check limits remain method-specific.","Bluevine may permit higher limits or restrict transactions based on eligibility, review and risk controls."]},{"id":"SRC-BLUEVINE-US-SWEEP","title":"Bluevine Business Checking Sweep Disclosure","publisher":"Coastal Community Bank and Bluevine","url":"https://www.bluevine.com/sweeps-disclosure","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["The disclosure lets Coastal arrange deposits across programme banks to increase potential FDIC coverage, subject to ownership category, aggregation and programme rules.","Deposits at the same programme bank in the same ownership capacity aggregate with deposits held outside Bluevine.","Funds can reach an excess bank above the applicable insured limit, programme banks can change, and customers cannot access programme-bank accounts directly.","Opting out leaves deposits at Coastal and removes sweep-related coverage above the standard maximum for the Bluevine account."]},{"id":"SRC-BLUEVINE-US-SWEEP-BANKS","title":"Bluevine sweep network partner banks","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/What-banks-does-Bluevine-partner-with-in-the-sweep-network","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["The 10 June 2026 article lists the current Bluevine sweep-network banks.","The list may change without advance notice and must be checked with the sweep statement and disclosure rather than treated as permanent."]},{"id":"SRC-BLUEVINE-US-PAYMENTS","title":"Bluevine domestic payment methods and processing","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/How-do-I-use-Bluevine-Payments","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Bluevine documents standard and same-day ACH, domestic wire, mailed check and Bluevine Pay options with method-specific timing and fees.","Standard ACH and Bluevine Pay are listed without a Bluevine payment fee; other methods depend on plan and delivery method.","Payments can be one-time or recurring, and the dashboard supports payees, bill details, approvals and status tracking.","Bluevine currently states that its account is not compatible with Zelle."]},{"id":"SRC-BLUEVINE-US-USERS","title":"Bluevine additional users, roles and permissions","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/How-do-I-manage-my-Additional-Users","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["The 2 June 2026 guide describes Administrator, Authorized User, Accountant, Clerk and Employee roles with distinct permissions.","Additional users have separate credentials, while the account owner remains responsible for authorised transactions and fees.","Payment approvals, cards, statements, bill management, sub-accounts and external-account access are permission-specific rather than universal."]},{"id":"SRC-BLUEVINE-US-QUICKBOOKS","title":"Connect QuickBooks Online to Bluevine","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/How-do-I-connect-QuickBooks-to-my-Bluevine-dashboard","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Bluevine supports a QuickBooks Online connection for bills, transactions and payee workflows.","The connection is configured through the web dashboard and payment sync for sub-accounts is not currently supported.","The integration is not evidence of every accounting field or workflow syncing bidirectionally."]},{"id":"SRC-BLUEVINE-US-SECURITY","title":"Bluevine multi-factor authentication and fraud response","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/How-do-I-set-up-multi-factor-authentication","type":"official_security_guidance","authority":4,"observedAt":"2026-07-12","notes":["Bluevine requires an MFA code for a new or untrusted device and currently supports SMS to a US cellular number as its MFA method.","A trusted device can sign in without a new MFA code; call-forwarding and Wi-Fi-only numbers are not supported for MFA.","Official fraud guidance lists phone, email and chat during stated business hours and warns customers never to share passwords, full card numbers or one-time codes."]},{"id":"SRC-BLUEVINE-US-INTERNATIONAL-OWNERS","title":"Bluevine US business banking for international owners","publisher":"Bluevine","url":"https://www.bluevine.com/us-business-banking-for-international-owners","type":"official_product_guidance","authority":3,"observedAt":"2026-07-12","notes":["Eligible international owners must have a US-registered LLC or corporation, an EIN, a valid passport and residence in a supported country.","International-owner onboarding does not currently cover non-US business entities, sole proprietorships or nonprofits.","Lending, credit and Treasury products are not currently available to international owners, and other feature limitations apply."]},{"id":"SRC-VARO-US","title":"Varo official site","publisher":"Varo Bank","url":"https://www.varomoney.com/","type":"official_product","authority":5,"observedAt":"2026-07-11","notes":["Varo identifies itself as an independent bank with its own charter.","Footer identifies Varo Bank, N.A., Member FDIC."]},{"id":"SRC-PAYPAL-US-AGREEMENT","title":"PayPal US User Agreement","publisher":"PayPal","url":"https://www.paypal.com/us/legalhub/paypal/useragreement-full","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["The agreement is with PayPal, Inc., applies to US accounts and was last updated on 29 June 2026.","A business must be organised in, operating in or resident in the United States or a territory, and business activity requires a business account.","Ordinary business-account balances are unsecured claims against PayPal; PayPal is not a bank and is not FDIC insured.","A narrow Program Bank arrangement can apply when an enumerated programme condition is met; it is not a general business-balance protection claim.","The agreement separates free standard transfer to an eligible linked bank or debit card from fee-bearing Instant Transfer to an eligible linked bank or debit card for personal and business accounts."]},{"id":"SRC-OCC-CRYPTO-CUSTODY","title":"OCC clarifies bank authority for crypto-asset custody and execution","publisher":"Office of the Comptroller of the Currency","url":"https://www.occ.treas.gov/news-issuances/news-releases/2025/nr-occ-2025-42.html","type":"regulator_guidance","authority":1,"observedAt":"2026-07-12","notes":["The OCC confirms that national banks and federal savings associations may provide or outsource permissible crypto custody and execution services subject to law and appropriate risk management.","Permissible authority is not proof that every bank offers a retail crypto product or accepts every exchange transfer."]},{"id":"SRC-SOFI-OCC-CHARTER","title":"OCC conditionally approves SoFi Bank, National Association","publisher":"Office of the Comptroller of the Currency","url":"https://www.occ.treas.gov/news-issuances/news-releases/2022/nr-occ-2022-4.html","type":"regulator_register","authority":1,"observedAt":"2026-07-13","notes":["The OCC approved SoFi Bank, N.A. as a full-service national bank and identified the acquired bank as FDIC insured.","The 2022 approval carried an initial crypto-activity condition; current crypto capability is established separately by SoFi Bank's May 2026 Crypto Account Agreement."]},{"id":"SRC-SOFI-CHECKING","title":"SoFi Checking and Savings","publisher":"SoFi Bank","url":"https://www.sofi.com/banking/checking-account/","type":"official_product","authority":5,"observedAt":"2026-07-13","notes":["SoFi Checking and Savings is offered through SoFi Bank, N.A., Member FDIC.","Opening either the cited checking or savings account also opens the other account under the current product presentation.","The deposit product and its insurance treatment are separate from the SoFi Crypto Account, investments, loans and digital assets."]},{"id":"SRC-SOFI-CRYPTO-AGREEMENT","title":"SoFi Crypto Account Agreement","publisher":"SoFi Bank","url":"https://www.sofi.com/crypto/legal/crypto-account-agreement","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["The agreement is with SoFi Bank, National Association and is effective 27 May 2026.","Eligible individuals may buy, sell and hold supported digital assets and may fund from a connected SoFi checking or savings account or another displayed method.","The SoFi Crypto Account is not a deposit or bank account; digital assets and supported stablecoins are not FDIC or SIPC insured.","The account is personal only, has no opening or monthly maintenance fee, and transaction fees or spreads are disclosed before authorisation."]},{"id":"SRC-SOFI-RATE-SHEET","title":"SoFi Bank Checking and Savings Rate Sheet","publisher":"SoFi Bank","url":"https://www.sofi.com/legal/banking-rate-sheet/","type":"official_rate_sheet","authority":2,"observedAt":"2026-07-13","notes":["The current PDF is effective 28 May 2026 and separates SoFi Plus tiered rates, rates with eligible direct deposit or USD 5,000 in qualifying deposits, and standard rates.","Checking APY is 0.50% in the cited tables; savings conditions and balance tiers differ by subscription, account ownership and qualifying activity.","Rates are variable, qualifying activity is assessed on a rolling 31-day basis and the customer's in-account APY details control."]},{"id":"SRC-SOFI-FEE-SHEET","title":"SoFi Bank Fee Sheet","publisher":"SoFi Bank","url":"https://www.sofi.com/legal/banking-fees/","type":"official_fee_sheet","authority":2,"observedAt":"2026-07-13","notes":["The current PDF is effective 18 May 2026 and lists zero monthly maintenance, minimum-balance, overdraft, inactive, checkbook, replacement-card and stop-payment fees.","It lists USD 30 for an outgoing domestic wire, 0.75% with USD 1 minimum and USD 30 maximum for outgoing Instant Transfers, and 0.50% for global remittance before applicable third-party costs.","Cash-deposit partners may charge up to USD 4.95 per deposit and out-of-network ATM operators may impose a fee."]},{"id":"SRC-SOFI-SIDP-TERMS","title":"SoFi Insured Deposit Program Terms and Conditions","publisher":"SoFi Bank","url":"https://www.sofi.com/banking/fdic/sidpterms","type":"official_program_agreement","authority":2,"observedAt":"2026-07-13","notes":["The terms are effective 2 December 2025 and describe an opt-in programme in which SoFi Bank acts as customer agent, Stable Custody Group II LLC administers placement and The Huntington National Bank is the current custodian bank.","Programme deposits can be allocated to participating banks subject to account-by-account opt-in, legal ownership category, external same-bank aggregation, allocation, records, timing, capacity and programme limits.","SoFi Bank says it cannot guarantee coverage of all balances in all circumstances; the customer must monitor outside balances at participating banks."]},{"id":"SRC-SOFI-TRANSACTION-LIMITS","title":"SoFi Checking and Savings transaction limits","publisher":"SoFi Help Center","url":"https://support.sofi.com/hc/en-us/articles/are-there-any-sofi-checking-and-savings-transaction-limits","type":"official_support","authority":4,"observedAt":"2026-07-13","notes":["SoFi says security limits vary with transaction type, amount, account age and activity.","The current public help page identifies a maximum USD 2,000 daily ATM withdrawal and USD 6,000 daily debit-card use.","These public maxima do not establish a guaranteed customer-specific limit or transaction approval."]},{"id":"SRC-SOFI-CASH-ACCESS","title":"How to withdraw and deposit money with SoFi","publisher":"SoFi Help Center","url":"https://support.sofi.com/hc/en-us/articles/11378780533901-How-do-I-withdraw-and-deposit-money","type":"official_support","authority":4,"observedAt":"2026-07-13","notes":["The current page identifies the Allpoint network for fee-free SoFi withdrawals and Green Dot retail locations for cash deposits.","Cash deposits are not accepted at non-Green-Dot locations or at ATMs.","The fee sheet separately states that a cash-deposit partner may charge up to USD 4.95 per deposit."]},{"id":"SRC-SOFI-DIRECT-DEPOSIT","title":"SoFi direct-deposit benefits and conditions","publisher":"SoFi Help Center","url":"https://support.sofi.com/hc/en-us/articles/11378679733901-What-benefits-do-I-get-with-direct-deposit-How-do-I-set-it-up","type":"official_support","authority":4,"observedAt":"2026-07-13","notes":["The current page says there is no minimum eligible direct-deposit amount for the cited qualifying savings rate.","No-fee overdraft coverage has a separate USD 1,000 eligible-direct-deposit threshold and is limited to up to USD 50 of debit-card purchases.","Early-pay timing depends on when SoFi receives notice and is not guaranteed to be two days early."]},{"id":"SRC-SOFI-CONTACT","title":"SoFi customer support contacts and hours","publisher":"SoFi","url":"https://www.sofi.com/contact-us/","type":"official_support","authority":4,"observedAt":"2026-07-13","notes":["SoFi lists a 24/7 virtual assistant, with human-agent availability during published working hours.","Checking and Savings phone support is listed Monday through Thursday 5am to 7pm PT and Friday through Sunday 5am to 5pm PT.","NeobankDB has not tested queue time, resolution quality, complaint handling or availability."]},{"id":"SRC-SOFI-INSTANT-TRANSFER","title":"SoFi Instant Transfers","publisher":"SoFi Bank","url":"https://www.sofi.com/banking/instant-money-transfer/","type":"official_product","authority":5,"observedAt":"2026-07-13","notes":["The page describes outgoing transfers from SoFi Checking and Savings to eligible linked accounts using FedNow, with incoming transfers separately priced at zero by SoFi.","The cited outgoing price is 0.75% with a USD 1 minimum and USD 30 maximum; eligible SoFi Plus subscribers receive a stated discount.","Eligibility, linked-bank support, customer limits, network availability and transaction review still apply."]},{"id":"SRC-SOFI-AGREEMENT-ACCESS","title":"Accessing the SoFi Deposit Account Agreement","publisher":"SoFi Help Center","url":"https://support.sofi.com/hc/en-us/articles/where-can-i-find-the-sofi-deposit-account-agreement","type":"official_support","authority":4,"observedAt":"2026-07-13","notes":["SoFi directs customers to retrieve the current Deposit Account Agreement after signing in through the Banking legal-agreements control.","The current full deposit agreement was therefore unavailable for anonymous public review.","The review must not infer unpublished eligibility, hold, closure, error-resolution or account-specific terms from marketing pages."]},{"id":"SRC-CASH-APP-US-TERMS","title":"Cash App United States Terms of Service","publisher":"Cash App","url":"https://cash.app/us/en/legal/tos","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["The agreement is with Block, Inc. and describes Cash App as a financial platform, not an FDIC-insured bank.","Eligible cash and savings balances may receive conditional pass-through insurance through Wells Fargo, Sutton and/or The Bancorp when Card or Sponsored Account conditions and FDIC requirements are met; pending, Bitcoin and investing balances are excluded.","Personal virtual-currency services require an eligible US-resident individual and may vary by state, territory, account and feature.","The terms list a USD 1 Paper Money Deposit fee after 29 June 2026, conditional Cash App Green benefits, risk-based limits, free-overdraft conditions and account error-resolution channels."]},{"id":"SRC-CASH-APP-CRYPTO-DISCLOSURES","title":"Cash App Bitcoin and Stablecoin Disclosures","publisher":"Cash App","url":"https://cash.app/legal/us/en-us/bitcoin-disclosures/","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["Block, Inc. provides Cash App virtual-currency services, with availability and licensing varying by state or territory.","Virtual-currency holdings are not protected by FDIC or SIPC and transactions can be irreversible.","Applicable purchase, sale, conversion and network fees are displayed at or before the order rather than treated as one universal rate."]},{"id":"SRC-CASH-APP-SAVINGS","title":"Cash App Savings Terms of Service","publisher":"Cash App","url":"https://cash.app/legal/us/en-us/savings","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["The terms were last updated 19 February 2026 and identify Block, Inc. as the Savings feature provider.","Savings is separately tracked from Cash App Balance, held by Block with a partner bank in pooled accounts for customers, and must move back to Cash App Balance before spending or ATM withdrawal.","Savings Yield has Card or Sponsored Account, tax-form, eligibility and variable-rate conditions; a negative Cash App Balance can be offset from Savings Balance."]},{"id":"SRC-CASH-APP-CARD-AGREEMENT","title":"Cash App Prepaid Card Program Agreement","publisher":"Cash App and Sutton Bank","url":"https://cash.app/legal/us/en-us/card-agreement","type":"official_card_agreement","authority":2,"observedAt":"2026-07-13","notes":["The current agreement lists zero monthly and purchase fees, a 3% foreign-transaction fee, a USD 2.50 ATM withdrawal fee and separate card-replacement pricing before applicable waivers.","Cash App Green fee benefits depend on USD 500 of qualifying purchases or USD 300 of qualifying payroll deposits in the relevant month and can change.","Card disputes, unauthorised-transaction reporting, merchant, ATM, network and account limits remain governed by the agreement and live account state."]},{"id":"SRC-CASH-APP-CARD","title":"Cash App Card","publisher":"Cash App","url":"https://cash.app/card","type":"official_product","authority":5,"observedAt":"2026-07-13","notes":["Cash App describes a USD 2.50 ATM fee before operator charges and more than 40,000 in-network ATMs for qualifying Cash App Green customers.","Green status uses current qualifying-spend or qualifying-payroll-deposit activity; benefits are not permanent account entitlements.","Card spending depends on available Cash App Balance unless eligible overdraft coverage is enabled."]},{"id":"SRC-CASH-APP-SAVINGS-RATE","title":"Cash App Savings interest-rate guide","publisher":"Cash App","url":"https://cash.app/learn/getting-started/what-is-cash-apps-savings-interest-rate","type":"official_product_guidance","authority":3,"observedAt":"2026-07-13","notes":["The 1 May 2026 guide lists a 1.5% base APY with a Cash App Card and 3.25% with qualifying Cash App Green status.","The higher rate currently depends on USD 300 or more in qualifying direct deposits or USD 500 or more in qualifying Card or Cash App Pay spending each month.","Rates are variable, eligibility and tax-document conditions apply, and the live Savings display controls."]},{"id":"SRC-CASH-APP-INVESTING","title":"Cash App Investing Customer Account Agreement","publisher":"Cash App Investing LLC","url":"https://cash.app/legal/us/en-us/cash-investing-account-agreement","type":"official_brokerage_agreement","authority":2,"observedAt":"2026-07-13","notes":["The agreement was last updated 12 February 2026 and identifies Cash App Investing LLC as an SEC-registered broker-dealer and FINRA/SIPC member.","DriveWealth LLC or Apex Clearing Corporation can execute, clear, settle and custody brokerage assets during a phased migration; a customer may temporarily have positions at both.","The trade screen, confirmation and statement identify the relevant carrying broker; brokerage assets, cash balances, Bitcoin and bank deposits retain different protection systems."]},{"id":"SRC-CASH-APP-BORROW","title":"Cash App Borrow Loan Agreement","publisher":"First Electronic Bank and Block","url":"https://cash.app/legal/us/en-us/borrowloanagreement","type":"official_credit_agreement","authority":2,"observedAt":"2026-07-13","notes":["The December 2024 agreement identifies First Electronic Bank as originator and issuer and Block and Square Capital in servicing roles.","Borrow is separately underwritten closed-end credit with transaction-time Truth in Lending disclosures, finance charge, due date and possible overdue consequences.","Availability, amount, state, credit review and repayment are not Cash App Balance or Savings features and are not guaranteed by Green status."]},{"id":"SRC-PAYPAL-US-CRYPTO-TERMS","title":"PayPal Digital cryptocurrency terms and conditions","publisher":"PayPal Digital","url":"https://www.paypal.com/us/legalhub/paypal/cryptocurrencies-tnc","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The current terms, last updated 19 May 2026, are with PayPal Digital, Inc., a New York limited purpose trust company.","Eligible consumer and business crypto accounts may buy, sell, hold, send and receive supported crypto assets through a linked PayPal or eligible Venmo account.","Crypto assets are not FDIC or SIPC insured and product features may vary by location and linked-account type."]},{"id":"SRC-PAYPAL-US-CRYPTO-FEES","title":"PayPal United States consumer cryptocurrency fees","publisher":"PayPal","url":"https://www.paypal.com/us/webapps/mpp/paypal-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The current US consumer schedule lists tiered buy, sell and conversion fees plus a conversion spread.","Holding is listed without a fee; external transfers can add variable network and transaction charges.","The page identifies its schedule as last updated 19 May 2025, so users should confirm the order preview before authorising."]},{"id":"SRC-REVOLUT-US-CRYPTO-UNAVAILABLE","title":"Revolut United States cryptocurrency terms","publisher":"Revolut","url":"https://www.revolut.com/en-US/legal/cryptocurrency-terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Revolut states that Revolut Technologies Inc. has not offered cryptocurrency services in the United States since 3 October 2023.","Crypto availability in another Revolut market must not be copied into the United States record."]},{"id":"SRC-COINBASE-US-AGREEMENT","title":"Coinbase US User Agreement","publisher":"Coinbase","url":"https://www.coinbase.com/legal/user_agreement/united_states","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The individual agreement is with Coinbase, Inc. and was last updated on 29 June 2026.","Coinbase is not an FDIC-insured bank; eligible custodial cash and digital assets have different custody and protection treatment.","Digital assets are not FDIC or SIPC insured, while conditional pass-through treatment may apply only to eligible custodial cash held at specified institutions.","Coinbase eligibility, services and supported assets can vary by location and product."]},{"id":"SRC-COINBASE-PAYMENT-METHODS","title":"Coinbase payment methods — North America and LATAM","publisher":"Coinbase","url":"https://help.coinbase.com/en/coinbase/getting-started/add-a-payment-method/add-and-verify-pm-namerica-latam","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["The US methods table lists ACH, debit card, wire and PayPal with different buy, add-cash, cash-out and timing capabilities.","Generic ACH support does not prove that every bank or fintech permits a specific transfer; provider-specific terms remain a separate evidence gate."]},{"id":"SRC-FCA-ROLE","title":"About the FCA","publisher":"Financial Conduct Authority","url":"https://www.fca.org.uk/about/what-we-do/the-fca","type":"regulator_guidance","authority":1,"observedAt":"2026-07-12","notes":["The FCA regulates financial services firms in the UK and sets conduct standards.","The FCA works with the PRA, which prudentially regulates banks and other specified firms."]},{"id":"SRC-PRA-ROLE","title":"Prudential regulation","publisher":"Bank of England","url":"https://www.bankofengland.co.uk/prudential-regulation","type":"regulator_guidance","authority":1,"observedAt":"2026-07-12","notes":["The PRA is part of the Bank of England and prudentially regulates and supervises banks and other specified firms.","PRA rules cover capital and risk controls; supervision considers safety and soundness."]},{"id":"SRC-FSCS-DEPOSIT-PROTECTION","title":"Check your money is protected","publisher":"Financial Services Compensation Scheme","url":"https://protected.fscs.org.uk/","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["FSCS protects eligible deposits with UK-authorised banks, building societies and credit unions.","The current limit is up to GBP 120,000 per eligible person, per authorised firm; scheme and product eligibility still apply.","The limit increased on 1 December 2025."]},{"id":"SRC-FCA-PAYMENT-PROVIDERS","title":"Using payment service providers","publisher":"Financial Conduct Authority","url":"https://www.fca.org.uk/consumers/using-payment-service-providers","type":"regulator_consumer_guidance","authority":1,"observedAt":"2026-07-12","notes":["Funds held by authorised electronic money institutions and authorised payment institutions are safeguarded rather than protected by FSCS deposit protection.","Safeguarding and FSCS deposit protection are distinct protection models."]},{"id":"SRC-PAYUK-SYSTEMS","title":"Pay.UK payment systems","publisher":"Pay.UK","url":"https://www.wearepay.uk/","type":"payment_system_operator","authority":2,"observedAt":"2026-07-12","notes":["Pay.UK operates the Faster Payment System, Bacs Payment System and Image Clearing System.","Country-level rail availability does not establish that a particular provider or product supports a rail."]},{"id":"SRC-BOE-UK-DIGITAL-BANKS","title":"New banks authorised since 2013","publisher":"Bank of England","url":"https://www.bankofengland.co.uk/prudential-regulation/new-bank-start-up-unit/new-banks-authorised-since-2013","type":"regulator_register","authority":1,"observedAt":"2026-07-12","notes":["The list identifies Monzo Bank Limited, FRN 730427, as authorised.","The list identifies Revolut Bank UK Ltd, FRN 981170, as authorised."]},{"id":"SRC-MONZO-UK-SECURITY","title":"Monzo security","publisher":"Monzo","url":"https://monzo.com/security","type":"official_product_guidance","authority":3,"observedAt":"2026-07-12","notes":["Monzo identifies Monzo Bank Limited as a UK bank regulated by the PRA and FCA.","Monzo states that eligible deposits are FSCS protected up to the current scheme limit.","The page states UK residency as an account requirement."]},{"id":"SRC-REVOLUT-UK-BANK-TRANSITION","title":"Is Revolut a fully licensed bank in the UK?","publisher":"Revolut","url":"https://www.revolut.com/blog/post/is-revolut-a-fully-licensed-bank-in-the-uk/","type":"official_product_guidance","authority":3,"observedAt":"2026-07-12","notes":["Revolut states that Revolut Bank UK Ltd became a fully licensed UK bank in March 2026, FRN 981170.","New UK customers receive bank accounts, while migration of some existing e-money accounts is staged.","FSCS protection applies to eligible bank deposits; e-money accounts still in transition use safeguarding instead.","Crypto, investments and other products may be provided by separate legal entities and must be assessed separately."]},{"id":"SRC-WISE-UK-SAFEGUARDING","title":"How Wise Payments Ltd safeguards UK customer funds","publisher":"Wise","url":"https://wise.com/help/articles/4IusAofIppsIGPcs7sEIXI/how-our-uk-entity-wise-payments-ltd-safeguards-customer-funds","type":"official_help","authority":3,"observedAt":"2026-07-12","notes":["Wise Payments Limited is not a bank and its e-money and payment services are not covered by FSCS deposit protection.","Wise describes safeguarding customer funds separately from its operating money."]},{"id":"SRC-RBI-BANK-LIST","title":"Banks in India","publisher":"Reserve Bank of India","url":"https://www.rbi.org.in/commonman/English/scripts/banksinindia.aspx","type":"regulator_register","authority":1,"observedAt":"2026-07-12","notes":["RBI publishes separate lists for scheduled commercial banks, small finance banks and payments banks.","An app or payment provider is not treated as a bank unless the exact bank entity is supported by an RBI record."]},{"id":"SRC-DICGC-DEPOSIT-INSURANCE","title":"Deposit insurance FAQ","publisher":"Deposit Insurance and Credit Guarantee Corporation","url":"https://www.dicgc.org.in/FAQs","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["DICGC insures eligible principal and interest up to INR 500,000 per depositor at a bank in the same right and capacity.","Deposits across branches of the same bank are aggregated; separate banks receive separate limits.","Readers should verify that the exact bank is registered as insured."]},{"id":"SRC-NPCI-UPI","title":"About Unified Payments Interface","publisher":"National Payments Corporation of India","url":"https://www.npci.org.in/product/upi/about-upi","type":"payment_system_operator","authority":2,"observedAt":"2026-07-12","notes":["UPI links participating bank and other allowed accounts through UPI applications.","UPI supports mobile payments, person-to-person and merchant flows around the clock.","Country-level UPI availability does not prove support by every app or product."]},{"id":"SRC-NPCI-IMPS","title":"Immediate Payment Service overview","publisher":"National Payments Corporation of India","url":"https://www.npci.org.in/product/imps","type":"payment_system_operator","authority":2,"observedAt":"2026-07-12","notes":["IMPS is a real-time, round-the-clock payment service offered through banks and RBI-authorised PPI issuers.","Provider and account participation must be checked separately."]},{"id":"SRC-RBI-NEFT-RTGS","title":"Access to centralised payment systems FAQ","publisher":"Reserve Bank of India","url":"https://www.rbi.org.in/scripts/faqview.aspx?Id=144","type":"regulator_payment_guidance","authority":1,"observedAt":"2026-07-12","notes":["RBI describes RTGS as the large-value real-time gross settlement system and NEFT as a retail system operating in half-hourly batches.","RTGS and NEFT operate around the clock; provider-level access is not inferred from country context."]},{"id":"SRC-RBI-PPI-DIRECTIONS","title":"Master Directions on Prepaid Payment Instruments","publisher":"Reserve Bank of India","url":"https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=12156","type":"regulator_direction","authority":1,"observedAt":"2026-07-12","notes":["The directions apply to bank and non-bank PPI issuers and system participants.","They establish the authorisation, regulation and supervision framework for PPIs in India.","PPI status must not be rewritten as a bank-deposit product."]},{"id":"SRC-REVOLUT-IN-TERMS","title":"Revolut India personal terms","publisher":"Revolut","url":"https://www.revolut.com/en-IN/legal/terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement is with Revolut Payments India Private Limited, an RBI-authorised PPI issuer.","The account includes an INR-denominated PPI wallet and requires RBI-compliant KYC; business use is prohibited under these personal terms.","Wallet funds are described as safeguarded in dedicated escrow accounts with scheduled banks.","Foreign-currency services may be provided by a separate affiliate and must be assessed separately."]},{"id":"SRC-WISE-IN-REGULATION","title":"Wise regulation in India","publisher":"Wise","url":"https://wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region","type":"official_help","authority":3,"observedAt":"2026-07-12","notes":["Wise states that inward remittance uses a local bank partner with RBI approval.","Vaho Forex Private Limited holds an RBI Authorised Dealer Category II licence for limited outward remittance purposes and forex card services.","Wise Payments India Private Limited is described as in-principle approved as a Payment Aggregator - Cross Border."]},{"id":"SRC-WISE-IN-BUSINESS-RECEIVING","title":"Receiving payments for Indian businesses","publisher":"Wise","url":"https://wise.com/help/articles/71lNXW0Ls3gEFhUH8PtodV/receiving-payments-for-indian-businesses","type":"official_product_guidance","authority":3,"observedAt":"2026-07-13","notes":["Eligible Indian businesses can receive international client payments through account details in the currently listed currencies.","Wise explicitly says these account details cannot hold balances or send money: receipts are automatically converted to INR and transferred to the verified Indian bank account.","The cited flow has a INR 2.5 million per-transaction maximum, a USD 5-equivalent minimum, an e-FIRC process and business-type, identity, bank-account, payer and payment-purpose conditions."]},{"id":"SRC-PAYPAL-IN-TERMS","title":"PayPal India user agreement","publisher":"PayPal","url":"https://www.paypal.com/in/legalhub/paypal/useragreement-full","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement is with PayPal Payments Private Limited and is limited to the described India services.","Export Payment Services facilitate receipt from offshore buyers for credit to an Indian bank account through an authorised dealer bank.","PayPal states that it is not a bank in India and the services are not stored-value services.","Indian residency or Indian business eligibility and account verification requirements apply."]},{"id":"SRC-PAYONEER-IN-RECEIVING","title":"Payoneer India multi-currency business account","publisher":"Payoneer","url":"https://www.payoneer.com/en-in/multi-currency-account/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The India page describes business receiving-account details for cross-border payments.","For customers in India, received funds are automatically withdrawn to a local Indian bank account or EEFC account.","The product is business-oriented and does not establish a domestic bank-deposit account at Payoneer."]},{"id":"SRC-PAYONEER-IN-DISCLOSURES","title":"India customer disclosures and complaints","publisher":"Payoneer","url":"https://www.payoneer.com/en-in/customer-disclosures-and-complaints/","type":"official_policy","authority":3,"observedAt":"2026-07-12","notes":["The India grievance policy identifies Payoneer India Private Limited.","The page provides India complaint and escalation routes but does not establish bank status."]},{"id":"SRC-PAYONEER-NOT-BANK","title":"What is a virtual business bank account?","publisher":"Payoneer","url":"https://www.payoneer.com/resources/business/virtual-business-bank-account/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Payoneer states that it is not a bank and does not provide traditional or virtual business bank accounts.","Receiving-account details must not be presented as bank accounts or deposit products."]},{"id":"SRC-CBUAE-LICENSING","title":"CBUAE licensing and financial institution register","publisher":"Central Bank of the UAE","url":"https://www.centralbank.ae/en/licensing/?hl=en-US","type":"regulator_register","authority":1,"observedAt":"2026-07-12","notes":["CBUAE is responsible for licensing, governing and supervising financial institutions in the UAE.","The register distinguishes banks, stored-value facilities, retail payment services and other licence types.","A payment or stored-value licence must not be rewritten as a bank licence."]},{"id":"SRC-CBUAE-DEPOSIT-SCHEME-ABSENCE","title":"Digital Dirham: Macroeconomic implications and policy considerations","publisher":"Central Bank of the UAE","url":"https://centralbank.ae/media/qw1ex32h/cbdc-long-report_july.pdf","type":"regulator_research","authority":1,"observedAt":"2026-07-12","notes":["The CBUAE report identifies the absence of a deposit insurance scheme as a characteristic of the UAE banking sector.","NeobankDB therefore does not publish a general UAE deposit-insurance limit.","Regulatory supervision, safeguarding and contractual protections remain separate concepts."]},{"id":"SRC-CBUAE-UAEFTS","title":"UAE Fund Transfer System (UAEFTS)","publisher":"Central Bank of the UAE","url":"https://www.centralbank.ae/en/our-operations/payments-and-settlements/uae-fund-transfer-system-uaefts/","type":"regulator_payment_guidance","authority":1,"observedAt":"2026-07-12","notes":["UAEFTS is the UAE real-time gross settlement system owned, hosted and managed by CBUAE.","It facilitates transfers between participating banks and other financial institutions through CBUAE accounts.","Country-level system availability does not prove that a particular provider or customer product supports it."]},{"id":"SRC-AEP-AANI","title":"Aani instant payments","publisher":"Al Etihad Payments","url":"https://aep.ae/en/services/aani/","type":"payment_system_operator","authority":2,"observedAt":"2026-07-12","notes":["Aani provides instant payments for customers of participating UAE licensed financial institutions and payment service providers.","The service supports transfers up to AED 50,000 on a 24/7 basis using mobile number, email or QR code.","Participation must be verified for the exact institution and account."]},{"id":"SRC-PAYPAL-AE-TERMS","title":"PayPal UAE user agreement","publisher":"PayPal","url":"https://www.paypal.com/ae/legalhub/paypal/useragreement-full","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement is with PayPal Pte. Ltd., a Singapore company, and was last updated on 28 May 2026.","Individuals must be resident in a listed market and at least 18 or the local age of majority; businesses must meet the stated market test.","PayPal describes itself as a payment services provider and states that service availability varies by market."]},{"id":"SRC-PAYPAL-WORLDWIDE","title":"PayPal worldwide availability","publisher":"PayPal","url":"https://www.paypal.com/webapps/mpp/country-worldwide","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["PayPal lists the United Arab Emirates among its available Asia Pacific markets.","The country list establishes market presence but not universal feature or customer eligibility."]},{"id":"SRC-PAYPAL-AE-FEES","title":"PayPal UAE consumer fees","publisher":"PayPal","url":"https://www.paypal.com/ae/webapps/mpp/paypal-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule contains UAE-specific withdrawal and currency-conversion conditions and was last updated on 21 April 2025.","A standard AED bank withdrawal above AED 750 is listed without a PayPal fee when no conversion applies; lower AED withdrawals are listed at AED 11.","Payment method, transaction type, conversion, card or intermediary charges can change the total cost."]},{"id":"SRC-REVOLUT-AE-LICENCE-PRELAUNCH","title":"Revolut obtains CBUAE stored-value and retail-payment licences","publisher":"Revolut","url":"https://www.revolut.com/news/revolut_obtains_approval_for_stored_value_facilities_and_retail_payment_services_licences_from_the_central_bank_of_the_uae/","type":"official_company_announcement","authority":4,"observedAt":"2026-07-12","notes":["Revolut announced CBUAE Stored Value Facility and Retail Payment Services Category II licences on 17 June 2026.","The same announcement says the local product is still being prepared ahead of full-scale launch.","Licensing is not treated as proof that customer onboarding or the described future features are live."]},{"id":"SRC-WISE-AE-VERIFICATION","title":"Getting verified in the UAE","publisher":"Wise","url":"https://wise.com/help/articles/2978051/getting-verified-in-the-uae","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Wise describes Emirates ID and UAE residence verification for customers sending from AED.","This page conflicts with Wise's UAE send-money waiting-list page and does not resolve the current contracting entity."]},{"id":"SRC-WISE-AE-AVAILABILITY","title":"Wise availability in the United Arab Emirates","publisher":"Wise","url":"https://wise.com/ae/availability/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The UAE availability page advertises sending money worldwide from supported currencies.","It does not resolve the contradictory UAE waiting-list statement or establish every product feature."]},{"id":"SRC-WISE-AE-WAITLIST","title":"Wise UAE send-money page","publisher":"Wise","url":"https://wise.com/ae/send-money/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The page says Wise is not yet ready to let customers send from the UAE and offers a waiting list.","This conflicts with other current Wise UAE pages and requires editorial resolution before availability is published."]},{"id":"SRC-ADGM-WISE-NUQUD","title":"Wise Nuqud Ltd public register entry","publisher":"Abu Dhabi Global Market Financial Services Regulatory Authority","url":"https://www.adgm.com/public-registers/fsra/firms/financial-firms/wise-nuqud-ltd-190011","type":"regulator_register","authority":1,"observedAt":"2026-07-12","notes":["The register identifies Wise Nuqud Ltd and records its permission status as withdrawn on 26 September 2023.","The withdrawn permission cannot support a claim that this entity currently provides the UAE product."]},{"id":"SRC-AIRWALLEX-AE-PRELAUNCH","title":"Airwallex accelerates Middle East market entry","publisher":"Airwallex","url":"https://www.airwallex.com/global/newsroom/airwallex-accelerates-market-entry-in-the-middle-east-with-multiple","type":"official_company_announcement","authority":4,"observedAt":"2026-07-12","notes":["Airwallex announced in-principle CBUAE approval on 25 September 2025 and said it was preparing for go-live.","In-principle approval is not treated as a final licence or live UAE customer availability."]},{"id":"SRC-AIRWALLEX-AE-RESTRICTION","title":"Airwallex supported Global Account regions and currencies","publisher":"Airwallex","url":"https://www.airwallex.com/docs/accounts/supported-regions-and-currencies","type":"official_documentation","authority":4,"observedAt":"2026-07-12","notes":["Airwallex documents UAE AED local collection methods but states the UAE Global Account option is not available to customers based in the UAE.","A receiving capability for customers elsewhere must not be presented as UAE-based onboarding."]},{"id":"SRC-COINBASE-AE-VERIFICATION","title":"Coinbase identity verification documents","publisher":"Coinbase","url":"https://help.coinbase.com/en/coinbase/getting-started/getting-started-with-coinbase/id-doc-verification","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Coinbase lists passport, foreign national ID and Emirates ID as UAE identity documents.","Identity-document support alone does not resolve the exact UAE contracting entity or the scope of available services."]},{"id":"SRC-COINBASE-AE-PAYMENT-METHODS","title":"Coinbase payment methods for UAE customers","publisher":"Coinbase","url":"https://help.coinbase.com/en/coinbase/getting-started/add-a-payment-method/add-and-verify-pm-emea","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Coinbase lists a UAE-customer section with USD SWIFT cash-in and cash-out while buy and sell columns remain unavailable for the listed methods.","The page does not identify the exact UAE contracting entity, so NeobankDB keeps the market record in research."]},{"id":"SRC-FDIC-DEPOSIT-INSURANCE","title":"Understanding deposit insurance","publisher":"Federal Deposit Insurance Corporation","url":"https://www.fdic.gov/resources/deposit-insurance/understanding-deposit-insurance","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["FDIC insurance covers eligible deposits up to USD 250,000 per depositor, per FDIC-insured bank, per ownership category.","Corporation, partnership and unincorporated-association accounts are a distinct ownership category.","Balances at the same insured bank in the same ownership category are aggregated."]},{"id":"SRC-FDIC-PASS-THROUGH","title":"Pass-through deposit insurance coverage","publisher":"Federal Deposit Insurance Corporation","url":"https://www.fdic.gov/financial-institution-employees-guide-deposit-insurance/pass-through-deposit-insurance-coverage","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["Pass-through insurance can apply when a third party places customer funds at an FDIC-insured bank and all ownership, disclosure and recordkeeping requirements are satisfied.","Pass-through is not a separate ownership category and does not create duplicate coverage at the same bank.","If the requirements fail, coverage can be limited to the named account holder rather than each underlying customer."]},{"id":"SRC-NACHA-ACH","title":"ACH payments fact sheet","publisher":"Nacha","url":"https://www.nacha.org/content/ach-payments-fact-sheet","type":"payment_system_operator","authority":2,"observedAt":"2026-07-12","notes":["Nacha governs the ACH Network used for US direct deposits, direct payments and business-to-business payments.","Country-level ACH availability does not prove a particular provider, account or transaction supports an ACH flow."]},{"id":"SRC-FEDWIRE-FUNDS","title":"Fedwire Funds Services","publisher":"Board of Governors of the Federal Reserve System","url":"https://www.federalreserve.gov/paymentsystems/fedfunds_about.htm","type":"payment_system_operator","authority":1,"observedAt":"2026-07-12","notes":["Fedwire Funds Service is a real-time gross settlement system for immediate, final and irrevocable participant transfers once processed.","Direct participants are eligible financial institutions with Federal Reserve Bank accounts; a business customer's access depends on its provider."]},{"id":"SRC-BLUEVINE-US-ELIGIBILITY","title":"Apply for Bluevine Business Checking","publisher":"Bluevine","url":"https://support.bluevine.com/s/article/How-do-I-apply-for-a-Bluevine-Business-Checking-Account","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Applicants must be at least 18, own or represent a US-registered business and pass identity verification.","Supported entity types, owner countries and industries vary; applications remain subject to approval.","The process requests business, controller and 25-percent-or-more owner information and may require additional documents."]},{"id":"SRC-AIRWALLEX-US-PRICING","title":"Airwallex US plans and pricing","publisher":"Airwallex","url":"https://www.airwallex.com/en-us/pricing","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The dedicated pricing page lists Explore at USD 0 per user per month, Grow at USD 12 per user per month plus a team-size platform fee, and Accelerate as custom pricing.","FX, SWIFT, payment-processing and other transaction fees remain separate.","The Grow presentation conflicts with the business-account FAQ, so NeobankDB does not present one uncontested Grow total."]},{"id":"SRC-AIRWALLEX-US-ELIGIBILITY","title":"Airwallex documents required for US companies","publisher":"Airwallex","url":"https://help.airwallex.com/hc/en-gb/articles/4419267227417-Verifying-your-Business-in-the-US","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["US-company onboarding can require tax ID evidence, formation documents, business evidence and beneficial-owner or controller identity information.","Sole proprietors and higher-risk business models have separate documentation requirements.","Documentation requirements establish an application path, not guaranteed approval."]},{"id":"SRC-AIRWALLEX-US-LICENCES","title":"Airwallex US state licences","publisher":"Airwallex","url":"https://www.airwallex.com/en-us/state-licenses","type":"official_regulatory_disclosure","authority":3,"observedAt":"2026-07-12","notes":["Airwallex US, LLC identifies itself as licensed or authorised as a money transmitter in listed states.","Some US customers use Evolve Bank & Trust for payment services, while the Borderless Card is issued by Community Federal Savings Bank.","Partner-bank membership must not be rewritten as Airwallex itself being an FDIC-insured bank."]},{"id":"SRC-WISE-US-BUSINESS","title":"Wise Business United States","publisher":"Wise","url":"https://wise.com/us/business/","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Wise Business supports international payments, multi-currency receiving details, cards and team controls for eligible US businesses.","The page lists a one-time USD 31 fee to unlock business account details.","Wise is not an FDIC-insured bank; only eligible USD funds opted into the interest feature can receive conditional pass-through coverage through a Program Bank."]},{"id":"SRC-WISE-US-BUSINESS-PRICING","title":"Wise Business US receiving fees","publisher":"Wise","url":"https://wise.com/us/pricing/business/receive","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The US pricing page lists USD 31 to unlock local account details in supported currencies.","It lists domestic non-wire receipts as free and USD wire or SWIFT receipts at USD 6.11 per payment.","Conversion, sending, card and other method-specific fees remain separate."]},{"id":"SRC-WISE-US-BUSINESS-ELIGIBILITY","title":"Verify a US business with Wise","publisher":"Wise","url":"https://wise.com/help/articles/2953878/how-do-i-verify-my-us-business","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Wise requests business registration, tax, physical trading address, activity, controller and 25-percent-or-more owner details.","The page states that businesses from Nevada and specified US territories cannot be onboarded due to licensing limitations.","Verification requirements can vary by entity and do not guarantee approval."]},{"id":"SRC-WISE-US-PROTECTION","title":"How Wise US Inc. protects customer funds","publisher":"Wise","url":"https://wise.com/help/articles/5toCJQjm9MkTs8bEKSm30O/how-our-us-entity-wise-us-inc-protects-customer-funds","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Wise US Inc. keeps customer funds separate in a mix of cash at commercial banks and secure liquid assets.","Wise is not a bank and ordinary balances without the interest feature are not FDIC insured.","Eligible USD funds opted into the interest feature may receive up to USD 250,000 in pass-through insurance through the current Program Bank, subject to aggregation and programme rules."]},{"id":"SRC-PAYPAL-US-BUSINESS-FEES","title":"PayPal US merchant fees","publisher":"PayPal","url":"https://www.paypal.com/us/business/paypal-business-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The fee schedule applies to US accounts and was last updated on 29 June 2026.","Standard domestic PayPal Checkout is listed at 3.49 percent plus the fixed fee, while standard card payments are listed at 2.99 percent plus the fixed fee.","International, invoicing, alternative-method, conversion and other product fees use separate rows and conditions.","The current withdrawal table lists standard eligible bank or card transfer with no PayPal fee when no conversion occurs and Instant Transfer at 1.50 percent with a USD 0.50 minimum; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure."]},{"id":"SRC-PAYONEER-BUSINESS-PRICING","title":"Payoneer business pricing","publisher":"Payoneer","url":"https://www.payoneer.com/about/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Payoneer publishes business, marketplace and freelancer cross-border pricing, including US-specific payment-method examples.","The schedule says availability and exact pricing vary by jurisdiction, eligibility, account type, method and corridor.","The page does not by itself resolve the exact contracting entity and full availability for a US-registered business account."]},{"id":"SRC-PAYONEER-US-LICENSES","title":"Payoneer state licences and disclosures","publisher":"Payoneer","url":"https://www.payoneer.com/state-licenses-and-disclosures/","type":"official_regulatory_disclosure","authority":2,"observedAt":"2026-07-12","notes":["The disclosure identifies Payoneer Inc., NMLS ID 1041524, and lists its current United States money-transmitter licences.","A money-transmitter licence supports payment services but does not make Payoneer Inc. a bank or turn customer balances into bank deposits."]},{"id":"SRC-PAYONEER-US-DFPI","title":"Payoneer Inc. regulated-entity record","publisher":"California Department of Financial Protection and Innovation","url":"https://dfpi.ca.gov/regulated_entity/payoneer-inc/","type":"regulator_register","authority":1,"observedAt":"2026-07-12","notes":["California DFPI lists Payoneer Inc. as a regulated money transmitter under licence ID 2522.","The record independently confirms the United States operating entity and licence type without establishing bank status."]},{"id":"SRC-PAYONEER-SEC-2025","title":"Payoneer Global Inc. 2025 Form 10-K","publisher":"United States Securities and Exchange Commission","url":"https://www.sec.gov/Archives/edgar/data/1845815/000110465926020487/payo-20251231x10k.htm","type":"regulator_filing","authority":1,"observedAt":"2026-07-12","notes":["The filing describes Payoneer as a financial technology company and the Payoneer Account as a business-focused multi-currency payment account.","It states that Payoneer is registered with FinCEN as an MSB and licensed as a money transmitter where required in the United States.","Customer balances are direct claims against the company; underlying customer funds are held in dedicated bank accounts and can be invested in debt securities and term deposits.","The filing says the vast majority of relevant cash funds exceed applicable FDIC limits or are held where deposit insurance is unavailable, so NeobankDB does not attach a generic FDIC badge to Payoneer balances."]},{"id":"SRC-PAYONEER-MULTICURRENCY","title":"Payoneer multi-currency business account","publisher":"Payoneer","url":"https://www.payoneer.com/multi-currency-account/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-13","notes":["The page describes one Payoneer Account with receiving details for USD, GBP, EUR, AUD, CAD, SGD, HKD, AED, MXN and JPY workflows.","It identifies United States USD receiving by ACH and states that availability remains subject to terms and eligibility.","The page lists USD local-bank-transfer receiving as free for customers in the United States while other customers can pay up to one percent."]},{"id":"SRC-PAYONEER-PAY-BALANCE","title":"Pay using a Payoneer balance","publisher":"Payoneer","url":"https://www.payoneer.com/pay-from-payoneer-balance/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Eligible customers can pay another Payoneer account or a recipient bank account and can create batch payments of up to 1,000 transactions.","Fees depend on recipient location, currency, region and transaction volume; exact in-account pricing controls over marketing examples.","The payment service is for business expenses, suppliers, employees and tax authorities, not unrestricted consumer person-to-person use."]},{"id":"SRC-PAYONEER-WITHDRAW","title":"Withdraw Payoneer funds to a bank account","publisher":"Payoneer","url":"https://www.payoneer.com/withdraw-funds/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Payoneer describes withdrawals to verified personal or company bank accounts with country, currency and identity checks.","Bank transfers are described across supported countries, but speed, conversion and limits remain account- and corridor-specific.","India remains a separate flow in which received funds are automatically withdrawn to the local bank account under current guidance."]},{"id":"SRC-PAYONEER-CARD","title":"Payoneer commercial card programme","publisher":"Payoneer","url":"https://www.payoneer.com/commercial-card/","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Card availability is conditional on region, customer eligibility and a stated minimum of USD 100 received in the prior six months.","Eligible customers may receive a Payoneer Business Premium Debit Mastercard issued by Payoneer Europe Limited or a Corporate Purchasing Mastercard issued by First Century Bank, N.A. and provided by Payoneer Inc.","Employee cards and spending limits are documented, but a card issuer does not turn the Payoneer Account balance into a bank deposit."]},{"id":"SRC-PAYONEER-SECURITY","title":"Payoneer Security Center","publisher":"Payoneer","url":"https://www.payoneer.com/about/security-center/","type":"official_security_guidance","authority":4,"observedAt":"2026-07-12","notes":["Payoneer documents two-step verification, authenticator-app and mobile push options, CAPTCHA, adaptive authentication, web application firewalls and transaction monitoring.","The page lists PCI DSS Level 1 and SOC 1 Type II and SOC 2 Type II assessments as company-reported controls.","These documented controls do not prove that NeobankDB independently tested account security or incident response."]},{"id":"SRC-PAYONEER-SUPPORT","title":"Payoneer account support","publisher":"Payoneer","url":"https://pages.payoneer.com/account-support/","type":"official_support_guidance","authority":4,"observedAt":"2026-07-12","notes":["Payoneer states that Customer Care is available 24/7 through eligible live-chat, email, phone and WhatsApp channels after account sign-in.","Dedicated account-management benefits and fee or limit benefits remain account-, activity-, jurisdiction- and eligibility-specific.","Published availability does not establish response time or support quality."]},{"id":"SRC-PAYONEER-ERROR-RESOLUTION","title":"Payoneer transaction or transfer error resolution policy","publisher":"Payoneer","url":"https://www.payoneer.com/about/transaction-or-transfer-error/","type":"official_policy","authority":3,"observedAt":"2026-07-12","notes":["The policy asks customers to report suspected errors or unauthorised transactions within 60 days and describes investigation timeframes.","The page provides a dispute path and a New York customer-service mailing address but does not guarantee a particular outcome."]},{"id":"SRC-PAYONEER-GOOGLE-PLAY","title":"Payoneer Business Payments on Google Play","publisher":"Google Play","url":"https://play.google.com/store/apps/details?hl=en_US&id=com.payoneer.android","type":"app_store_listing","authority":8,"observedAt":"2026-07-12","notes":["The US listing identifies Payoneer Inc. as the developer and showed a 4.1-star snapshot, about 157,000 reviews and more than 10 million downloads.","The app was listed as updated on 16 June 2026 and describes business payment, balance and withdrawal functions.","Store metrics are dynamic snapshots and do not become a NeobankDB reliability or support score."]},{"id":"SRC-PAYONEER-APPLE-APP","title":"Payoneer Business Payments on the US App Store","publisher":"Apple App Store","url":"https://apps.apple.com/us/app/payoneer-business-payments/id663338402","type":"app_store_listing","authority":8,"observedAt":"2026-07-12","notes":["The US listing identifies Payoneer Inc. as the seller and documents iPhone, iPad and compatible Apple-platform availability.","Apple states that the developer-provided privacy information is not independently verified by Apple.","NeobankDB did not independently test the app or derive sentiment from individual reviews."]},{"id":"SRC-PAYONEER-STATUS","title":"Payoneer service status","publisher":"Payoneer","url":"https://status.payoneer.com/","type":"official_status_page","authority":4,"observedAt":"2026-07-12","notes":["The status page showed the listed Payoneer systems operational when observed and exposes recent incident and maintenance history.","A current operational snapshot is not evidence of a historical uptime percentage or a reliability score, and client-specific issues may not appear."]},{"id":"SRC-PAYPAL-US-BALANCE-TERMS","title":"PayPal Balance Terms and Conditions","publisher":"PayPal","url":"https://www.paypal.com/us/legalhub/paypal/pp-balance-tnc","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["PayPal Balance is provided by PayPal, Inc.; PayPal is not a bank and is not FDIC insured.","Ordinary Balance funds are unsecured claims against PayPal unless an enumerated PayPal Debit Card, Direct Deposit or personal cryptocurrency condition applies.","Eligible US-dollar balances are placed at Program Banks for conditional pass-through FDIC treatment; the protection is against Program Bank failure, is subject to aggregation and regulatory conditions, and does not protect cryptocurrency or PayPal failure."]},{"id":"SRC-PAYPAL-US-PROGRAM-BANKS","title":"PayPal Program Banks","publisher":"PayPal","url":"https://www.paypal.com/us/legalhub/paypal/program-banks-tnc","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The current list names Goldman Sachs Bank USA, Wells Fargo Bank, N.A. and JPMorgan Chase Bank, N.A. as Program Banks.","PayPal lists the exact personal and business conditions that make eligible US-dollar balance funds subject to possible pass-through FDIC insurance.","Other balance funds and all cryptocurrency are excluded from the stated Program Bank treatment."]},{"id":"SRC-PAYPAL-US-CONSUMER-FEES","title":"PayPal United States consumer fees","publisher":"PayPal","url":"https://www.paypal.com/us/webapps/mpp/paypal-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The schedule was last updated on 19 May 2025 and applies to US accounts.","It lists no PayPal fee for purchases without conversion, no fee for domestic personal payments funded by balance or bank, and 2.90 percent plus a fixed fee when funded by card.","It lists a 1.75 percent Instant Transfer fee with observed USD 0.25 minimum and USD 25 maximum, a 4 percent conversion spread for specified payment conversions and separate crypto fees and limits.","The current withdrawal table lists standard transfer to an eligible linked bank or debit card with no PayPal fee when no conversion occurs; bank Instant Transfer is listed up to USD 25,000 per transaction, subject to eligibility and live disclosure."]},{"id":"SRC-PAYPAL-US-DEBIT-CARD","title":"PayPal Debit Mastercard Cardholder Agreement","publisher":"PayPal and The Bancorp Bank","url":"https://www.paypal.com/us/legalhub/paypal/consumer-debitcard-agreement","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement was last updated on 26 January 2026 and identifies The Bancorp Bank, N.A. as card issuer.","The card is a personal debit card linked to PayPal Balance, not a credit card and not for business use.","Card error and unauthorised-transaction protections are subject to the agreement's notice and eligibility requirements."]},{"id":"SRC-PAYPAL-US-SAVINGS","title":"PayPal Savings","publisher":"PayPal and Synchrony Bank","url":"https://www.paypal.com/us/digital-wallet/manage-money/start-saving","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["PayPal Savings is a personal deposit account provided by Synchrony Bank, Member FDIC; PayPal itself is not a bank.","A PayPal Balance account is required, and transfers into or out of Savings pass through PayPal Balance.","The page showed a 3.30 percent variable APY as of 16 June 2026; the rate can change and the FDIC limit aggregates eligible ownership-category funds held at Synchrony Bank."]},{"id":"SRC-PAYPAL-US-PURCHASE-PROTECTION","title":"PayPal Purchase Protection Program","publisher":"PayPal","url":"https://www.paypal.com/us/legalhub/paypal/buyer-protection","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The programme terms were last updated on 26 January 2026.","Eligible item-not-received and significantly-not-as-described claims may qualify, subject to exclusions, deadlines, evidence and PayPal's determination.","Purchase Protection is transaction dispute coverage, not deposit insurance and not a guarantee of reimbursement."]},{"id":"SRC-PAYPAL-US-SELLER-PROTECTION","title":"PayPal Seller Protection Program","publisher":"PayPal","url":"https://www.paypal.com/us/legalhub/paypal/seller-protection","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The programme terms were last updated on 26 January 2026.","Eligible unauthorised-transaction, item-not-received and specified reversal cases may qualify only when all base and transaction-specific requirements are met.","Transaction details, shipping evidence, exclusions and PayPal's eligibility decision control; the programme is not universal chargeback protection."]},{"id":"SRC-PAYPAL-US-SECURITY","title":"PayPal two-step verification guidance","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/article/what-is-2-step-verification-help167","type":"official_security_guidance","authority":4,"observedAt":"2026-07-12","notes":["PayPal documents authenticator-app two-step verification for account access.","Published controls are not evidence that NeobankDB independently security-tested PayPal."]},{"id":"SRC-PAYPAL-US-PASSKEY","title":"PayPal passkey guidance","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/article/what-is-a-passkey-and-how-do-i-use-it-to-log-in-to-my-paypal-account-help997","type":"official_security_guidance","authority":4,"observedAt":"2026-07-12","notes":["PayPal documents device-bound passkeys using the device biometric, PIN or password.","The guidance states that biometric data is not shared with PayPal and remains on the device.","A documented login option is not evidence that NeobankDB independently tested enrolment, recovery or every supported device."]},{"id":"SRC-PAYPAL-US-RESOLUTION-CENTER","title":"PayPal Resolution Center","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/article/what-is-the-resolution-center-help246","type":"official_support","authority":4,"observedAt":"2026-07-12","notes":["The Resolution Center accepts reports for non-delivery, not-as-described goods, unauthorised transactions and billing issues.","Users can communicate with the other party, escalate an eligible dispute to a claim and monitor case status.","The documented route does not establish response quality, processing time or outcome for a particular case."]},{"id":"SRC-PAYPAL-IN-FEES","title":"PayPal India merchant fees","publisher":"PayPal","url":"https://www.paypal.com/in/business/paypal-business-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The India schedule was last updated on 28 March 2024 and says India accounts support international payments only.","It lists 4.40 percent plus the currency fixed fee for receiving international commercial transactions, with separate conversion and dispute-fee rows.","Standard bank withdrawal is listed without a PayPal fee when no conversion applies; the dated schedule and transaction preview must be rechecked before use."]},{"id":"SRC-PAYPAL-GOOGLE-PLAY","title":"PayPal on Google Play","publisher":"Google Play","url":"https://play.google.com/store/apps/details?hl=en-US&id=com.paypal.android.p2pmobile","type":"app_store_listing","authority":8,"observedAt":"2026-07-12","notes":["The US listing showed 4.2 stars, about 3.7 million reviews and more than 100 million downloads when observed.","It identified PayPal Mobile as developer and listed the app as updated on 3 July 2026.","Store ratings are dynamic snapshots and are not a NeobankDB usability, reliability or support score."]},{"id":"SRC-PAYPAL-APPLE-APP","title":"PayPal on the US App Store","publisher":"Apple App Store","url":"https://apps.apple.com/us/app/paypal-pay-send-save/id283646709","type":"app_store_listing","authority":8,"observedAt":"2026-07-12","notes":["The US listing showed 4.8 stars from about 6.3 million ratings and identified PayPal, Inc. as seller when observed.","The listing showed version 8.107.2 dated 11 June 2026 and disclosed developer-reported privacy data categories.","Apple states that the developer's privacy information is not verified by Apple; NeobankDB did not independently test the app."]},{"id":"SRC-PAYPAL-STATUS","title":"PayPal production status","publisher":"PayPal","url":"https://www.paypal-status.com/product/production","type":"official_status_page","authority":4,"observedAt":"2026-07-12","notes":["PayPal publishes a production status page for service components and incidents.","A point-in-time status view is not a measured historical uptime percentage and may not represent an individual account or transaction problem.","NeobankDB did not run a synthetic reliability test against PayPal services."]},{"id":"SRC-AIRWALLEX-US-BUSINESS-ACCOUNT","title":"Airwallex United States Business Account","publisher":"Airwallex","url":"https://www.airwallex.com/en-us/business-account","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Airwallex describes a US business-only global account for multi-currency collection, conversion, transfers, corporate cards and accounting integrations.","The page says a business can enrol in the Explore plan without an account-opening charge; transaction and product fees remain separate.","Global coverage statements do not prove every customer, currency, rail, local detail or recipient is eligible."]},{"id":"SRC-AIRWALLEX-US-PROTECTION","title":"How Airwallex protects United States customer funds","publisher":"Airwallex","url":"https://help.airwallex.com/hc/en-gb/articles/4404265644185-How-does-Airwallex-keep-my-money-safe","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Evolve Bank & Trust, Member FDIC, provides payment services to certain US-based Airwallex customers.","Airwallex says eligible customer funds at Evolve are held in an omnibus account for customers' benefit and are intended to remain eligible for pass-through insurance to the extent permitted by law.","Airwallex itself is not a bank; customer eligibility, placement, ownership records, aggregation and FDIC requirements must not be replaced by a blanket insured-balance claim."]},{"id":"SRC-AIRWALLEX-US-CARDS","title":"Airwallex United States corporate cards","publisher":"Airwallex","url":"https://www.airwallex.com/en-us/spend-management/cards","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Airwallex describes virtual company and employee cards plus eligible physical employee cards, with card, category and time-period controls.","The page states that cards draw from the multi-currency balance and lists no foreign transaction fee when spending an available currency balance; conversion can still apply when the currency is not held.","Card availability, issuer, controls, rewards and limits remain customer- and programme-specific."]},{"id":"SRC-AIRWALLEX-US-PAYMENTS","title":"Airwallex United States payment acceptance","publisher":"Airwallex","url":"https://www.airwallex.com/en-us/payments","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The US payment page lists domestic card acceptance at 2.80 percent plus USD 0.30 and international cards at 4.30 percent plus USD 0.30.","It lists local payment methods at USD 0.30 plus the method fee and describes platform and marketplace payment integrations.","Acceptance, settlement, disputes, conversion and method-specific conditions remain separate from the Business Account transfer price."]},{"id":"SRC-WISE-US-BUSINESS-CARD","title":"Wise Business card pricing in the United States","publisher":"Wise","url":"https://wise.com/us/pricing/business/card-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Wise lists the first US business card without a subscription fee and additional team cards at a USD 5 one-time charge per card.","The schedule lists no Wise ATM fee up to USD 250 withdrawn per calendar month, then USD 1.95 plus 1.95 percent per withdrawal; ATM operators may add fees.","Card availability, limits, merchant treatment and conversion charges remain customer- and transaction-specific."]},{"id":"SRC-WISE-BUSINESS-BATCH","title":"Wise Business batch payments","publisher":"Wise","url":"https://wise.com/help/articles/2663240/guide-to-batch-payments","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Verified Wise Business accounts can upload CSV or XLSX templates for batches of up to 1,000 payments.","Authorised team members can prepare batches, with configured approval requirements applying before release.","Batch availability, recipient details, funding, fees and timing remain subject to market and route conditions."]},{"id":"SRC-WISE-BUSINESS-TEAM","title":"Wise Business team members and payment approvals","publisher":"Wise","url":"https://wise.com/help/articles/2977953/how-do-i-add-or-remove-team-members","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise Business owners or authorised users can invite team members and assign account, transfer and card permissions.","Card spending limits and one- or two-person payment approvals can be attached to eligible team-member actions.","Permissions support separation of duties but do not guarantee fraud prevention, payment acceptance or uninterrupted access."]},{"id":"SRC-WISE-US-QUICKBOOKS","title":"Wise Business QuickBooks integration in the United States","publisher":"Wise","url":"https://wise.com/us/business/quickbooks","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise documents supported currency-transaction feeds, bill payment and reconciliation through its QuickBooks connection.","The user selects currencies and grants data-sharing consent; region and third-party connection conditions can apply.","The integration does not prove every accounting object, historic record or workflow synchronises."]},{"id":"SRC-FCAC-MANDATE","title":"Financial Consumer Agency of Canada mandate","publisher":"Financial Consumer Agency of Canada","url":"https://www.canada.ca/en/financial-consumer-agency/corporate/mandate.html","type":"official_regulatory_guidance","authority":1,"observedAt":"2026-07-12","notes":["FCAC supervises federally regulated financial entities for compliance with federal consumer-protection measures.","Its mandate is market context and does not establish that every provider on this page is a federally regulated bank.","Provincial, securities, payments, AML and deposit-insurance regimes remain separate where applicable."]},{"id":"SRC-CDIC-DEPOSIT-COVERAGE","title":"What's covered by CDIC deposit insurance","publisher":"Canada Deposit Insurance Corporation","url":"https://www.cdic.ca/depositors/whats-covered/","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["CDIC describes automatic coverage for eligible deposits at member institutions, generally up to CAD 100,000 including principal and interest in each insured category.","Coverage depends on the exact member institution, depositor, ownership category and aggregation rules.","Cryptocurrencies are not eligible deposits, and a fintech or wallet must not inherit a CDIC label from a partner institution without the required trust and record conditions."]},{"id":"SRC-PAYMENTS-CA-ACSS","title":"Automated Clearing Settlement System","publisher":"Payments Canada","url":"https://www.payments.ca/systems-services/payment-systems/retail-batch-payment-system","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["Payments Canada describes ACSS and USBE as Canada's retail batch payment system for eligible paper and electronic payment items.","This establishes market infrastructure only; it does not prove that every provider supports EFT, cheque, debit or a specific clearing path.","Provider-level direction, timing, limits, holds and eligibility require separate evidence."]},{"id":"SRC-PAYMENTS-CA-LYNX","title":"Lynx high-value payment system","publisher":"Payments Canada","url":"https://www.payments.ca/systems-services/payment-systems/high-value-payment-system-lynx","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["Payments Canada describes Lynx as Canada's high-value payment system using real-time gross settlement with final settlement.","Direct participation belongs to eligible financial institutions; a consumer-facing wire feature may rely on intermediaries.","The rail record does not establish provider pricing, cutoffs, availability or delivery time."]},{"id":"SRC-INTERAC-ETRANSFER","title":"How to send money with Interac e-Transfer","publisher":"Interac Corp.","url":"https://www.interac.ca/en/how-to-use/interac-e-transfer/how-to-send-money-with-interac-e-transfer/","type":"official_payment_rail","authority":2,"observedAt":"2026-07-12","notes":["Interac describes e-Transfer as a way to send, request and receive money through participating Canadian financial institutions and online banking.","Both parties generally require Canadian accounts at participating institutions for the standard flow.","Limits and fees are set by the financial institution; the market rail must not be treated as a universal provider feature."]},{"id":"SRC-EQ-PERSONAL-AGREEMENT","title":"EQ Bank Personal Account Agreement","publisher":"EQ Bank","url":"https://www.eqbank.ca/legal/personal-account-agreement","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies EQ Bank as a trade name of Equitable Bank and governs the Personal Account.","It states no monthly maintenance fee while preserving transaction limits, linked-account checks, deposit holds and eligibility conditions.","The cited product does not accept cash or wire deposits; exact transaction methods must be checked before use."]},{"id":"SRC-EQ-FEES-FEATURES","title":"EQ Bank Personal Account fees and features","publisher":"EQ Bank","url":"https://www.eqbank.ca/personal-banking/personal-account/fees-and-features","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["EQ lists no monthly account fee and no EQ fee for listed everyday banking services including eligible EFT, Interac e-Transfer and bill payment use.","Published limits, deposit holds, third-party charges and feature conditions remain applicable.","A no-fee row is product-specific and is not a claim that every possible transaction is free."]},{"id":"SRC-EQ-RATES","title":"EQ Bank account rates","publisher":"EQ Bank","url":"https://www.eqbank.ca/rates?tab=compare-accounts","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The rate table observed on 12 July 2026 showed a 1.00 percent Personal Account base rate and a 2.75 percent rate with a qualifying recurring monthly direct deposit of at least CAD 2,000; rates can change.","EQ states that Equitable Bank is a CDIC member and that eligible deposits under EQ Bank and Equitable Bank are aggregated by depositor and insured category.","Product and provincial availability conditions, including stated Quebec exclusions for some products, require exact checks."]},{"id":"SRC-WEALTHSIMPLE-CHEQUING-AGREEMENT","title":"Wealthsimple Chequing Account User Agreement","publisher":"Wealthsimple","url":"https://www.wealthsimple.com/en-ca/legal/cash-user-agreement","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement is with Wealthsimple Payments Inc., which identifies itself as a FINTRAC-registered MSB and a Bank of Canada-registered payment service provider; registration is not an endorsement.","Eligibility includes Canadian residency, age of majority and identity verification conditions.","Chequing funds are held in trust in accounts at one or more CDIC-member institutions; applicable coverage depends on the member, insured category, records and aggregation rules."]},{"id":"SRC-WEALTHSIMPLE-CHEQUING","title":"Wealthsimple Chequing account","publisher":"Wealthsimple","url":"https://www.wealthsimple.com/en-ca/chequing","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Wealthsimple lists no monthly account fee, no Wealthsimple foreign-transaction fee, eligible ATM-fee reimbursement and no Wealthsimple Interac e-Transfer fee for the chequing product.","The page says Wealthsimple is not a bank or CDIC member and describes a trust arrangement across CDIC-member institutions.","Interest tiers, transfer limits, reimbursement, wire pricing and partner allocation are conditional and can change."]},{"id":"SRC-WEALTHSIMPLE-PRICING","title":"Wealthsimple plans and fees","publisher":"Wealthsimple","url":"https://www.wealthsimple.com/en-ca/pricing","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed pricing table listed CAD 0 monthly chequing fees and no account minimum for Core, Premium and Generation tiers.","It listed chequing rates of 1.25, 1.75 and 2.25 percent by tier; rates and tier eligibility can change.","It describes potential CDIC coverage through a trust allocation across up to ten member institutions; this is conditional, not a Wealthsimple bank-membership claim."]},{"id":"SRC-WISE-CA-REGULATION","title":"How Wise is regulated in Canada","publisher":"Wise","url":"https://wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region","type":"official_regulatory_disclosure","authority":3,"observedAt":"2026-07-12","notes":["Wise identifies Wise Payments Canada Inc. as the Canadian entity and publishes FINTRAC MSB registration M15193392.","It also identifies a Revenu Quebec money-services licence for its Quebec operations.","MSB or licence status must not be rewritten as bank status or deposit insurance."]},{"id":"SRC-WISE-CA-AVAILABILITY","title":"Countries where customers can hold money with Wise","publisher":"Wise","url":"https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise/","type":"official_availability","authority":4,"observedAt":"2026-07-12","notes":["Canada is included in Wise's current list of places whose residents can hold money in a Wise account.","Holding eligibility does not prove every currency, card, receiving detail, transfer direction or business feature.","Customer verification, unsupported activities and route-specific restrictions still apply."]},{"id":"SRC-WISE-CA-PRICING","title":"Wise Canada pricing","publisher":"Wise","url":"https://wise.com/ca/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The Canadian schedule lists free registration and holding, with send and conversion pricing starting from 0.48 percent on eligible routes.","Fees depend on amount, currency, funding method and transaction route and are shown before confirmation.","The page states that Wise cards cannot be used for local ATM withdrawals in Canada; card availability must not be inferred from global marketing."]},{"id":"SRC-PAYPAL-CA-AGREEMENT","title":"PayPal Canada User Agreement","publisher":"PayPal","url":"https://www.paypal.com/ca/legalhub/paypal/useragreement-full","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement, last updated 10 June 2026 when observed, is between Canadian account holders and PayPal Canada Co.","PayPal says it is not a bank, balances are not deposits and funds are not covered by CDIC or a provincial deposit insurer.","It describes pooled eligible-institution safeguarding under Canada's payment-services framework; account, transaction, withdrawal, conversion and fee conditions remain separate."]},{"id":"SRC-COINBASE-CA-AGREEMENT","title":"Coinbase Canada User Agreement","publisher":"Coinbase","url":"https://www.coinbase.com/en-gb/legal/user_agreement/canada","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement, last updated 22 May 2026 when observed, is with Coinbase Canada, Inc., a British Columbia corporation.","Coinbase states that it is registered as a Restricted Dealer in all Canadian provinces and territories.","Fiat-wallet funds and digital assets may not be protected by CIPF, CDIC or another investor-protection or insurance scheme; services, assets and fees remain conditional."]},{"id":"SRC-COINBASE-CA-PAYMENT-METHODS","title":"Coinbase payment methods for Canadian customers","publisher":"Coinbase","url":"https://help.coinbase.com/en/coinbase/getting-started/add-a-payment-method/add-and-verify-pm-namerica-latam","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The Canadian table lists conditional Interac e-Transfer, EFT, 3-D Secure card, wire and PayPal functions with different buy, add-cash and cash-out capabilities.","EFT deposits may be credited for trading before a withdrawal or send hold ends.","Published speed is an estimate and does not guarantee bank acceptance, network timing, limits, fee treatment or asset availability."]},{"id":"SRC-AIRWALLEX-CA-BUSINESS","title":"Airwallex Canadian Business Account","publisher":"Airwallex","url":"https://www.airwallex.com/en-ca/business-account/","type":"official_product","authority":5,"observedAt":"2026-07-13","notes":["Airwallex describes a Canadian business-only account for eligible organisations, with multicurrency collection, transfers and corporate-card tooling.","It identifies Airwallex (Canada) International Payments Limited and FINTRAC MSB registration M19395067.","Business verification, entity type, currencies, destinations, features and approval timing remain conditional."]},{"id":"SRC-AIRWALLEX-CA-PRICING","title":"Airwallex Canada plans and pricing","publisher":"Airwallex","url":"https://www.airwallex.com/en-ca/pricing","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The Explore plan was listed at CAD 0 per user per month for up to ten eligible Spend users when observed; transaction and product fees remain separate.","The table listed 0.5 percent above interbank rates for major-currency FX, 1 percent for other currencies, and CAD 20 to 35 for cited SWIFT transfer modes.","Pricing, route availability, plan definition, team size, network charges and custom terms can change."]},{"id":"SRC-AIRWALLEX-CA-PROTECTION","title":"How Airwallex safeguards Canadian customer funds","publisher":"Airwallex","url":"https://help.airwallex.com/hc/en-gb/articles/4404265644185-How-does-Airwallex-keep-my-money-safe","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-13","notes":["Airwallex says its Canadian entity is a FINTRAC-registered MSB, Revenu Quebec-licensed MSB and Bank of Canada-registered payment service provider.","It says Canadian customer funds are held in a separate RPAA trust account and are unavailable to Airwallex creditors, its banks or third parties.","Safeguarding is not presented as CDIC deposit insurance or as Airwallex being a bank."]},{"id":"SRC-APRA-FCS","title":"Financial Claims Scheme for banks, building societies and credit unions","publisher":"Australian Prudential Regulation Authority","url":"https://www.apra.gov.au/financial-claims-scheme-banks-building-societies-and-credit-unions","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["APRA states that eligible deposits are protected up to AUD 250,000 for each account holder at each Australian-incorporated authorised deposit-taking institution if the Australian Government activates the Financial Claims Scheme.","Coverage depends on the exact ADI, account holder, eligible account and aggregation across banking businesses operated under the same licence.","Foreign-currency deposits and funds at non-ADI institutions are not covered by the general deposit statement."]},{"id":"SRC-APRA-ADI-REGISTER","title":"List of registered authorised deposit-taking institutions","publisher":"Australian Prudential Regulation Authority","url":"https://www.apra.gov.au/registers/list-registered-authorised-deposit-taking-institutions","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["The register updated 1 July 2026 lists Bendigo and Adelaide Bank Limited, National Australia Bank Limited and Wise Australia Pty Ltd among Australian ADIs.","Wise's authorisation is a purchased-payment-facility ADI authorisation and must not be rewritten as an unrestricted retail-bank licence.","A trading name or product inherits no separate licence; the exact issuing entity and protection conditions remain required."]},{"id":"SRC-RBA-NPP","title":"The New Payments Platform","publisher":"Reserve Bank of Australia","url":"https://www.rba.gov.au/payments-and-infrastructure/new-payments-platform/","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["The RBA describes the NPP as open-access fast-payment infrastructure with near real-time availability, 24/7 operation and richer payment information.","The RBA's Fast Settlement Service settles NPP transactions between participating institutions in central-bank funds.","Market infrastructure does not establish that every provider, product, direction or account supports an NPP service."]},{"id":"SRC-APPLUS-PAYID","title":"PayID frequently asked questions","publisher":"Australian Payments Plus","url":"https://www.auspayplus.com.au/solutions/payid-faqs","type":"official_payment_rail","authority":2,"observedAt":"2026-07-12","notes":["AP+ describes PayID as an identifier linked to an eligible account and managed through participating online banking services.","PayID payments use the NPP and can be held for security checks; participating institutions set customer access and conditions.","A country-level PayID record does not prove a provider feature, payment limit, fee or completion time."]},{"id":"SRC-RBA-BECS","title":"Decommissioning of the Bulk Electronic Clearing System risk assessment","publisher":"Reserve Bank of Australia","url":"https://www.rba.gov.au/payments-and-infrastructure/new-payments-platform/bulk-electronic-clearing-system/decommissioning-of-the-becs-rba-risk-assessment/pdf/becs-decommissioning-risk-assessment.pdf","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["The RBA describes BECS as Australia's direct-entry system for salaries, welfare and pensions plus recurring direct debits.","Industry has communicated a target to retire BECS in favour of modern infrastructure, subject to ongoing review.","BECS market context does not establish that every provider supports direct credits, debits or a particular processing time."]},{"id":"SRC-UP-AU-TERMS","title":"Up terms and conditions","publisher":"Up","url":"https://up.com.au/terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Up identifies itself as a brand of Bendigo and Adelaide Bank Limited, which holds AFSL and Australian Credit Licence 237879.","The page states that deposits with Up are protected under the Financial Claims Scheme, subject to the scheme and product terms.","The terms were last modified 29 January 2026 when observed."]},{"id":"SRC-UP-AU-PRODUCT-TERMS","title":"Up Personal Accounts Terms and Conditions","publisher":"Up","url":"https://up.com.au/product-terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Bendigo and Adelaide Bank Limited is the issuer of the Up Everyday, Saver and related cited deposit products.","The cited personal accounts are for individuals over 16 for private or domestic use and exclude business use.","The terms define NPP, Osko, PayID, BPAY and card functions but preserve product limits, holds, fees and security conditions."]},{"id":"SRC-UP-AU-PRICING","title":"Up pricing","publisher":"Up","url":"https://up.com.au/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists free unlimited direct debits, no Up international-transaction fee and a free digital debit card for the cited account features.","The page lists variable Grow and Flow rates with balance caps and conditions; rates can change and are not universal account returns.","It reiterates that eligible Up deposits aggregate with Bendigo and Adelaide Bank deposits under the FCS limit."]},{"id":"SRC-UBANK-AU-GENERAL-TERMS","title":"Ubank General Terms","publisher":"Ubank","url":"https://www.ubank.com.au/wp-content/uploads/general-terms.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Ubank identifies itself as part of National Australia Bank Limited, which issues the products and is an APRA-authorised ADI.","Eligible Ubank deposits aggregate with other NAB accounts for the Financial Claims Scheme limit.","The general terms preserve exact product, account, payment, set-off, eligibility and fee conditions."]},{"id":"SRC-UBANK-AU-SPEND","title":"Ubank Spend transaction account","publisher":"Ubank","url":"https://www.ubank.com.au/banking/transaction-account","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Ubank lists no monthly fees for the cited Spend accounts and no Ubank fee for domestic card purchases or ATM withdrawals.","Merchants, ATM operators and other third parties may charge fees, and exact limits and payment conditions apply.","The Spend account is a personal transaction account issued through the NAB entity rather than a separate Ubank licence."]},{"id":"SRC-UBANK-AU-SAVE","title":"Ubank Save account and bonus interest","publisher":"Ubank","url":"https://www.ubank.com.au/banking/savings-account/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists a 5.10 percent ongoing variable bonus rate from 12 May 2026 on eligible combined balances up to AUD 1 million when the monthly growth condition is met.","An eligible new-customer welcome rate, account-count rules, offsets and balances above the cap use separate conditions.","FCS coverage remains capped and aggregated at NAB; the interest-bearing balance cap is not a protection limit."]},{"id":"SRC-REVOLUT-AU-TERMS","title":"Revolut Australia Personal Terms","publisher":"Revolut","url":"https://www.revolut.com/en-AU/legal/terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The current agreement is with Revolut Payments Australia Pty Ltd, which holds AFSL 517589.","The account holds electronic money protected by a bank guarantee from an unnamed Australian ADI, with GLAS holding the benefit on trust for account holders.","Revolut's APRA application for an ADI licence is pending; notification terms for a possible future bank product are not currently effective."]},{"id":"SRC-REVOLUT-AU-STANDARD-FEES","title":"Revolut Australia Standard personal fees","publisher":"Revolut","url":"https://www.revolut.com/en-AU/legal/standard-fees/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule lists AUD transfers to Australian bank accounts without a Revolut fee for the Standard plan.","Exchange pricing changes after fair-use limits and outside market hours; crypto, metals, cards and third-party charges remain separate.","The transaction preview and current plan terms must be checked before use."]},{"id":"SRC-WISE-AU-REGULATION","title":"How Wise is regulated in Australia","publisher":"Wise","url":"https://wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region","type":"official_regulatory_disclosure","authority":3,"observedAt":"2026-07-12","notes":["Wise identifies Wise Australia Pty Ltd as ASIC-regulated under AFSL 513764 and APRA-authorised as a limited ADI for purchased payment facilities.","Wise Australia is also an AUSTRAC reporting entity; Wise Australia Investments Pty Ltd is a separate AFSL entity for investment products.","The limited PPF authorisation and a separate investment affiliate must not be rewritten as an unrestricted bank-deposit product."]},{"id":"SRC-WISE-AU-AVAILABILITY","title":"Wise Australia feature availability","publisher":"Wise","url":"https://wise.com/au/availability","type":"official_availability","authority":4,"observedAt":"2026-07-12","notes":["Wise lists personal and business transfers, currency holding, receiving details, card access and a separate Interest feature for eligible Australian customers.","Availability counts and global coverage claims do not establish every currency, route, payment method or customer as eligible.","Interest is an investment option with capital at risk and growth not guaranteed."]},{"id":"SRC-WISE-AU-PRICING","title":"Wise Australia pricing","publisher":"Wise","url":"https://wise.com/au/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule lists free registration and holding, transfer and conversion fees from 0.63 percent, and an AUD 10 card issuance charge when observed.","Fees vary by currency, amount, funding method, route and product and are shown before confirmation.","Wise Interest charges separate investment fees and carries capital risk."]},{"id":"SRC-WISE-AU-ACCOUNT","title":"What is a Wise Account?","publisher":"Wise","url":"https://wise.com/help/articles/2897226/what-is-a-wise-account","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise describes one multicurrency account with card and receiving-detail features rather than multiple bank accounts.","It says customer money is protected through safeguarding rather than classic bank-account compensation schemes.","Australian AUD receiving details are not described as a bank account and product-specific receiving restrictions apply."]},{"id":"SRC-PAYPAL-AU-AGREEMENT","title":"PayPal Australia User Agreement","publisher":"PayPal","url":"https://www.paypal.com/au/legalhub/paypal/useragreement-full?locale.x=en_AU","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement, last updated 10 June 2026 when observed, is between Australian account holders and PayPal Australia Pty Ltd.","Individuals must be Australian residents aged at least 18; business accounts require an Australian organisation, operation or residence.","Account, transaction, conversion, withdrawal, protection and eligibility terms remain product-specific."]},{"id":"SRC-PAYPAL-AU-PDS","title":"PayPal Australia Combined Financial Services Guide and Product Disclosure Statement","publisher":"PayPal","url":"https://www.paypal.com/au/legalhub/paypal/cfsgpds-full?locale.x=en-AU","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["PayPal states that customer balances are pooled and deposited with a licensed Australian bank.","It explicitly says PayPal's purchased payment facility is exempt from the Australian Financial Claims Scheme.","The pooled-bank arrangement must not be converted into a direct deposit or FCS claim for the PayPal balance."]},{"id":"SRC-PAYPAL-AU-FEES","title":"PayPal Australia merchant fees","publisher":"PayPal","url":"https://www.paypal.com/au/business/paypal-business-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule last updated 9 February 2026 lists a standard 2.90 percent plus fixed fee for domestic commercial receipts and an additional percentage for international commercial transactions.","Currency conversion, card processing, QR, dispute, payout and other product fees use separate rows and eligibility conditions.","The current disclosure and transaction context must be checked before publishing or relying on a fee."]},{"id":"SRC-AIRWALLEX-AU-BUSINESS","title":"Airwallex Australia Business Account","publisher":"Airwallex","url":"https://www.airwallex.com/en-au/business-account","type":"official_product","authority":5,"observedAt":"2026-07-13","notes":["Airwallex describes a business-only platform for eligible Australian organisations with multicurrency collection, transfer, card, payment and accounting features.","Onboarding, entity type, ABN, currencies, destinations and individual features remain subject to verification and product conditions.","The business-account label does not make Airwallex a bank or make Yield a deposit."]},{"id":"SRC-AIRWALLEX-AU-PRICING","title":"Airwallex Australia plans and pricing","publisher":"Airwallex","url":"https://www.airwallex.com/en-au/pricing","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The Explore plan was listed at AUD 29 per month or AUD 0 when the cited deposit-flow or wallet-balance condition is met; Grow was AUD 99 per month when observed.","FX, transfers, payment acceptance, spend users and other transaction or product charges remain separate.","Yield return figures are investment snapshots net of cited fees, carry capital risk and are not bank-deposit rates."]},{"id":"SRC-AIRWALLEX-AU-PROTECTION","title":"How Airwallex protects Australian wallet balances","publisher":"Airwallex","url":"https://help.airwallex.com/hc/en-gb/articles/6087666926607-How-we-protect-the-funds-shown-in-your-wallet-balance-AU","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-13","notes":["Airwallex SVF Pty Ltd arranges bank guarantees from unnamed APRA-regulated banks over wallet balances.","GLAS is the independent trustee holding the benefit of the guarantees for customers and may receive claims if Airwallex cannot repay due to insolvency.","The bank-guarantee structure is not presented as a direct customer bank deposit or a blanket Financial Claims Scheme claim."]},{"id":"SRC-COINBASE-AU-AGREEMENT","title":"Coinbase Australia User Agreement","publisher":"Coinbase","url":"https://www.coinbase.com/legal/user_agreement/australia","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement, last updated 15 June 2026 when observed, is with Coinbase Australia Pty Ltd.","Coinbase Australia holds AFSL 569752 and AUSTRAC virtual-asset and remittance registrations.","The agreement explicitly states that digital assets and fiat are not protected under the Australian Financial Claims Scheme."]},{"id":"SRC-COINBASE-AU-PAYMENT-METHODS","title":"Coinbase payment methods for Australian customers","publisher":"Coinbase","url":"https://help.coinbase.com/en-au/coinbase/getting-started/add-a-payment-method/add-and-verify-pm-apac","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The Australian table lists debit-card purchases and PayID or BSB bank-account deposits and withdrawals with different capabilities.","The first PayID or BSB deposit may take longer because of bank security measures, and ownership-name matching applies.","The generic method table does not guarantee acceptance, timing, limits, fees, asset availability or a named bank route."]},{"id":"SRC-COINBASE-AU-FEES","title":"Coinbase Australia pricing and fee disclosures","publisher":"Coinbase","url":"https://help.coinbase.com/en-au/coinbase/trading-and-funding/pricing-and-fees/fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Coinbase calculates trading fees from payment method, order size, market conditions, jurisdiction and asset and displays them in the preview.","Simple trades can include a spread, while Advanced order-book trading has a separate fee model; network and staking charges are distinct.","No single percentage is published as a universal Australian trading cost."]},{"id":"SRC-BAFIN-DEPOSIT-PROTECTION","title":"Deposit protection glossary","publisher":"Federal Financial Supervisory Authority","url":"https://kontenvergleich.bafin.de/en/glossary/deposit-protection","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["BaFin states that statutory deposit guarantee generally protects eligible deposits up to EUR 100,000 per customer per institution.","Coverage follows the exact institution and eligible depositor or product and is separate from voluntary protection arrangements.","A market-level limit does not prove that a wallet, safeguarded balance, investment or crypto asset is an eligible deposit."]},{"id":"SRC-EDB-DEPOSIT-PROTECTION","title":"Statutory deposit protection for private banks","publisher":"Entschadigungseinrichtung deutscher Banken","url":"https://edb-banken.de/","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["EdB describes statutory protection of eligible deposits up to EUR 100,000 per customer per member bank.","Temporary higher-balance rules and depositor exclusions have separate statutory conditions and are not presented as a universal limit here.","Membership and aggregation must be checked against the exact bank entity rather than an app or brand name."]},{"id":"SRC-EPC-SEPA-CREDIT-TRANSFER","title":"SEPA Credit Transfer scheme","publisher":"European Payments Council","url":"https://www.europeanpaymentscouncil.eu/what-we-do/sepa-credit-transfer","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["The EPC describes the SEPA Credit Transfer scheme for euro credit transfers across participating countries and institutions.","The scheme and the Instant Payments Regulation provide market infrastructure and obligations, not proof of every provider feature or route.","Product support, direction, cut-offs, screening, limits, fees and execution still require provider-level evidence."]},{"id":"SRC-EPC-SEPA-INSTANT","title":"SEPA Instant Credit Transfer rulebook","publisher":"European Payments Council","url":"https://www.europeanpaymentscouncil.eu/what-we-do/epc-payment-schemes/sepa-instant-credit-transfer/sepa-instant-credit-transfer-rulebook","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["The current SCT Inst scheme is designed for euro funds to become available within seconds and on a 24/7 basis under its rulebook.","Scheme membership and regulatory reach do not guarantee that every account, direction, amount or customer uses instant execution.","Fraud controls, sanctions screening, outages, limits and provider terms can affect a specific payment."]},{"id":"SRC-N26-DE-BANKING","title":"N26 banking features and German licence disclosure","publisher":"N26","url":"https://n26.com/en-de/banking-features","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["N26 identifies N26 Bank SE as a fully licensed German bank supervised by BaFin.","The page describes a Standard account without an account-management fee plus card, payment, savings and app functions with product conditions.","Feature marketing does not establish universal eligibility, permanent pricing or protection for separate investments."]},{"id":"SRC-N26-DE-PLANS","title":"N26 personal plans in Germany","publisher":"N26","url":"https://n26.com/en-de/plans/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists Standard as free, Smart at EUR 4.90 per month, Go at EUR 9.90 per month and Metal at EUR 16.90 per month.","Card, withdrawal, savings, insurance, investment and promotional conditions differ by plan and can change.","Applicants must meet residence, age, identity and compatible-device requirements stated by N26."]},{"id":"SRC-N26-DE-DEPOSIT-PROTECTION","title":"How N26 protects eligible deposits","publisher":"N26","url":"https://support.n26.com/de-de/sicherheit/einlagensicherung/wie-schutzt-n26-mein-geld","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["N26 states that N26 Bank SE is a member of the Entschadigungseinrichtung deutscher Banken.","Eligible deposits are protected up to EUR 100,000 per depositor under the statutory German scheme, subject to scheme rules.","All eligible deposits held at N26 Bank SE aggregate for the limit; investment products are not converted into deposits."]},{"id":"SRC-DNB-DGS","title":"Dutch Deposit Guarantee","publisher":"De Nederlandsche Bank","url":"https://www.dnb.nl/en/reliable-financial-sector/dutch-deposit-guarantee/","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["DNB states that the Dutch Deposit Guarantee automatically protects eligible money in bank accounts up to EUR 100,000 per person per bank.","Coverage follows the legal bank and aggregate eligible accounts, while exclusions and temporary high balances have separate conditions.","Investments and crypto assets are not deposits protected by the Dutch scheme."]},{"id":"SRC-DNB-BUNQ-DGS-REGISTER","title":"Dutch Deposit Guarantee register query for bunq","publisher":"De Nederlandsche Bank","url":"https://www.dnb.nl/en/public-register/dutch-deposit-guarantee-scheme-register/?Name=bunq","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["DNB's scheme register provides the authoritative bank and trade-name lookup for Dutch Deposit Guarantee participation.","The bunq query must be read with the account terms because brand variants do not create separate EUR 100,000 limits.","German availability does not move a bunq deposit into the German EdB scheme."]},{"id":"SRC-BUNQ-DE-PERSONAL-TERMS","title":"bunq personal account terms for Germany","publisher":"bunq","url":"https://www.bunq.com/de-de/documents/personal-account-terms-conditions","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["bunq's German-market terms identify bunq B.V. and apply Dutch Deposit Guarantee treatment to eligible verified accounts, subject to exclusions.","The EUR 100,000 limit aggregates eligible deposits across bunq, bunq B.V. and bunq.com rather than treating names as separate banks.","Account, identity, payment, savings, joint-account and product conditions remain governed by the current terms."]},{"id":"SRC-BUNQ-DE-PLANS","title":"bunq personal plans in Germany","publisher":"bunq","url":"https://www.bunq.com/de-de/personal-account/banking-plans","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed comparison lists bunq Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 per month.","Cards, account counts, currency exchange, withdrawals, business plans and other functions use plan-specific allowances and fees.","A free trial or promotional feature is not treated as permanent availability or pricing."]},{"id":"SRC-REVOLUT-DE-TERMS","title":"Revolut Germany personal terms","publisher":"Revolut","url":"https://www.revolut.com/en-DE/legal/terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["German residents with an applicable DE IBAN contract through Revolut Bank UAB's German branch; other customers can remain directly with Revolut Bank UAB pending migration.","Revolut Bank UAB is licensed in Lithuania and the German branch has separate local supervision within the cross-border framework.","Account scope, migration, payment, card and separate group products must be checked against the terms applying to the individual customer."]},{"id":"SRC-REVOLUT-DE-DEPOSIT-INSURANCE","title":"Revolut Germany deposit insurance information","publisher":"Revolut","url":"https://www.revolut.com/en-DE/legal/deposit-insurance-information/","type":"official_protection_guidance","authority":2,"observedAt":"2026-07-12","notes":["Eligible deposits held with Revolut Bank UAB are insured by Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.","All eligible deposits at Revolut Bank UAB aggregate for the limit, including accounts serviced through a branch.","Electronic money, investments and other excluded products are not converted into insured deposits by this disclosure."]},{"id":"SRC-REVOLUT-DE-PLANS","title":"Revolut personal plans in Germany","publisher":"Revolut","url":"https://www.revolut.com/de-DE/our-pricing-plans/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed comparison lists Standard as free, Plus at EUR 2.99, Premium at EUR 8.99, Metal at EUR 15.99 and Ultra at EUR 65 per month as an introductory offer.","Plan benefits, exchange allowances, cards, withdrawals, insurance, investments and promotions have separate terms and can change.","The current in-app transaction preview and fee schedule control a specific transaction."]},{"id":"SRC-WISE-EU-REGULATION","title":"How Wise is regulated in Europe","publisher":"Wise","url":"https://wise.com/help/articles/2932693/how-is-wise-regulated-in-each-country-and-region","type":"official_regulatory_disclosure","authority":3,"observedAt":"2026-07-12","notes":["Wise identifies Wise Europe SA as an authorised payment institution supervised by the National Bank of Belgium for EEA services.","A payment-institution authorisation is not a German bank licence and ordinary balances are not described as deposits.","Exact services, customer type, route and separate investment entities remain market and product specific."]},{"id":"SRC-WISE-EU-SAFEGUARDING","title":"How Wise Europe safeguards customer funds","publisher":"Wise","url":"https://wise.com/help/articles/50VrYRVwHcsYeKzvWbjf3n/how-our-eu-entity-wise-europe-sa-safeguards-customer-funds","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Wise Europe says it safeguards customer funds separately from operating money using cash at named commercial banks and low-risk liquid assets.","Wise explicitly says it is not a bank; safeguarding is not labelled German EdB or Belgian deposit insurance.","Interest and Stocks are separate investment products with capital risk and must not inherit the ordinary-balance safeguarding description."]},{"id":"SRC-WISE-DE-PRICING","title":"Wise personal pricing for Germany","publisher":"Wise","url":"https://wise.com/de/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists free personal registration and holding, while transfer and conversion pricing starts from 0.47 percent and varies by currency and route.","Same-currency card spending from an available balance is listed as free; withdrawals and receiving methods have thresholds and separate charges.","Investment features carry separate annual fees and capital risk, and all prices can change."]},{"id":"SRC-PAYPAL-DE-AGREEMENT","title":"PayPal user agreement for Germany","publisher":"PayPal","url":"https://www.paypal.com/de/legalhub/paypal/useragreement-full?locale.x=eng_DE","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement updated 22 January 2026 identifies PayPal (Europe) S.a r.l. et Cie, S.C.A. as the provider for German accounts.","PayPal is a Luxembourg credit institution, but the agreement defines account money as electronic money rather than a deposit or investment.","It explicitly says Luxembourg or equivalent EEA deposit-guarantee and investor-compensation schemes do not protect the PayPal balance."]},{"id":"SRC-COINBASE-DE-AGREEMENT","title":"Coinbase EEA user agreement for German customers","publisher":"Coinbase","url":"https://www.coinbase.com/de/legal/eea/user_agreement_irlux","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["From 23 October 2025 the cited agreement contracts German customers with Coinbase Luxembourg S.A. for crypto-asset services and Coinbase Ireland Limited for e-money services.","Coinbase Luxembourg lists CSSF MiCA authorisation N00000004 and a separate e-money-token authorisation; Coinbase Ireland is regulated by the Central Bank of Ireland.","Crypto assets, e-money, trading, custody and transfer services retain separate legal and protection treatment."]},{"id":"SRC-COINBASE-DE-MICA","title":"Coinbase MiCA authorisation and German service migration","publisher":"Coinbase","url":"https://help.coinbase.com/de/coinbase/other-topics/other/mica-cblu","type":"official_regulatory_disclosure","authority":3,"observedAt":"2026-07-12","notes":["Coinbase says its Luxembourg entity received CSSF MiCA authorisation for EEA crypto-asset services and Germany migrated on 23 October 2025.","The disclosure keeps crypto services at Coinbase Luxembourg separate from cited e-money services at Coinbase Ireland.","MiCA authorisation is not deposit insurance, and asset availability and execution venues remain conditional."]},{"id":"SRC-COINBASE-DE-FEES","title":"Coinbase Advanced trading fee guidance for Germany","publisher":"Coinbase","url":"https://help.coinbase.com/de/coinbase/trading-and-funding/advanced-trade/advanced-trade-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Coinbase states that Advanced maker and taker fees depend on order type and the customer's current rolling trading-volume tier.","The fee tier is recalculated and the current authenticated fee page and order preview must be checked before trading.","Simple trading, spreads, network charges, staking and other services use separate fee treatment."]},{"id":"SRC-FGDR-DEPOSIT-PROTECTION","title":"French deposit protection information","publisher":"Fonds de Garantie des Depots et de Resolution","url":"https://www.garantiedesdepots.fr/sites/default/files/2026-01/06-FGDR-Plaquette_Explicative-2025_FR_WEB.pdf","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["FGDR explains the general EUR 100,000 maximum for eligible deposits per depositor per credit institution.","Accounts and commercial names at the same institution aggregate, while temporary high balances and exclusions use separate conditions.","The limit does not by itself apply to payment accounts, safeguarded funds, electronic money, investments or crypto assets."]},{"id":"SRC-BDF-SEPA-INSTANT","title":"SEPA instant transfer","publisher":"Banque de France","url":"https://www.banque-france.fr/en/node/278057","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["Banque de France describes SEPA Instant as making funds available in under ten seconds on a 24/7 basis.","Institutions can apply customer-specific maximums and security controls, and the payer must have sufficient funds.","Market infrastructure does not establish every provider, product, direction, limit, fee or successful payment."]},{"id":"SRC-BDF-PAYMENT-SYSTEMS","title":"Operation and oversight of French payment systems","publisher":"Banque de France","url":"https://www.banque-france.fr/fr/stabilite-financiere/mandat-stabilite-financiere/surveiller-infrastructures-systemes-paiement/fonctionnement-systemes-paiement","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["Banque de France identifies CORE(FR) for domestic and SEPA instruments and SEPA(EU) for instant transfers in the French infrastructure.","System oversight establishes market rails rather than a universal provider feature claim.","Participation, product support, screening, limits, cut-offs and fees remain provider and transaction specific."]},{"id":"SRC-BOURSOBANK-FR-ACCOUNT","title":"BoursoBank current account and card comparison","publisher":"BoursoBank","url":"https://www.boursobank.com/banque/compte-bancaire","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["BoursoBank lists a French current account, cards, classic and instant transfers, savings, investments and credit with product-specific conditions.","Welcome is listed without an income condition, Ultim physical-card pricing depends on monthly use, and Metal has a separate monthly price.","Opening, cards, overdraft, promotions, products and limits remain subject to eligibility and acceptance."]},{"id":"SRC-BOURSOBANK-FR-PROTECTION","title":"How BoursoBank deposits are protected","publisher":"BoursoBank","url":"https://www.boursobank.com/aide-en-ligne/mon-espace-client/conditions-generales-et-tarifaires/question/comment-sont-garantis-mes-depots-chez-boursobank-84538244","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["BoursoBank states that FGDR deposit protection covers eligible account and savings deposits up to EUR 100,000 per depositor per institution.","Securities protection is a separate mechanism and limit and is not merged into the deposit claim.","Eligibility and aggregation follow the legal institution and exact product."]},{"id":"SRC-BOURSOBANK-FR-PRICING","title":"BoursoBank 2026 fee schedule","publisher":"BoursoBank","url":"https://www.boursobank.com/content/brochure_tarifaire/boursorama_bt.pdf","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The official brochure states that the observed fees replace prior conditions from 15 April 2026.","Account, card, transfer, cash, investment, credit and service fees use separate rows and conditions.","The current product page and brochure must be checked together because cards, waivers and promotions can change."]},{"id":"SRC-NICKEL-FR-LEGAL","title":"Nickel legal notice","publisher":"Nickel","url":"https://nickel.eu/fr/mentions-legales","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Nickel identifies Financiere des Paiements Electroniques as the provider and Nickel as its trade name.","FPE is an ACPR-authorised payment institution under registration 16598 R, not a credit institution or bank.","The legal classification remains separate from BNP Paribas group ownership or the safeguarding bank."]},{"id":"SRC-NICKEL-FR-TERMS","title":"Nickel personal general and fee terms","publisher":"Nickel","url":"https://nickel.eu/sites/default/files/General-Terms-and-Conditions_FR_fr.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The current terms define Nickel as a payment account without an authorised overdraft.","Funding, cash, cheque, transfer, card, limits, suspension and eligibility conditions remain operation specific.","A French IBAN and card do not reclassify the payment institution as a bank."]},{"id":"SRC-NICKEL-FR-PROTECTION","title":"How Nickel customer funds are protected","publisher":"Nickel","url":"https://support.nickel.eu/fr/comment-mon-argent-est-il-protege-sur-mon-compte-nickel-en-cas-de-faillite","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Nickel says customer funds are held separately from its own funds in a segregated account at BNP Paribas.","Its disclosure distinguishes recovery on Nickel failure from the cited deposit-scheme treatment if the safeguarding bank fails.","The arrangement is not presented as each customer holding a direct ordinary BNP Paribas deposit account."]},{"id":"SRC-NICKEL-FR-PRICING","title":"Nickel account and card pricing","publisher":"Nickel","url":"https://nickel.eu/fr/offre","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Nickel Classic is listed with a EUR 25 annual account contribution and a card included.","Cash deposits, withdrawals, foreign payments and My Nickel, Chrome and Metal options have separate charges.","Pricing, allowances, eligibility and point-of-sale availability can change."]},{"id":"SRC-N26-FR-PLANS","title":"N26 personal plans in France","publisher":"N26","url":"https://n26.com/fr-fr/tarifs/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists Standard as free, Smart at EUR 4.90, Go at EUR 9.90 and Metal at EUR 16.90 per month.","Cards, withdrawals, savings, PEA, investments, crypto, insurance and promotions have separate plan conditions.","Investment and crypto products do not inherit deposit protection from the N26 bank account."]},{"id":"SRC-BUNQ-FR-PLANS","title":"bunq personal plans in France","publisher":"bunq","url":"https://www.bunq.com/fr-fr/personal-account/banking-plans","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed comparison lists Free at EUR 0, Core at EUR 3.99, Pro at EUR 9.99 and Elite at EUR 18.99 per month.","French IBAN availability, cards, account counts, withdrawals, exchange and business features vary by plan.","French IBAN availability does not move eligible deposits out of the Dutch Deposit Guarantee."]},{"id":"SRC-BUNQ-FR-PERSONAL-TERMS","title":"bunq personal account terms for France","publisher":"bunq","url":"https://www.bunq.com/fr-fr/documents/personal-account-terms-conditions","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["bunq's French-market terms identify bunq B.V. and retain Dutch Deposit Guarantee treatment for eligible verified accounts.","Eligible deposits aggregate across bunq names at the same legal bank.","Identity, account, savings, payment and product exclusions remain governed by current terms."]},{"id":"SRC-REVOLUT-FR-TERMS","title":"Revolut France personal terms","publisher":"Revolut","url":"https://www.revolut.com/fr-FR/legal/terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The terms distinguish direct Revolut Bank UAB customers from customers of Revolut France, its French branch.","The applicable entity and account conditions depend on the customer's contract and account details.","French branch service does not by itself establish FGDR coverage or protection for separate products."]},{"id":"SRC-REVOLUT-FR-DEPOSIT-INSURANCE","title":"Revolut France deposit insurance information","publisher":"Revolut","url":"https://www.revolut.com/fr-FR/legal/deposit-insurance-information/","type":"official_protection_guidance","authority":2,"observedAt":"2026-07-12","notes":["Eligible deposits held with Revolut Bank UAB are insured by Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.","All eligible deposits at Revolut Bank UAB aggregate for the limit, including branch-serviced accounts.","Electronic money, investments and excluded entities or products do not inherit this deposit coverage."]},{"id":"SRC-REVOLUT-FR-PLANS","title":"Revolut personal plans in France","publisher":"Revolut","url":"https://www.revolut.com/fr-FR/our-pricing-plans/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed comparison lists Standard as free, Plus at EUR 3.99, Premium at EUR 10.99, Metal at EUR 18.99 and Ultra at EUR 60 per month as an introductory offer.","Plan benefits, exchanges, cards, withdrawals, insurance, investments, crypto and promotions use separate conditions.","The transaction preview and current fee terms control a specific operation."]},{"id":"SRC-WISE-FR-ACCOUNT","title":"Wise euro account alternative in France","publisher":"Wise","url":"https://wise.com/fr/account/eur-account","type":"official_availability","authority":4,"observedAt":"2026-07-12","notes":["Wise lists its multicurrency account, EUR details, card and transfer features as available to eligible customers in France.","Wise explicitly describes the account as not a bank account and points to safeguarding rather than bank-deposit protection.","Currencies, receiving details, verification, routes and products remain conditional."]},{"id":"SRC-WISE-FR-PRICING","title":"Wise personal pricing for France","publisher":"Wise","url":"https://wise.com/fr/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists free registration and holding, transfers and conversion from 0.47 percent, and a EUR 7 debit-card order charge.","Withdrawals, SWIFT receipts, funding, currencies and routes use thresholds and separate fees.","Interest and Stocks have separate annual fees and explicit capital risk."]},{"id":"SRC-PAYPAL-FR-AGREEMENT","title":"PayPal user agreement for France","publisher":"PayPal","url":"https://www.paypal.com/fr/legalhub/paypal/useragreement-full?country.x=fr&locale.x=fr_FR","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement updated 22 January 2026 identifies PayPal Europe as the provider for French personal and business accounts.","It defines the PayPal balance as electronic money rather than a deposit or investment.","It explicitly excludes Luxembourg or equivalent EEA deposit-guarantee and investor-compensation protection."]},{"id":"SRC-COINBASE-FR-AGREEMENT","title":"Coinbase EEA user agreement for French customers","publisher":"Coinbase","url":"https://www.coinbase.com/fr/legal/eea/user_agreement_irlux","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["From 6 October 2025 the agreement contracts French customers with Coinbase Luxembourg for crypto services and Coinbase Ireland for cited e-money services.","Coinbase Luxembourg lists CSSF MiCA and e-money-token authorisations, while Coinbase Ireland is regulated by the Central Bank of Ireland.","Crypto assets, e-money, trading, custody and transfers retain separate legal and protection treatment."]},{"id":"SRC-COINBASE-FR-MICA","title":"Coinbase MiCA authorisation and French service migration","publisher":"Coinbase","url":"https://help.coinbase.com/fr/coinbase/other-topics/other/mica-cblu","type":"official_regulatory_disclosure","authority":3,"observedAt":"2026-07-12","notes":["Coinbase says its Luxembourg entity received CSSF MiCA authorisation and France migrated on 6 October 2025.","The disclosure separates crypto-asset services from cited e-money services.","MiCA authorisation does not create bank status, FGDR coverage or universal asset availability."]},{"id":"SRC-COINBASE-FR-FEES","title":"Coinbase Advanced trading fee guidance for France","publisher":"Coinbase","url":"https://help.coinbase.com/fr/coinbase/trading-and-funding/advanced-trade/advanced-trade-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Advanced maker and taker fees depend on order type and the customer's current rolling trading-volume tier.","The tier and preview must be checked before trading because pricing changes.","Simple trades, spreads, network charges, staking and other services use separate fee treatment."]},{"id":"SRC-SDIC-DEPOSIT-INSURANCE","title":"Singapore Deposit Insurance consumer guide","publisher":"Singapore Deposit Insurance Corporation","url":"https://sdic.org.sg/api/238/20240801%20SDIC%20consumer%20guide%20English.pdf","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["Eligible Singapore-dollar deposits are insured up to SGD 100,000 in aggregate per depositor per DI Scheme member.","All eligible accounts at the same member aggregate; CPFIS and CPFRS treatment is separately described.","Foreign-currency deposits, investments, payment-account balances and crypto do not inherit the general insured-deposit statement."]},{"id":"SRC-ABS-PAYNOW-FAST","title":"PayNow and FAST fact sheet","publisher":"Association of Banks in Singapore","url":"https://www.abs.org.sg/docs/library/paynow_factsheet.pdf","type":"official_payment_rail","authority":2,"observedAt":"2026-07-12","notes":["The fact sheet describes FAST and PayNow as near-immediate 24/7 transfer services for participating institutions.","Identifiers, account details, corporate registration and limits depend on the service and participating institution.","Market infrastructure does not prove universal provider support, completion, timing, fees or customer eligibility."]},{"id":"SRC-MAS-TRUST-BANK","title":"MAS directory entry for Trust Bank Singapore Limited","publisher":"Monetary Authority of Singapore","url":"https://eservices.mas.gov.sg/fid/institution?term=TRUST%20BANK%20SINGAPORE%20LIMITED","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["MAS lists Trust Bank Singapore Limited as a Full Bank.","The register establishes licence status, not individual product eligibility, fees, rates or application approval.","Deposit insurance still requires an eligible Singapore-dollar deposit and SDIC scheme conditions."]},{"id":"SRC-MAS-GXS-BANK","title":"MAS directory entry for GXS Bank","publisher":"Monetary Authority of Singapore","url":"https://eservices.mas.gov.sg/fid/institution/detail/247573-GXS-BANK-PTE-LTD","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["MAS lists GXS Bank Pte. Ltd. as a Local Bank.","Licence status does not establish every savings, card, credit, business or investment-product condition.","SDIC coverage remains deposit, currency, depositor and aggregation specific."]},{"id":"SRC-TRUST-SG-SAVINGS","title":"Trust Bank savings key facts and product terms","publisher":"Trust Bank","url":"https://trustbank.sg/legal/key-facts-sheet-and-product-terms-savings-account/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Trust's current key facts define savings plans, rates from 1 March 2026, fees, card functions and PayNow terms.","It states that eligible Singapore-dollar deposits are insured up to SGD 100,000 in aggregate per depositor per scheme member.","Rates, rewards, eligibility, security and plan conditions can change and must remain beside any snapshot."]},{"id":"SRC-GXS-SG-TERMS","title":"GXS deposit account terms","publisher":"GXS Bank","url":"https://www.gxs.com.sg/deposit-account-terms","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The terms effective 31 March 2026 identify GXS Bank Pte. Ltd. as the bank and preserve application approval discretion.","The personal savings account generally requires age 16 and other current bank requirements.","Cards, pockets, transfers, set-off, foreign exchange and separate products retain specific terms."]},{"id":"SRC-GXS-SG-SAVINGS","title":"GXS Savings Account","publisher":"GXS Bank","url":"https://www.gxs.com.sg/savings-account","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["GXS publishes Main Account, Saving Pocket and Boost Pocket rates with different access, tenure and bonus conditions.","Promotional effective rates combine cashback and interest and are not permanent base rates.","Eligible deposits are labelled SDIC insured up to SGD 100,000, while loan and card products remain separate."]},{"id":"SRC-MAS-REVOLUT-SG","title":"MAS directory entry for Revolut Singapore","publisher":"Monetary Authority of Singapore","url":"https://eservices.mas.gov.sg/fid/institution/detail/218707-REVOLUT-TECHNOLOGIES-SINGAPORE-PTE-LTD","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["MAS lists Revolut Technologies Singapore as a Major Payment Institution for account, transfer, merchant, e-money and digital-payment-token services.","A Major Payment Institution licence is not a bank licence or SDIC membership.","Exact products, limits and safeguarding require the customer terms."]},{"id":"SRC-REVOLUT-SG-TERMS","title":"Revolut Singapore general terms","publisher":"Revolut","url":"https://www.revolut.com/en-SG/legal/terms/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The terms identify Revolut Technologies Singapore and classify balances as electronic money rather than bank deposits.","Client money is safeguarded in commingled trust accounts at DBS, Standard Chartered and ANZ under the cited disclosure.","The terms explicitly exclude the e-money balance from the Singapore Deposit Insurance Scheme and disclose shortfall and bank-insolvency risk."]},{"id":"SRC-REVOLUT-SG-PLANS","title":"Revolut personal plans in Singapore","publisher":"Revolut","url":"https://www.revolut.com/en-SG/our-pricing-plans/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed comparison lists Standard as free, Premium at SGD 10.99 and Metal at SGD 21.99 per month.","Exchange, crypto, stock, commodity and flexible-account pricing has separate limits, fees and capital-risk disclosures.","Investment yields are dated snapshots and are not deposit rates or guarantees."]},{"id":"SRC-MAS-WISE-SG","title":"MAS directory entry for Wise Asia-Pacific","publisher":"Monetary Authority of Singapore","url":"https://eservices.mas.gov.sg/fid/institution/detail/200786-TRANSFERWISE-SINGAPORE-PTE-LTD","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["MAS lists Wise Asia-Pacific as a Major Payment Institution and a Capital Markets Services Licensee.","Payment-account and investment permissions are separate and neither makes Wise a bank.","Product availability, safeguarding and fees require current product evidence."]},{"id":"SRC-WISE-SG-ACCOUNT","title":"Wise account in Singapore","publisher":"Wise","url":"https://wise.com/sg/account/","type":"official_availability","authority":4,"observedAt":"2026-07-12","notes":["Wise lists eligible Singapore personal account, transfer, receiving, card and separate Interest functions.","Wise Asia-Pacific is the Singapore entity; Interest is an investment with capital risk and not guaranteed growth.","Verification, currencies, limits, routes and card access remain conditional."]},{"id":"SRC-WISE-SG-PRICING","title":"Wise personal pricing for Singapore","publisher":"Wise","url":"https://wise.com/sg/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists free registration and holding, transfer and conversion pricing from 0.23 percent, and an SGD 8.50 card order charge.","Wise cards cannot be used for local ATM withdrawals in Singapore under the cited schedule.","Interest and Stocks use separate fees and capital-risk disclosures."]},{"id":"SRC-MAS-AIRWALLEX-SG","title":"MAS directory entry for Airwallex Singapore","publisher":"Monetary Authority of Singapore","url":"https://eservices.mas.gov.sg/fid/institution?term=airwallex","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["MAS lists Airwallex Singapore as a Major Payment Institution.","The separate Airwallex Capital entity and its capital-markets permissions do not reclassify the business wallet.","Licence status does not establish bank or SDIC deposit treatment."]},{"id":"SRC-AIRWALLEX-SG-BUSINESS","title":"Airwallex Singapore Business Account","publisher":"Airwallex","url":"https://www.airwallex.com/en-sg/business-account/","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Airwallex describes an eligible Singapore business-only platform for multicurrency accounts, transfers, cards and payments.","It says customer money is held in segregated client accounts at regulated banks under local safeguarding rules.","Segregation and partner banks do not make the wallet a direct SDIC-insured deposit."]},{"id":"SRC-AIRWALLEX-SG-PRICING","title":"Airwallex Singapore plans and pricing","publisher":"Airwallex","url":"https://www.airwallex.com/en-sg/pricing","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed schedule lists Explore as free, Grow at SGD 79 and Accelerate from SGD 399 per month, excluding GST and transaction charges.","FX, transfer, payment, spend-user and card charges remain separate.","Yield is explicitly an investment, not a savings or deposit product, and carries possible principal loss."]},{"id":"SRC-MAS-PAYPAL-SG","title":"MAS directory entry for PayPal Singapore","publisher":"Monetary Authority of Singapore","url":"https://eservices.mas.gov.sg/fid/institution/print?sector=Payments","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["MAS lists PayPal Pte. Ltd. as a Major Payment Institution for account, transfer, token, e-money, acquisition and related services.","The payment licence does not make PayPal a bank or establish SDIC deposit protection.","Exact account, balance, merchant and transaction conditions remain in the user agreement and fee schedules."]},{"id":"SRC-PAYPAL-SG-AGREEMENT","title":"PayPal user agreement for Singapore","publisher":"PayPal","url":"https://securepayments.paypal.com/an/legalhub/paypal/useragreement-full","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement updated 28 May 2026 identifies PayPal Pte. Ltd. as the provider.","Personal and business account availability, funding, balances, payments, holds, protection and fees retain country and transaction conditions.","No direct SDIC bank-deposit claim is established for the PayPal balance."]},{"id":"SRC-MAS-COINBASE-SG","title":"MAS directory entry for Coinbase Singapore","publisher":"Monetary Authority of Singapore","url":"https://eservices.mas.gov.sg/fid/institution?term=coinbase","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["MAS lists Coinbase Singapore as a Major Payment Institution for cross-border transfer and digital-payment-token services.","The licence is not a bank licence and does not create SDIC coverage.","Crypto, fiat wallet, payment methods and retail restrictions remain product specific."]},{"id":"SRC-COINBASE-SG-AGREEMENT","title":"Coinbase Singapore user agreement","publisher":"Coinbase","url":"https://www.coinbase.com/en-gb/legal/user_agreement/singapore","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies Coinbase Singapore Pte. Ltd. and its MAS Major Payment Institution permissions.","It explicitly states that the fiat wallet is not a deposit or investment account and is outside SDIC.","Digital assets carry substantial loss, custody and irreversible-transaction risks."]},{"id":"SRC-COINBASE-SG-PAYMENTS","title":"Coinbase payment methods for Singapore","publisher":"Coinbase","url":"https://help.coinbase.com/en/coinbase/getting-started/add-a-payment-method/eligible-payment-methods-apac","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The Singapore table lists conditional debit-card, SGD FAST and USD SWIFT functions with different capabilities and times.","Singapore-issued credit or charge cards are restricted for retail customers who are not accredited investors.","Bank acceptance, name matching, holds, third-party fees, asset support and timing remain conditional."]},{"id":"SRC-COINBASE-SG-SAFEGUARDING","title":"Coinbase Singapore consumer-protection disclosures","publisher":"Coinbase","url":"https://www.coinbase.com/en-sg/legal/consumer_protection_disclosures/singapore","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Coinbase identifies Coinbase, Inc. as the current digital-asset safeguarding person and describes beneficial ownership treatment.","It discloses foreign-law, insolvency, delay and recovery risks associated with a safeguarding person outside Singapore.","Safeguarding does not guarantee asset value, support entitlements or create deposit insurance."]},{"id":"SRC-FINMA-CH-BANK-LIST","title":"FINMA list of authorised banks and securities firms","publisher":"Swiss Financial Market Supervisory Authority","url":"https://www.finma.ch/en/~/media/finma/dokumente/bewilligungstraeger/pdf/beh.pdf?sc_lang=en","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["The current list identifies Alpian SA, Hypothekarbank Lenzburg AG and Swissquote Bank SA as authorised Swiss banks.","The list classifies legal institutions, not consumer app brands or individual products.","A bank listing does not establish product eligibility, fees, payment-rail support or coverage for non-deposit assets."]},{"id":"SRC-ESISUISSE-DEPOSIT-PROTECTION","title":"Swiss deposit insurance facts and figures","publisher":"esisuisse","url":"https://www.esisuisse.ch/en/deposit-insurance/facts-and-figures","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["esisuisse states that protected deposits are covered up to CHF 100,000 per customer and per bank.","Multiple accounts at the same legal bank aggregate under that limit.","Investments, e-money, digital assets and balances held under another legal institution require separate treatment."]},{"id":"SRC-ESISUISSE-CH-VIRTUAL-IBAN","title":"esisuisse FAQ on virtual IBAN and correspondent-account balances","publisher":"esisuisse","url":"https://www.esisuisse.ch/en/deposit-insurance/questions-and-answers-faq","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["esisuisse explains that a virtual Swiss IBAN or correspondent account does not make the end customer the Swiss bank's contractual customer.","It lists Revolut as a known example and says Swiss deposit insurance does not apply on that basis.","Any foreign deposit insurance must be established from the exact foreign account entity and product terms."]},{"id":"SRC-SIX-CH-SIC","title":"SIC system for Swiss-franc payments","publisher":"SIX Interbank Clearing Ltd","url":"https://www.six-group.com/en/products-services/banking-services/interbank-clearing/sic.html","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["SIX operates SIC under the steering and monitoring of the Swiss National Bank for Swiss-franc interbank settlement.","SIC instant payments can complete between participating customer accounts within ten seconds, 24 hours a day.","Market infrastructure does not prove that every provider or product can send or receive every payment type."]},{"id":"SRC-TWINT-CH-NETWORK","title":"TWINT company and payment-network overview","publisher":"TWINT Ltd.","url":"https://www.twint.ch/en/company/about-us/","type":"official_payment_rail","authority":4,"observedAt":"2026-07-12","notes":["TWINT describes its Swiss mobile-payment network and reports broad consumer and merchant use.","Bank-linked TWINT apps and the prepaid app use different account, issuer, eligibility and limit models.","TWINT acceptance does not establish a bank licence, deposit protection or support by every compared provider."]},{"id":"SRC-ALPIAN-CH-TERMS","title":"Alpian contractual terms and esisuisse factsheet","publisher":"Alpian SA","url":"https://www.alpian.com/static/9abd29ca74c99b8ee09a589e77d93ab5/Contractual_terms_EN.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The January 2026 documents identify Alpian SA as a Swiss bank and include its esisuisse information sheet.","The sheet states that eligible deposits are protected up to CHF 100,000 per client.","Bank deposits, securities, investment mandates, pension products and card services retain distinct contractual treatment."]},{"id":"SRC-ALPIAN-CH-PRICING","title":"Alpian pricing and conditions","publisher":"Alpian","url":"https://www.alpian.com/pricing","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule effective 15 February 2026 lists the multicurrency bank account and virtual cards as free.","Physical cards, withdrawals, transfers, investment mandates and pension products have separate charges and thresholds.","Promotions and rates are changeable and are not used as a universal provider ranking."]},{"id":"SRC-ALPIAN-CH-STANDARD","title":"Alpian Standard plan","publisher":"Alpian","url":"https://www.alpian.com/bank/standard","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Alpian describes a no-monthly-fee Standard account with multicurrency banking, saving and virtual-card functionality.","Investment access and a metal debit card have separate starting amounts or fees.","Account acceptance, identity checks and product eligibility remain conditional."]},{"id":"SRC-NEON-CH-BANK-LICENCE","title":"Does neon have a banking licence?","publisher":"neon Switzerland AG","url":"https://www.neon-free.ch/en/faq/does-neon-have-a-banking-licence","type":"official_regulatory_disclosure","authority":2,"observedAt":"2026-07-12","notes":["neon explicitly says it is not a bank and that the account is managed by licensed Hypothekarbank Lenzburg.","The cited personal account and Spaces receive bank-deposit treatment at the partner bank.","neon does not inherit a bank licence as a company or for unrelated products."]},{"id":"SRC-NEON-CH-PROTECTION","title":"What if neon goes bankrupt?","publisher":"neon Switzerland AG","url":"https://www.neon-free.ch/en/faq/what-if-neon-goes-bankrupt","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["neon states that the account is managed by Hypothekarbank Lenzburg and cites protection up to CHF 100,000 for its personal accounts including Spaces.","Coverage follows the account-holding bank and aggregates with the customer's other eligible deposits there.","Investments, insurance and card services are not reclassified as deposits."]},{"id":"SRC-NEON-CH-PLANS","title":"neon plans and prices","publisher":"neon Switzerland AG","url":"https://www.neon-free.ch/en/plaene","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed page lists neon free with no base fee and paid plus, global and metal plans with different card, cash and insurance terms.","The first card, ATM use, foreign exchange, investments and optional extensions carry plan-specific charges.","Fees and benefits require launch-time reverification rather than a single best-price claim."]},{"id":"SRC-YUH-CH-FAQ","title":"Yuh account and protection FAQ","publisher":"Yuh","url":"https://www.yuh.com/en/help/faq/","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-13","notes":["Yuh says it is not a bank and that its banking and financial services are provided by FINMA-authorised Swissquote Bank Ltd.","It states that account funds are deposited at Swissquote and that eligible protection up to CHF 100,000 aggregates across Yuh and Swissquote accounts.","Swissquote acquired PostFinance's ownership share in July 2025; PostFinance is a historical founder rather than a current account provider in the observed record.","Adult opening requires an approved residence, non-US-person status, identity documents and a first same-name bank transfer, with neighbouring-country evidence and minimum-deposit conditions."]},{"id":"SRC-YUH-CH-LEGAL","title":"Yuh legal information and account agreements","publisher":"Yuh","url":"https://www.yuh.com/en/legal/","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["Yuh publishes separate agreements for accounts, custody, securities, digital assets, cards, eBill, TWINT and the app.","Those separate documents prevent the bank account's protection model from being copied to investments, crypto or service features.","Exact eligibility and transaction conditions remain agreement-specific."]},{"id":"SRC-YUH-CH-PRICING","title":"Yuh pricing","publisher":"Yuh","url":"https://www.yuh.com/en/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The observed page lists account management, Swiss IBAN, custody and cards as free, one Swiss ATM withdrawal per week as free and later Swiss withdrawals at CHF 1.90.","It lists 0.95% currency exchange, CHF 4 non-EUR European transfers, CHF 4.90 foreign ATM withdrawal, 0.50% securities trading with CHF 1 minimum, 1% crypto trading and 0% savings-project interest.","Third-party bank charges, stamp duties, fund expenses, limits, product exclusions and international-resident opening conditions remain separate and require launch-time reverification."]},{"id":"SRC-REVOLUT-CH-TERMS","title":"Revolut personal terms for Swiss clients","publisher":"Revolut Bank UAB","url":"https://www.revolut.com/en-CH/legal/terms-ch/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The terms effective 31 March 2026 identify Lithuanian Revolut Bank UAB and describe current-account funds as bank deposits.","The bank is represented in Switzerland, while a separate Swiss group entity issues the cited debit cards.","Investments and crypto services use separate group entities and do not inherit the current account's deposit treatment."]},{"id":"SRC-REVOLUT-CH-DEPOSIT-INSURANCE","title":"Revolut deposit insurance information for Switzerland","publisher":"Revolut Bank UAB","url":"https://www.revolut.com/en-CH/legal/deposit-insurance-information/","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Revolut states that eligible deposits at Revolut Bank UAB aggregate under Lithuania's Deposit and Investment Insurance up to EUR 100,000 per depositor.","The scheme is Lithuanian rather than Swiss esisuisse and compensation is stated in euros.","Electronic money, investments, crypto and excluded deposit classes retain separate protection treatment."]},{"id":"SRC-WISE-CH-ACCOUNT","title":"Wise Switzerland account and transfer availability","publisher":"Wise","url":"https://wise.com/ch/","type":"official_availability","authority":5,"observedAt":"2026-07-12","notes":["Wise offers Swiss residents international transfers and access to the Wise account subject to feature and route conditions.","The page separates ordinary account services from the capital-at-risk Interest investment feature.","Availability does not establish Swiss bank status, Swiss IBAN ownership or esisuisse protection."]},{"id":"SRC-WISE-CH-PRICING","title":"Wise Switzerland pricing","publisher":"Wise","url":"https://wise.com/ch/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The observed page lists free registration and holding, a CHF 8 card and conversion or transfer fees starting from 0.23% subject to currency and route.","ATM, external-wallet top-up, SWIFT receipt and investment charges retain separate conditions.","Quoted examples are not universal prices and require transaction-time confirmation."]},{"id":"SRC-PAYPAL-CH-AGREEMENT","title":"PayPal user agreement for Switzerland","publisher":"PayPal","url":"https://www.paypal.com/ch/legalhub/paypal/useragreement-full?locale.x=en_GB","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The Switzerland agreement identifies PayPal Pte. Ltd. and applies to Swiss resident personal users and Swiss-registered businesses.","It defines all account money as electronic money and describes conditional wallet, funding, withdrawal and protection-programme functions.","Electronic money is not treated as a Swiss bank deposit or esisuisse-protected balance."]},{"id":"SRC-PAYPAL-CH-FEES","title":"PayPal consumer fees for Switzerland","publisher":"PayPal","url":"https://www.paypal.com/ch/digital-wallet/paypal-consumer-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The live page is scoped to Switzerland but displays a last-updated date of 31 May 2021.","It is therefore insufficient for publishing a complete current fee comparison without transaction-time confirmation or a newer schedule.","Currency conversion, merchant, withdrawal and exceptional fees remain visibly conditional or unavailable in the hub."]},{"id":"SRC-COINBASE-CH-AGREEMENT","title":"Coinbase user agreement for Switzerland","publisher":"Coinbase","url":"https://www.coinbase.com/legal/user_agreement/uk","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement updated 8 June 2026 explicitly covers Switzerland and identifies UK company CB Payments Ltd.","CB Payments provides cited e-money and digital-asset services under UK authorisations, not a Swiss bank licence.","Digital assets, e-money, eligibility, custody, fees and transaction support retain separate conditions and risks."]},{"id":"SRC-COINBASE-CH-CASH-BALANCE","title":"Coinbase cash-balance availability","publisher":"Coinbase","url":"https://help.coinbase.com/en/coinbase/getting-started/add-a-payment-method/cash-balance-overview","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase lists Switzerland among supported European cash-balance markets.","Cash-balance activation still requires identity, residency, account and payment-method eligibility.","A cash balance at CB Payments does not become a Swiss bank deposit or receive esisuisse protection."]},{"id":"SRC-COINBASE-CH-PAYMENT-METHODS","title":"Coinbase EMEA payment methods","publisher":"Coinbase","url":"https://help.coinbase.com/en/coinbase/getting-started/add-a-payment-method/add-and-verify-pm-emea","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase documents EMEA payment methods and warns that bank acceptance, currency support, holds and third-party fees can vary.","The table does not establish that every method is available to every Swiss account or in CHF.","Payment-rail capability never overrides product, asset, identity or transaction restrictions."]},{"id":"SRC-BCB-BR-INSTITUTIONS","title":"Find a regulated or supervised institution","publisher":"Banco Central do Brasil","url":"https://www.bcb.gov.br/estabilidadefinanceira/encontreinstituicao","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["BCB provides the official directory for institutions authorised, regulated or supervised in Brazil and their permitted institution type.","The register is used with exact provider contracts to distinguish banks, payment institutions, finance companies and payment partners.","Authorisation does not establish FGC eligibility, a universal fee, account approval or product availability by itself."]},{"id":"SRC-FGC-BR-GUARANTEE","title":"FGC ordinary guarantee coverage","publisher":"Fundo Garantidor de Créditos","url":"https://fgc.org.br/sobre-garantia-fgc","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["FGC lists eligible demand deposits, savings deposits, CDBs and RDBs among covered products, subject to its rules.","The ordinary limit is R$ 250,000 per CPF or CNPJ and financial institution or conglomerate, with a R$ 1 million overall cap in a four-year period for guarantees paid.","Payment-account electronic money, investment funds, securities and crypto assets do not become covered merely because the same app also offers an eligible deposit product."]},{"id":"SRC-BCB-BR-PIX","title":"Pix participant and system guidance","publisher":"Banco Central do Brasil","url":"https://www.bcb.gov.br/estabilidadefinanceira/participantespix","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["BCB describes Pix as an open instant-payment system for eligible transactional accounts including demand, savings and prepaid payment accounts.","The page distinguishes direct and indirect participation and publishes a participant list dated 1 July 2026.","Market participation does not prove every function, direction, key type, limit, fee or device is available for every customer."]},{"id":"SRC-BCB-BR-OPEN-FINANCE","title":"Institutions participating in Open Finance","publisher":"Banco Central do Brasil","url":"https://www.bcb.gov.br/meubc/faqs/p/os-bancos-e-instituicoes-que-participam-do-open-finance","type":"official_open_finance_guidance","authority":1,"observedAt":"2026-07-12","notes":["BCB states that only authorised institutions such as banks, payment institutions, finance companies and credit cooperatives can participate in Open Finance.","Some institutions are mandatory participants and others may participate voluntarily when regulatory and directory requirements are met.","Open Finance participation does not grant access without customer consent or prove support for every data set, payment journey or provider product."]},{"id":"SRC-NUBANK-BR-ACCOUNT-TERMS","title":"Nubank account agreement","publisher":"Nubank","url":"https://nubank.com.br/contratos/termos-e-condicoes-conta-nubank","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement effective 24 June 2026 identifies Nu Pagamentos S.A. and defines the core account as a prepaid payment account.","It says deposited money may remain in the payment account or be applied in an immediately liquid RDB, depending on the customer's choice and product communication.","The agreement establishes Pix, transfer, debit-card, fee, identity, blocking and acceptance conditions without treating every adjacent product as the same account."]},{"id":"SRC-NUBANK-BR-ACCOUNT","title":"Nubank account and RDB protection disclosure","publisher":"Nubank","url":"https://nubank.com.br/nu/conta","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Nubank distinguishes money held in its payment account from optional RDB deposits issued by Nu Financeira.","It states that eligible Nu Financeira RDBs receive FGC coverage, which remains subject to FGC product and conglomerate limits.","The RDB protection statement cannot be copied to payment-account money, funds, securities, crypto, cards or credit."]},{"id":"SRC-NUBANK-BR-FEES","title":"Nubank contracts and account fees","publisher":"Nubank","url":"https://nubank.com.br/contratos","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Nubank lists R$ 0 for account maintenance, TED, Pix, boleto deposit and debit-card issuance.","It lists R$ 6.50 per debit-card cash withdrawal and separate credit, international and other product charges.","Prices and eligibility are product-specific and require confirmation before the customer completes a transaction."]},{"id":"SRC-INTER-BR-BANKING","title":"Inter digital banking services","publisher":"Banco Inter","url":"https://inter.co/banking/","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Inter describes its digital current account, Pix, card and additional banking products under the Banco Inter service.","The product page is used with the BCB register and FGC guidance to classify the current account rather than every investment, insurance or credit feature.","Account opening, limits, product access and transaction approval remain conditional."]},{"id":"SRC-INTER-BR-FEES","title":"Inter account fees","publisher":"Banco Inter","url":"https://www.inter.co/tarifas/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Inter lists account opening, maintenance, boleto issuance, Inter and other-bank transfers and card annual fee as free for the cited digital account.","It links separate personal and business bank fee tables, so other services cannot be assumed free.","Promotions, card variants, cash, exchange, credit and investment costs remain product-specific."]},{"id":"SRC-MERCADOPAGO-BR-CARD-TERMS","title":"Mercado Pago card agreement","publisher":"Mercado Pago","url":"https://www.mercadopago.com.br/privacidade/documento-legal/contrato-cartao-credito/1.1","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies Mercado Pago Instituição de Pagamento Ltda. and defines its core account as a prepaid payment account.","Debit and credit functions, funding, reserve-backed credit and revolving credit retain separate conditions and counterparties.","A payment-account or card contract is not evidence that the core balance is a bank deposit."]},{"id":"SRC-MERCADOPAGO-BR-PROTECTION","title":"Mercado Pago account and FGC protection distinction","publisher":"Mercado Pago","url":"https://www.mercadopago.com.br/blog/conta-mercado-pago-x-conta-poupanca-qual-rende-mais","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Mercado Pago states that its payment account does not have FGC coverage and describes payment-account resource allocation under BCB rules.","It separately says some partner-bank CDB investments in the app may receive FGC treatment under the exact issuer and applicable limits.","Yield percentages, boosted tiers and tax treatment are conditional and are not used as a permanent ranking."]},{"id":"SRC-PICPAY-BR-TERMS","title":"PicPay general service agreement","publisher":"PicPay","url":"https://picpay.com/app_webviews/terms","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement effective 26 February 2026 identifies PicPay Instituição de Pagamento S.A. and its prepaid payment account.","When the optional yield feature is available, PicPay may direct eligible balance to a separately issued partner CDB disclosed under its own terms.","The agreement says eligible partner CDBs can receive FGC protection up to applicable limits; the wallet, crypto and unrelated products do not inherit that coverage."]},{"id":"SRC-WISE-BR-SAFEGUARDING","title":"How Wise safeguards customer money in Brazil","publisher":"Wise","url":"https://wise.com/pt/help/articles/2949821/como-a-wise-mantem-o-seu-dinheiro-em-seguranca","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Wise identifies Wise Brasil Instituição de Pagamento Ltda. for Brazil and describes safeguarding through separated cash, liquid assets or equivalent guarantees.","Wise explicitly contrasts safeguarding with bank deposit-insurance schemes and does not call the ordinary account a bank deposit.","Rende+ and other invested money use separate product and risk treatment."]},{"id":"SRC-WISE-BR-PRICING","title":"Wise Brazil pricing","publisher":"Wise","url":"https://wise.com/br/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Wise lists free account creation and holding and variable transfer or conversion pricing starting from 0.78% for eligible routes.","The observed schedule lists one free ATM withdrawal per month followed by R$ 20 per withdrawal, plus product-specific card, SWIFT, external-wallet and investment charges.","The transaction preview remains authoritative because currency, amount, route, customer and third-party fees can change the final price."]},{"id":"SRC-WISE-BR-PIX","title":"Using Pix with Wise in Brazil","publisher":"Wise","url":"https://wise.com/pt/help/articles/5ovNPaOp8MGAlYmDcSIfFe/como-usar-o-pix-na-wise","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise offers Pix functions to eligible personal and business customers with a registered Brazilian address.","The guidance allows up to five Pix keys and retains account, identity, availability, limit and security conditions.","Pix access does not make the Wise balance an FGC-insured deposit."]},{"id":"SRC-PAYPAL-BR-AGREEMENT","title":"PayPal Brazil user agreement","publisher":"PayPal","url":"https://www.paypal.com/br/legalhub/paypal/useragreement-full?locale.x=pt_BR","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies PayPal do Brasil Instituição de Pagamento Ltda. as an electronic-money issuer and explicitly states that PayPal is not a bank.","It limits balance eligibility mainly to qualifying commercial accounts and states that customer electronic-money resources are segregated from PayPal's corporate assets.","Funding, receiving, conversion, merchant fees, buyer or seller protection and account eligibility are transaction-specific."]},{"id":"SRC-COINBASE-BR-EBANX-TERMS","title":"Coinbase Brazil EBANX payment terms","publisher":"Coinbase and EBANX","url":"https://www.coinbase.com/legal/user_agreement/brazil","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The Brazil terms separate Coinbase digital-asset exchange services from EBANX Serviços Digitais and EBANX Instituição de Pagamento BRL services.","EBANX opens a purpose-limited prepaid payment account used for Coinbase digital-asset purchases and sales and supports Pix under conditional terms.","Electronic money, foreign exchange services and digital assets are separate from Brazilian bank deposits and do not receive FGC coverage on that basis."]},{"id":"SRC-CNBV-MX-PES","title":"CNBV supervised-entity register","publisher":"Comisión Nacional Bancaria y de Valores","url":"https://www.cnbv.gob.mx/Paginas/PADR%C3%93N-DE-ENTIDADES-SUPERVISADAS.aspx","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["CNBV describes the PES as the current register of supervised Mexican financial entities in operation.","It distinguishes banks, SOFIPOs and fintech institutions and states 400,000-UDI bank and 25,000-UDI SOFIPO protection ceilings.","A register entry does not prove product eligibility, pricing or individual acceptance."]},{"id":"SRC-CNBV-MX-SOFIPOS","title":"CNBV authorised SOFIPOs","publisher":"Comisión Nacional Bancaria y de Valores","url":"https://www.cnbv.gob.mx/Entidades-Autorizadas/Paginas/Sofipos.aspx","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["The current CNBV list includes Nu México Financiera and Klar Technologies as SOFIPOs.","The list establishes institution type, not a future bank migration or product terms.","Stori's exact status is corroborated by its current contract and the general PES."]},{"id":"SRC-CNBV-MX-BANK-CAPITAL","title":"CNBV bank capitalisation indicators April 2026","publisher":"Comisión Nacional Bancaria y de Valores","url":"https://www.cnbv.gob.mx/SECTORES-SUPERVISADOS/BANCA-MULTIPLE/Prensa%20%20Sector%20Bancario/Comunicado%2013%20ICAP%20abril%202026.pdf","type":"official_regulatory_report","authority":1,"observedAt":"2026-07-12","notes":["The current report lists Revolut Bank and Banco Ualá among Mexican multiple banks.","Capital reporting establishes operating-bank status but not consumer product eligibility or pricing.","Deposit coverage is verified separately against IPAB guidance and provider contracts."]},{"id":"SRC-IPAB-MX-COVERAGE","title":"Mexican bank deposit protection boundary","publisher":"Comisión Nacional Bancaria y de Valores","url":"https://www.cnbv.gob.mx/Paginas/PADR%C3%93N-DE-ENTIDADES-SUPERVISADAS.aspx","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["CNBV states that eligible bank savings are protected by IPAB up to 400,000 UDIs.","Coverage follows the person and bank and applies only to guaranteed obligations under law.","SOFIPO deposits, IFPE funds, investments and credit products require different treatment."]},{"id":"SRC-PROSOFIPO-MX","title":"SOFIPO Protection Fund","publisher":"Fondo de Protección de Sociedades Financieras Populares","url":"https://www.prosofipo.mx/","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["The fund states that it can cover eligible SOFIPO savings up to 25,000 UDIs if the institution is liquidated or disappears.","The limit is per saver at the same SOFIPO, not per app section or product screen.","Bank deposits, IFPE funds, securities and credit are outside this SOFIPO statement."]},{"id":"SRC-BANXICO-MX-SPEI","title":"SPEI payment system","publisher":"Banco de México","url":"https://www.banxico.org.mx/servicios/sistema-pagos-electronicos-in.html","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["Banxico operates SPEI for electronic payments that can reach recipients in seconds through participating institutions.","Participation, schedule, amount, CLABE, fraud review and fees remain institution-specific.","SPEI access does not establish bank status or deposit protection."]},{"id":"SRC-BANXICO-MX-CODI","title":"CoDi system progress and participants","publisher":"Banco de México","url":"https://www.banxico.org.mx/sistemas-de-pago/codi-avances-banco-mexico.html","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["Banxico describes CoDi payment processing over SPEI and publishes participant context updated 11 June 2026.","A market participant list does not prove every compared app supports CoDi.","QR, device, account, direction and limit conditions remain provider-specific."]},{"id":"SRC-CNBV-MX-OPEN-FINANCE","title":"CNBV standardised open API rules","publisher":"Comisión Nacional Bancaria y de Valores","url":"https://www.cnbv.gob.mx/Normatividad/Disposiciones%20de%20car%C3%A1cter%20general%20relativas%20a%20las%20interfaces%20de%20programaci%C3%B3n%20de%20aplicaciones%20inform%C3%A1ticas%20estandarizadas%20a%20que%20hace%20referencia%20la%20Ley%20para%20Regular%20las%20Instituciones%20de%20Tecnolog%C3%ADa%20Financiera.pdf","type":"official_open_finance_guidance","authority":1,"observedAt":"2026-07-12","notes":["The rules govern standardised APIs for open financial data under the Fintech Law.","They define security, access and data-provider requirements for the covered open-data layer.","They do not prove universal transactional-data sharing or a specific provider integration."]},{"id":"SRC-NU-MX-CONTRACT","title":"Nu Mexico deposit account contract","publisher":"Nu México Financiera","url":"https://cdn.nu.com.mx/MX/contrato-de-cuenta-Nu.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The current contract identifies Nu México Financiera as a SOFIPO and the account as a peso demand deposit.","It states eligible deposits aggregate under the 25,000-UDI SOFIPO fund limit.","The published contract is used instead of inferring that a future bank licence has already migrated this account."]},{"id":"SRC-NU-MX-ACCOUNT","title":"Nu Mexico account and SOFIPO protection","publisher":"Nu México","url":"https://blog.nu.com.mx/seguridad-en-linea/pagos-y-compras-seguras-nu/como-protege-nu-tu-dinero/","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Nu's 2026 disclosure describes the live account as a SOFIPO product protected up to 25,000 UDIs.","Account, savings boxes, fixed terms and credit retain separate conditions.","Promotional rates and peso equivalents are not treated as permanent facts."]},{"id":"SRC-KLAR-MX-ACCOUNT","title":"Klar account","publisher":"Klar","url":"https://www.klar.mx/cuenta","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Klar describes a SOFIPO demand account, transfers, card and separate saving products.","It lists no opening, minimum-balance, bank-transfer or account-cancellation charge for the cited account.","Rates vary by product and customer segment and require transaction-time confirmation."]},{"id":"SRC-KLAR-MX-LEGAL","title":"Klar legal and regulatory disclosure","publisher":"Klar Technologies","url":"https://www.klar.mx/klar-legal","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Klar identifies current legal and product documents and its CNBV-supervised SOFIPO status.","Current footer disclosures identify Klar Technologies, S.A. de C.V., S.F.P.","Credit, cards, deposits and promotions use separate contracts."]},{"id":"SRC-STORI-MX-CONTRACT","title":"Stori multiple deposit contract","publisher":"Stori México","url":"https://www.storicard.com/files/stori-cuentamas/contrato-multiple-depositos.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The contract identifies Stori México SFP and separate demand-deposit account levels.","It states the 25,000-UDI per-person, same-institution protection boundary.","Deposit limits, term products and electronic services retain distinct conditions."]},{"id":"SRC-STORI-MX-PROTECTION","title":"Stori SOFIPO protection disclosure","publisher":"Stori México","url":"https://www.storicard.com/stori-cuentamas/fondo-de-proteccion","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Stori identifies the protected Cuenta+ and Inversión+ deposit products and the 25,000-UDI limit.","The limit aggregates a person's eligible operations at Stori.","Excluded or unlawful operations and non-deposit products do not inherit coverage."]},{"id":"SRC-STORI-MX-FEES","title":"Stori deposit costs and commissions","publisher":"Stori México","url":"https://www.storicard.com/files/stori-cuentamas/costos-y-comisiones-depositos.pdf","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The current schedule identifies deposit and electronic-service fees and product-specific charges.","Published yields and promotions have explicit validity windows and are not permanent rankings.","Replacement-card and unsuccessful-claim charges remain conditional."]},{"id":"SRC-UALA-MX-CONTRACTS","title":"Uala Mexico product contracts","publisher":"Ualá","url":"https://www.uala.mx/contratos","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Ualá identifies Ualá, S.A., Institución de Banca Múltiple as operator of its deposit products.","It states eligible deposit accounts are protected by IPAB up to 400,000 UDIs per person.","Credit, investments, cards and loyalty products use separate documents."]},{"id":"SRC-UALA-MX-COSTS","title":"Uala Mexico costs","publisher":"Ualá","url":"https://www.uala.mx/costos","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Ualá lists zero cost for the cited opening, maintenance, closure, transfers and card lifecycle functions.","ATM operators and an unsuccessful unrecognised-charge claim can create separate costs.","Payroll reimbursement and promotional rate conditions are not universal."]},{"id":"SRC-REVOLUT-MX-LEGAL","title":"Revolut Mexico legal and account documents","publisher":"Revolut Bank Mexico","url":"https://www.revolut.com/es-MX/legal/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The live legal hub identifies personal account, fee, product, IPAB and regulatory materials for Revolut Bank Mexico.","Current CNBV reporting independently lists the bank in operation.","Plans, cards, investments and promotions retain separate terms."]},{"id":"SRC-REVOLUT-MX-IPAB","title":"Revolut Mexico IPAB deposit disclosure","publisher":"Revolut Bank Mexico","url":"https://help.revolut.com/es-MX/help/app-features/savings-vaults/mx-more-help-with-savings-vaults/","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Revolut states that the cited deposit product is protected by IPAB up to 400,000 UDIs per customer and institution.","Coverage applies to eligible bank deposits, not every app feature.","Rates, restrictions and closure conditions remain product-specific."]},{"id":"SRC-REVOLUT-MX-PLANS","title":"Revolut Mexico plans","publisher":"Revolut Bank Mexico","url":"https://www.revolut.com/es-MX/our-pricing-plans/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The page lists Standard, Premium and Metal with different subscription and deposit-return conditions.","Published GAT calculations and rates have dated assumptions and are not universal comparisons.","Plan cancellation, card, ATM and exchange costs require the final schedule."]},{"id":"SRC-MERCADOPAGO-MX-LEGAL","title":"Mercado Pago Mexico legal entities","publisher":"Mercado Pago","url":"https://www.mercadopago.com.mx/mp/TyCs-MP","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Mercado Pago identifies Mercadolibre, S.A. de C.V., IFPE as the Wallet provider and separate group entities for aggregation and credit.","The platform name does not merge those legal services.","Wallet, merchant, credit and card conditions remain separate."]},{"id":"SRC-MERCADOPAGO-MX-PROTECTION","title":"Mercado Pago Mexico IFPE protection boundary","publisher":"Mercado Pago","url":"https://www.mercadopago.com.mx/blog/ley-fintech-mexico-proteccion-usuario","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Mercado Pago states that its IFPE wallet funds are not bank deposits and are not covered by IPAB.","It identifies CNBV, Banxico and SHCP oversight under the Fintech Law.","Oversight does not create bank-deposit insurance or guarantee promoted returns."]},{"id":"SRC-WISE-MX-AGREEMENT","title":"Wise Mexico customer agreement","publisher":"Wise Pagos México","url":"https://wise.com/imaginary-v2/images/7bd2bd45dd5ea37ae1aa2136b13a54e9-CustomerAgreement_18.12.24.docx.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies Wise Pagos México for cited services and warns another Wise entity can apply to non-MXN routes.","Fees, identity, funding, currency and transfer execution remain conditional.","It does not describe Wise as a Mexican bank or claim IPAB protection."]},{"id":"SRC-WISE-MX-PRIVACY-ENTITY","title":"Wise Mexico IFPE entity disclosure","publisher":"Wise","url":"https://wise.com/mx/legal/privacy-notice-personal","type":"official_regulatory_disclosure","authority":2,"observedAt":"2026-07-12","notes":["The 2026 notice identifies Wise Pagos México, S.A. de C.V., Institución de Fondos de Pago Electrónico.","The local IFPE is not a deposit-taking bank.","Cross-border services may still involve another Wise group entity under the customer agreement."]},{"id":"SRC-WISE-MX-PRICING","title":"Wise Mexico pricing","publisher":"Wise","url":"https://wise.com/mx/pricing/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Wise lists free registration and variable transfer pricing starting from 1.36% for eligible routes.","The transaction preview remains authoritative for amount, currency, route and third-party costs.","A starting price is not a universal fee."]},{"id":"SRC-WISE-MX-MXN","title":"Wise MXN transfer guidance","publisher":"Wise","url":"https://wise.com/es/help/articles/2932354/transferencias-hacia-pesos-mexicanos-mxn","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise documents conditional MXN sending, holding and recipient-bank support.","Sending from Mexican banks requires Mexican citizenship, a valid INE and an account in the customer's name under the cited guidance.","Limits, excluded recipient banks, timing and refunds remain route-specific."]},{"id":"SRC-SARB-ZA-BANKS","title":"South African registered banks and CODI members","publisher":"South African Reserve Bank","url":"https://www.resbank.co.za/en/home/what-we-do/Deposit-insurance/member-banks0","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["The current CODI list includes Capitec Bank, Discovery Bank, OM Bank, TymeBank and Bank Zero under their exact bank classes.","All registered commercial, mutual, co-operative and local-branch banks are automatically CODI members.","Membership establishes institution status, not product eligibility, pricing or customer acceptance."]},{"id":"SRC-CODI-ZA-COVERAGE","title":"CODI deposit-insurance coverage","publisher":"South African Reserve Bank","url":"https://www.resbank.co.za/en/home/what-we-do/Deposit-insurance/CODI-Frequently-Asked-Questions","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["CODI became operational on 1 April 2024 and covers qualifying balances up to R100,000 per qualifying depositor per registered bank.","The limit aggregates qualifying products such as current, transactional, savings, term and notice accounts at the same bank and includes accrued interest.","Payment-service balances, investments, insurance, annuities and non-qualifying depositors or products do not inherit this coverage."]},{"id":"SRC-SARB-ZA-NPS","title":"South African national payment system","publisher":"South African Reserve Bank","url":"https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["SARB operates, regulates, supervises and oversees the national payment system and settlement through SAMOS.","The NPS includes cards, EFTs and other retail and large-value systems.","Market infrastructure does not prove a particular provider supports every rail, direction, limit or schedule."]},{"id":"SRC-SARB-ZA-PAYSHAP","title":"PayShap faster-payment system","publisher":"South African Reserve Bank","url":"https://www.resbank.co.za/content/dam/sarb/what-we-do/payments-and-settlements/regulation-oversight-and-supervision/regulatory-and-oversight-reports/NPS%20Regulatory%20and%20Oversight%20Report%202023.pdf","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["PayShap is a real-time retail payment system for participating South African banks using account details or a proxy such as a cellphone number.","The cited report describes payments within 60 seconds and participation rather than universal availability.","Provider support, limits, fees, request-to-pay access and screening remain institution-specific."]},{"id":"SRC-SARB-ZA-FX","title":"SARB financial-surveillance scope","publisher":"South African Reserve Bank","url":"https://www.resbank.co.za/en/home/contact-us","type":"official_regulatory_guidance","authority":1,"observedAt":"2026-07-12","notes":["SARB Financial Surveillance regulates South African cross-border transactions and authorised foreign-exchange dealers.","A domestic account, card or payment-app listing does not prove every cross-border transaction is permitted.","Residence, purpose, allowance, documentation, provider and transaction review remain relevant."]},{"id":"SRC-GOTYME-ZA-NAME","title":"Tyme Bank name change to GoTyme Bank","publisher":"Government of South Africa","url":"https://www.gov.za/documents/notices/banks-act-change-name-tyme-bank-limited-gotyme-bank-limited-27-feb-2026","type":"official_regulatory_notice","authority":1,"observedAt":"2026-07-12","notes":["The official notice records the change from Tyme Bank Limited to GoTyme Bank Limited in 2026.","The CODI list may still display the former name while the provider's current terms use GoTyme Bank.","The name change does not create a separate coverage limit or separate bank."]},{"id":"SRC-GOTYME-ZA-TERMS","title":"GoTyme Bank account terms","publisher":"GoTyme Bank","url":"https://gotyme.co.za/personal/legal-terms-and-conditions","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["GoTyme Bank identifies itself as the registered South African bank providing its current and deposit accounts.","The terms state qualifying account funds are covered by CODI subject to the regulations and coverage limit.","Current accounts, GoalSave, fixed deposits, cards, advances and promotions retain separate terms."]},{"id":"SRC-GOTYME-ZA-FEES","title":"GoTyme Bank current-account fees","publisher":"GoTyme Bank","url":"https://gotyme.co.za/personal/bank-account/current-account/fees-and-charges","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The current schedule lists no monthly current-account fee and separates instant, standard, cash, card and inactivity charges.","Instant payments up to R5,000 are listed as free and larger eligible instant payments as R7, while conditions and limits apply.","ATM, retailer, replacement, decline and international charges remain transaction-specific."]},{"id":"SRC-BANKZERO-ZA-TERMS","title":"Bank Zero terms and conditions","publisher":"Bank Zero","url":"https://www.bankzero.co.za/wp-content/uploads/2024/09/Terms-and-conditions-2024-09-30.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies Bank Zero Mutual Bank, registration MB0001, and defines the account as a bank account.","Personal, business, savings, notice, card and international functions retain separate conditions.","Mutual-bank status does not remove CODI product and depositor eligibility rules."]},{"id":"SRC-BANKZERO-ZA-FEES","title":"Bank Zero 2026 pricing guide","publisher":"Bank Zero","url":"https://www.bankzero.co.za/wp-content/uploads/2025/11/Bank-Zero-pricing-guide-2026.pdf","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The 2026 guide lists zero monthly fees for cited personal and business accounts and zero fees for standard EFTs, debit orders and card purchases.","Immediate payments, cash, card delivery, disputes, inactivity and foreign-currency purchases can create separate charges.","The guide states cross-border EFTs are not yet available and does not make every transaction free."]},{"id":"SRC-DISCOVERY-ZA-ACCOUNT","title":"Discovery Bank Gold Transaction Account","publisher":"Discovery Bank","url":"https://www.discovery.co.za/bank/accounts-transaction-bundled-gold","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Discovery Bank describes a direct bank transaction account with EFT, salary, debit-order, savings and conditional foreign-currency functions.","The cited bundled Gold example has income, monthly-price and product conditions.","Rewards, credit, forex and savings products must not be merged into one account claim."]},{"id":"SRC-DISCOVERY-ZA-CODI","title":"Discovery Bank CODI disclosure","publisher":"Discovery Bank","url":"https://www.discovery.co.za/bank/info-and-tips-discovery-bank-products","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Discovery identifies qualifying transaction, savings and deposit accounts as CODI-covered up to R100,000 per depositor per bank.","It excludes loan accounts, overdrawn balances and debit balances in credit-card accounts.","Foreign-currency deposit conversion and all coverage remain subject to CODI rules."]},{"id":"SRC-DISCOVERY-ZA-FEES","title":"Discovery Bank Gold Transaction Account 2026 fees","publisher":"Discovery Bank","url":"https://www.discovery.co.za/wcm/discoverycoza/assets/bank/fees-guides/discovery-bank-gold-transaction-bundled-fees.pdf","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule effective 1 January 2026 lists R170 monthly for the cited bundled Gold transaction account, including account and Vitality Money components.","PayShap, ATM, international, decline, replacement and optional product fees vary by threshold or event.","This example is not a universal Discovery Bank price and other tiers use separate schedules."]},{"id":"SRC-CAPITEC-ZA-BANK","title":"Capitec Bank legal identity","publisher":"Capitec Bank","url":"https://www.capitecbank.co.za/about-us/","type":"official_regulatory_disclosure","authority":2,"observedAt":"2026-07-12","notes":["Capitec identifies Capitec Bank Limited and its South African Reserve Bank registration.","The page establishes the bank entity but not every product, fee or protection outcome.","Banking, business, credit, insurance and partner products retain separate legal treatment."]},{"id":"SRC-CAPITEC-ZA-FEES","title":"Capitec personal banking fees 2026","publisher":"Capitec Bank","url":"https://www.capitecbank.co.za/about-us/documents-library/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Capitec's official library publishes the current personal banking fee guide and product agreements.","Public fees change by payment, card, cash, branch, digital and account action and require the current guide.","No universal free-account or cheapest-account conclusion is inferred."]},{"id":"SRC-CAPITEC-ZA-CODI","title":"Capitec CODI information","publisher":"Capitec Bank","url":"https://www.capitecbank.co.za/globalassets/pages/about-us/documents-library/codi_trifold-brochure_2024.pdf","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Capitec publishes CODI information for qualifying bank deposits.","Coverage follows the qualifying depositor, product and total at Capitec Bank rather than each app pocket.","Credit, insurance, investments and unrelated group services do not inherit deposit insurance."]},{"id":"SRC-OMBANK-ZA-PA","title":"OM Bank registration","publisher":"South African Reserve Bank Prudential Authority","url":"https://www.resbank.co.za/content/dam/sarb/publications/reports/pa-annual-reports/2025/Prudential%20Authority%20Annual%20Report%202024.2025.pdf","type":"official_regulatory_report","authority":1,"observedAt":"2026-07-12","notes":["The Prudential Authority records OM Bank Limited as a registered bank from 17 April 2024.","SARB's current CODI register and 2025/26 annual report confirm its deposit-insurance membership.","Registration does not prove every Old Mutual group product is a bank deposit."]},{"id":"SRC-OMBANK-ZA-CODI","title":"CODI 2025/26 annual report","publisher":"Corporation for Deposit Insurance","url":"https://www.resbank.co.za/en/home/publications/publication-detail-pages/reports/codi-annual/codi-2025-26","type":"official_protection_guidance","authority":1,"observedAt":"2026-07-12","notes":["The report says OM Bank was onboarded to CODI and restates the R100,000 qualifying-depositor, per-bank boundary.","CODI membership attaches to the registered bank and qualifying deposits, not to all Old Mutual products.","Insurance, investments, lending and rewards retain separate protection and risk treatment."]},{"id":"SRC-OMBANK-ZA-PRODUCT","title":"OM Bank account and payment functions","publisher":"Old Mutual","url":"https://secure.rewards.oldmutual.co.za/web/om/win-on-repeat-faqs","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Current Old Mutual materials describe an OM Bank account, debit card, EFT, PayShap and bill-payment functions.","They identify South African residence, identity, account-opening and physical-card collection conditions for the cited promotion.","Promotion rewards are excluded from persistent pricing or ranking claims and full bank fees remain unavailable."]},{"id":"SRC-WISE-ZA-AVAILABILITY","title":"Wise feature availability in South Africa","publisher":"Wise","url":"https://wise.com/za/availability/","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Wise lists South African resident access to sending, holding and receiving features with country-specific limitations.","The page does not list a Wise card for South African residents and feature availability can differ for existing accounts.","Currency, account-detail, business and route access remain conditional."]},{"id":"SRC-WISE-ZA-LEGAL","title":"Wise South Africa entity and safeguarding","publisher":"Wise","url":"https://wise.com/za/","type":"official_regulatory_disclosure","authority":2,"observedAt":"2026-07-12","notes":["The South Africa site identifies Wise Payments Limited and its FCA electronic-money authorisation.","Wise describes ordinary account money as safeguarded rather than a South African bank deposit.","Foreign account details and partner banks do not create CODI coverage for the Wise balance."]},{"id":"SRC-WISE-ZA-ZAR","title":"Wise ZAR transfer guidance","publisher":"Wise","url":"https://wise.com/help/articles/2932359/guide-to-zar-transfers","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise currently supports sending ZAR to South African individual and business bank accounts but states users cannot currently send from ZAR under this route guide.","Recipient information, amount, timing, Swift threshold and compliance conditions apply.","A payout route does not establish local-bank participation or CODI protection for Wise."]},{"id":"SRC-WISE-ZA-PRICING","title":"Wise South Africa account pricing","publisher":"Wise","url":"https://wise.com/za/pricing/hold-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Wise lists no monthly fee for holding supported currencies for South African residents.","Conversion, transfer, receiving and third-party fees remain currency-, amount- and route-specific.","The transaction preview is authoritative and no permanent cheapest claim is made."]},{"id":"SRC-PAYPAL-ZA-AGREEMENT","title":"PayPal South Africa user agreement","publisher":"PayPal","url":"https://www.paypal.com/za/legalhub/paypal/useragreement-full?locale.x=en_ZA","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies PayPal Pte. Ltd. as the service provider and contains South Africa-specific exchange-control and withdrawal terms.","South African recipients must withdraw received balance to a South African bank account within 30 days under the cited terms.","The agreement does not classify PayPal as a South African bank or extend CODI protection to its balance."]},{"id":"SRC-PAYPAL-ZA-WITHDRAW","title":"PayPal withdrawals to South African bank accounts","publisher":"PayPal","url":"https://www.paypal.com/za/cshelp/article/how-do-i-withdraw-money-to-my-first-national-bank-fnb-account-help1130","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["PayPal documents withdrawal through an FNB Online Banking profile to FNB or another linked South African bank account.","FICA documents, identity matching, currency conversion, transaction review and a stated three-to-five-business-day estimate apply.","FNB facilitation does not turn the PayPal balance into an FNB deposit or CODI-covered product before withdrawal completes."]},{"id":"SRC-SAMA-SA-LICENSED-BANKS","title":"Saudi licensed entities and banks","publisher":"Saudi Central Bank","url":"https://www.sama.gov.sa/en-US/Supervision/LicenseEntities/Pages/default.aspx","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["SAMA's register identifies Al Rajhi Bank and Saudi National Bank as licensed local banks and separates banking from payment-service licences.","STC Bank and D360 operating status is established by separate SAMA launch notices.","A bank licence does not prove product eligibility, pricing, approval or payment-rail participation."]},{"id":"SRC-SAMA-SA-DPF","title":"Depositors Protection Fund FAQs","publisher":"Saudi Central Bank","url":"https://rulebook.sama.gov.sa/en/depositors-protection-fund-dpf-frequently-asked-questions-faqs","type":"protection_scheme_guidance","authority":1,"observedAt":"2026-07-12","notes":["The in-force DPF rules protect eligible deposits up to SAR 200,000 including principal and accrued commission or return per eligible depositor per member bank.","Deposits across branches and currencies at the same bank aggregate, while eligible deposits at different member banks are assessed separately.","Inter-bank deposits, bearer instruments, repurchase agreements, EMI money, payment balances and investments do not inherit this statement."]},{"id":"SRC-SAMA-SA-SARIE","title":"sarie instant payment system","publisher":"Saudi Central Bank","url":"https://www.sama.gov.sa/en-US/payment/Pages/Sarie.aspx","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["SAMA owns sarie, launched in 2021 for instant low-value transfers among participating local banks around the clock.","The page states a SAR 20,000 low-value scope and alternative identifiers for eligible transfers, with a lower no-beneficiary-activation threshold.","Participation, direction, exact limit, fee, screening and availability remain provider-specific."]},{"id":"SRC-SAMA-SA-PAYMENT-SYSTEMS","title":"Saudi systemically important payment systems","publisher":"Saudi Central Bank","url":"https://rulebook.sama.gov.sa/en/payment-systems","type":"official_payment_rail","authority":1,"observedAt":"2026-07-12","notes":["SAMA distinguishes SARIE RTGS, mada card and ATM infrastructure and SADAD bill payment as national payment systems.","System infrastructure does not prove every provider or product supports each rail.","A mada card, IBAN, SADAD option or sarie transfer does not create deposit protection."]},{"id":"SRC-SAMA-SA-EMI-LIST","title":"Saudi licensed payment service providers","publisher":"Saudi Central Bank","url":"https://www.sama.gov.sa/en-US/Supervision/LicenseEntities/Pages/Licensed_Payment_Service_Providers_companies.aspx","type":"official_regulatory_register","authority":1,"observedAt":"2026-07-12","notes":["SAMA's current register separates Electronic Money Institutions from Payment Institutions and lists the urpay entity by its unified number.","An EMI may issue electronic money but is not a bank merely because it is licensed by SAMA.","Licence status does not prove every wallet, card, remittance or merchant feature."]},{"id":"SRC-SAMA-SA-EMI-RULES","title":"Saudi electronic wallet rules","publisher":"Saudi Central Bank","url":"https://www.sama.gov.sa/en-US/RulesInstructions/Documents/Electronic_Wallets_Rules.pdf","type":"official_regulatory_guidance","authority":1,"observedAt":"2026-07-12","notes":["The rules define an electronic wallet as an EMI service for issuing, storing and managing electronic money.","EMI safeguarding and customer-limit duties remain separate from the bank DPF framework.","A parent-bank affiliation does not reclassify wallet money as a deposit at that parent bank."]},{"id":"SRC-STCBANK-SA-LAUNCH","title":"STC Bank commencement of banking operations","publisher":"Saudi Central Bank","url":"https://www.sama.gov.sa/en-US/MediaCenter/News/Pages/news-1071.aspx","type":"official_regulatory_notice","authority":1,"observedAt":"2026-07-12","notes":["SAMA granted licensed digital bank STC Bank no objection to commence banking operations on 28 January 2025.","The current bank must not be confused with historical STC Pay EMI treatment.","Operating approval does not prove every current account, card, deposit or finance term."]},{"id":"SRC-STCBANK-SA-TERMS","title":"STC Bank terms and products","publisher":"STC Bank","url":"https://www.stcbank.com.sa/en/web/guest/terms","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["STC Bank identifies itself as the bank and lists current banking, card, savings and finance product families.","The page warns that some described services may be planned rather than currently offered.","Each deposit, card, savings or finance product requires its operative agreement."]},{"id":"SRC-STCBANK-SA-FEES","title":"STC Bank product and service fees","publisher":"STC Bank","url":"https://stcbank.com.sa/en/product-and-service-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule lists local instant transfers at SAR 0.50 up to SAR 2,500 and SAR 1 above that through SAR 20,000, excluding VAT.","RTGS, international, card, cash, business and other service charges remain separate.","Temporary campaigns and expected savings returns are not permanent pricing claims."]},{"id":"SRC-D360-SA-LAUNCH","title":"D360 banking operations launch","publisher":"Saudi Central Bank","url":"https://www.sama.gov.sa/en-US/MediaCenter/News/pages/news-1061.aspx","type":"official_regulatory_notice","authority":1,"observedAt":"2026-07-12","notes":["SAMA granted licensed digital bank D360 no objection to commence banking operations in December 2024.","The notice establishes operating-bank status, not customer acceptance, product coverage or fees.","Current account, card, savings and lending products retain separate terms."]},{"id":"SRC-D360-SA-SAVINGS","title":"D360 monthly savings account terms","publisher":"D360 Bank","url":"https://d360.com/en/personal/sanabil-monthly-account/terms-and-conditions","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The agreement identifies a Mudaraba savings account governed with the retail current-account terms and requires an existing D360 current account.","Expected profit is not guaranteed and the agreement states capital may be exposed to loss except under specified misconduct conditions.","The page is not used to claim that every investment-style balance has DPF coverage; exact DPF eligibility requires confirmation."]},{"id":"SRC-D360-SA-FEES","title":"D360 products and services fees","publisher":"D360 Bank","url":"https://d360.com/en/services-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["D360 publishes separate fee groups for customer accounts, statements, mada cards, transfers, services and lending.","The schedule states listed fees are subject to 15% VAT.","The final current schedule and transaction screen control because product and action charges vary."]},{"id":"SRC-ALRAJHI-SA-ACCOUNT","title":"Al Rajhi current account","publisher":"Al Rajhi Bank","url":"https://alrajhibank.com.sa/en/Personal/Accounts/Current-Account","type":"official_product","authority":5,"observedAt":"2026-07-12","notes":["Al Rajhi describes a direct Shariah-compliant current account with transfers, mada card, cash and banking-channel access.","Identity, residence, documentation, acceptance, salary and finance conditions remain separate.","The bank relationship does not make every investment, card or finance product a DPF-eligible deposit."]},{"id":"SRC-ALRAJHI-SA-FEES","title":"Al Rajhi products and services fees","publisher":"Al Rajhi Bank","url":"https://www.alrajhibank.com.sa/en/Personal/Accounts/Products-and-Services-fees","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The schedule effective 20 February 2026 lists current-account opening, domestic ATM cash and primary mada issuance as free.","Replacement, international, transfer, card and other service charges vary and VAT can apply.","No universal free-banking or cheapest claim is inferred."]},{"id":"SRC-SNB-SA-FEES","title":"Saudi National Bank fees and charges","publisher":"Saudi National Bank","url":"https://www.alahli.com/-/media/project/snb/snb-web/documents/fees-and-charges.pdf?view=","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["SNB's current schedule lists current-account opening and digital banking as free and separates sarie, local, international, card and statement fees.","Quick local transfer fees vary by amount and other actions use separate charges.","Credit, gold, prepaid, finance and savings products do not share one fee or protection model."]},{"id":"SRC-SNB-SA-SADAD","title":"SNB SADAD bill payments","publisher":"Saudi National Bank","url":"https://www.alahli.com/en/pages/personal-banking/finance/sadad","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["SNB documents SADAD bill and government-fee payment through app, online, phone, ATM and branch channels.","Channel access does not prove every biller, schedule, refund or transaction outcome.","SADAD support is a payment capability, not deposit-insurance evidence."]},{"id":"SRC-URPAY-SA-TERMS","title":"urpay electronic wallet terms","publisher":"urpay","url":"https://www.urpay.sa/en/terms--condidtions","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The January 2026 terms identify Global Digital Financial Solutions Company, unified ID 7021176180, as the urpay wallet provider and an Al Rajhi affiliate.","The wallet supports conditional cash-in, payments, redemption and domestic or international transfers.","Affiliate status does not make wallet money an Al Rajhi bank deposit or create DPF coverage."]},{"id":"SRC-URPAY-SA-CARD","title":"urpay prepaid card terms","publisher":"urpay","url":"https://www.urpay.com.sa/en/cards-terms-conditions","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["urpay's virtual and physical prepaid cards are governed as additions to the e-wallet agreement.","Card issuance, annual, transaction, reward and cancellation conditions remain offer-specific.","A card linked to electronic money is not evidence of a bank deposit."]},{"id":"SRC-WISE-SA-AVAILABILITY","title":"Wise account holding availability","publisher":"Wise","url":"https://wise.com/help/articles/2813542/where-do-i-need-to-live-to-hold-money-with-wise","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise lists Saudi Arabia among locations where eligible residents can hold money, subject to account-specific changes and restrictions.","The list does not establish a Saudi bank entity or local SAR account details.","Currencies, funding, receiving, business and transfer functions require exact in-product confirmation."]},{"id":"SRC-WISE-SA-SAFEGUARDING","title":"Wise safeguarding model","publisher":"Wise","url":"https://wise.com/help/articles/2949821/how-wise-keeps-your-money-safe","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-12","notes":["Wise describes ordinary account money as safeguarded in cash, secure liquid assets or through a comparable guarantee rather than bank-deposit insurance.","The responsible Wise entity and safeguarding arrangement depend on residence and service.","Saudi resident eligibility does not create DPF coverage."]},{"id":"SRC-WISE-SA-CARD","title":"Wise card country availability","publisher":"Wise","url":"https://wise.com/help/articles/2968915/can-i-get-the-wise-card-in-my-country","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Saudi Arabia is not in Wise's current personal-card issuance list.","An existing card issued in another eligible country does not prove new or replacement Saudi issuance.","The page preserves an unavailable card state while account functions remain separately assessed."]},{"id":"SRC-PAYPAL-SA-AGREEMENT","title":"PayPal Saudi Arabia user agreement","publisher":"PayPal","url":"https://www.paypal.com/sa/legalhub/paypal/useragreement-full?locale.x=en_SA","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The Saudi legal hub agreement identifies PayPal Pte. Ltd. as the service provider.","Service, balance, payment, withdrawal, currency and account functionality varies by country and customer.","PayPal is not listed as a Saudi bank and its balance does not receive DPF coverage merely through a linked bank or card."]},{"id":"SRC-PAYPAL-SA-WITHDRAW","title":"PayPal Saudi bank withdrawal guidance","publisher":"PayPal","url":"https://www.paypal.com/sa/cshelp/article/how-do-i-withdraw-money-to-my-bank-account-help394","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["PayPal's Saudi help page describes conditional withdrawal to a bank account and warns product availability differs by market.","Transfer method, eligibility, review, timing, currency and fees remain customer-specific.","A withdrawal destination does not make the prior PayPal balance a deposit at that bank."]},{"id":"SRC-CHIME-SEC-10K","title":"Chime Financial 2025 annual report","publisher":"US Securities and Exchange Commission","url":"https://www.sec.gov/Archives/edgar/data/1795586/000179558626000013/chym-20251231.htm","type":"official_regulatory_filing","authority":1,"observedAt":"2026-07-12","notes":["Chime Financial, Inc. identifies itself as a financial technology company, not a bank, and names The Bancorp Bank, N.A. and Stride Bank, N.A. as bank partners.","The filing describes checking deposits held through bank-partner omnibus accounts and savings funds placed through a community deposit sweep programme.","Chime states that pass-through FDIC coverage depends on conditions and is not determined by the FDIC in advance of a bank failure."]},{"id":"SRC-CHIME-BANCORP-CHECKING","title":"The Bancorp Bank Chime deposit account agreement","publisher":"The Bancorp Bank, N.A. and Chime","url":"https://www.chime.com/policies/bancorp/deposit-account-agreement/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The February 2026 agreement makes The Bancorp Bank, N.A. the FDIC-member bank and Chime Financial, Inc. the programme partner for the personal checking account.","It requires adult US legal residency, Social Security number verification, electronic delivery and bank acceptance and excludes business use and joint ownership.","The agreement separately governs cards, ACH, cash access, SpotMe eligibility, transaction limits, holds, fees and closures."]},{"id":"SRC-CHIME-STRIDE-CHECKING","title":"Stride Bank Chime deposit account agreement","publisher":"Stride Bank, N.A. and Chime","url":"https://www.chime.com/policies/stride/deposit-account-agreement/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The February 2026 agreement makes Stride Bank, N.A. the FDIC-member bank and Chime Financial, Inc. the programme partner for the personal checking account.","It documents pooled account treatment, a personal checkless account, virtual and physical debit cards, ACH and separate savings or secured-card products.","Issuer, limits, fees and feature availability must be resolved from the member's exact agreement and in-app state."]},{"id":"SRC-CHIME-CHECKING","title":"Chime checking account and fee schedule","publisher":"Chime","url":"https://www.chime.com/online-banking/checking-account/","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["Chime lists no monthly service, minimum-balance or overdraft fee for the checking account and a $2.50 out-of-network ATM or OTC withdrawal fee, with operator fees possible.","SpotMe, MyPay, cash deposits, membership status, card use and other optional services retain eligibility, limit, state, timing and fee conditions.","The page states Chime is not a bank and that the partner bank, not Chime, is the FDIC member."]},{"id":"SRC-CHIME-ELIGIBILITY","title":"How to open a Chime account","publisher":"Chime Help Center","url":"https://help.chime.com/hc/en-us/articles/224860387-How-do-I-open-a-Chime-account","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["The help page requires a valid Social Security number, US mobile number, age 18 or older, US citizenship or legal residence and a recognised US residential address.","Identity verification and requested documents can control acceptance; only one checking account per person is allowed.","The page states joint, business and secondary-card accounts are unavailable and that checking application does not use a credit check."]},{"id":"SRC-CHIME-DISCLOSURES","title":"Chime product disclosures","publisher":"Chime","url":"https://www.chime.com/disclosures/","type":"official_product_disclosure","authority":2,"observedAt":"2026-07-12","notes":["The disclosed variable savings APYs effective 2 April 2026 are 0.75% standard, 3.00% for Chime Plus and 3.75% for Chime Prime, with at least $0.01 required to earn interest.","A Chime Checking Account is required for savings and for applying for Chime Card or Credit Builder.","Mobile check deposit, early pay, savings, cards and other features retain separate eligibility and timing conditions."]},{"id":"SRC-CHIME-MEMBERSHIP","title":"Chime membership tiers terms","publisher":"Chime","url":"https://www.chime.com/policies/chime/membership-tiers-prime/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Chime Plus and Chime Prime are conditional membership statuses attached to an active checking account at The Bancorp Bank, N.A. or Stride Bank, N.A.","Current terms use qualifying direct-deposit thresholds and a rolling eligibility window; product perks can have additional conditions or fees.","Tier status is not a separate deposit account, bank, FDIC ownership category or permanent price guarantee."]},{"id":"SRC-CHIME-CREDIT-BUILDER","title":"Chime Credit Builder product guidance","publisher":"Chime Help Center","url":"https://help.chime.com/hc/en-us/articles/17192694520983-What-is-Credit-Builder-and-how-can-I-enroll","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Chime describes Credit Builder as a secured Chime Visa credit card with no interest, annual fee or credit check to apply.","The card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A.; the exact issuer appears on the card and agreement.","Out-of-network ATM or OTC fees can apply, credit impact can vary and checking plus separate secured-account and card terms control eligibility and use."]},{"id":"SRC-CHIME-SPOTME","title":"Chime SpotMe overdraft line of credit agreement","publisher":"The Bancorp Bank, N.A. and Chime","url":"https://www.chime.com/policies/bancorp/chime-spotme-for-credit-agreement/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The April 2026 agreement classifies SpotMe for Credit as an optional overdraft line of credit offered by The Bancorp Bank, N.A. and serviced by Chime.","Eligibility requires linked Chime accounts, the app, qualifying direct deposits and other bank or Chime conditions; a discretionary shared limit is shown in-app.","SpotMe itself has no usage fee, but related ATM or OTC fees can apply and separate SpotMe on Debit or Stride terms may differ."]},{"id":"SRC-CHIME-APPLE","title":"Chime mobile banking App Store listing","publisher":"Apple App Store","url":"https://apps.apple.com/us/app/chime-mobile-banking/id836215269","type":"app_store_listing","authority":6,"observedAt":"2026-07-12","notes":["The US listing identifies Chime Financial, Inc. as seller and showed 4.8 from about 1.5 million ratings at observation.","Ratings, review counts, version, size, compatibility and privacy labels are dynamic store snapshots.","Store ratings do not establish account reliability, dispute outcomes, support quality or a NeobankDB numerical score."]},{"id":"SRC-CHIME-GOOGLE","title":"Chime fee-free banking Google Play listing","publisher":"Google Play","url":"https://play.google.com/store/apps/details?id=com.onedebit.chime","type":"app_store_listing","authority":6,"observedAt":"2026-07-12","notes":["The US listing showed 4.7 from about 1.07 million reviews and 10 million-plus downloads at observation.","The product summary, ratings, counts, version, data-safety declarations and availability can change and some product footnotes can lag current legal pages.","The listing is used only as a dated store snapshot, not as proof of service quality, account terms or a universal rating."]},{"id":"SRC-CHIME-SUPPORT","title":"How to contact Chime customer service","publisher":"Chime","url":"https://www.chime.com/blog/how-to-contact-chime-customer-service/","type":"official_support_guidance","authority":4,"observedAt":"2026-07-12","notes":["Chime's July 2026 guidance lists 24/7 phone and in-app live-agent chat plus email and a social support channel.","Published channel availability does not prove response time, resolution quality or recovery outcomes.","NeobankDB did not contact support and does not publish a support-quality score."]},{"id":"SRC-VARO-OCC-CHARTER","title":"OCC presents Varo Bank its national bank charter","publisher":"Office of the Comptroller of the Currency","url":"https://www.occ.gov/news-issuances/news-releases/2020/nr-occ-2020-99.html","type":"official_regulatory_notice","authority":1,"observedAt":"2026-07-12","notes":["The OCC presented Varo Bank, N.A. a full-service national bank charter and states the bank opened on 1 August 2020.","The charter establishes direct national-bank status rather than a partner-bank fintech arrangement.","A charter does not make every credit product, app feature, rate, fee or customer outcome a deposit fact."]},{"id":"SRC-VARO-BANK-AGREEMENT","title":"Varo Bank Account Agreement","publisher":"Varo Bank, N.A.","url":"https://prod-cdn.varomoney.com/agreements/68ab2489-8451-43d7-b819-02fe801df1f8.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The February 2026 agreement governs a personal checkless demand deposit account directly at Varo Bank, N.A., Member FDIC.","It separately governs eligibility, account ownership, overdrafts, deposits, transfers, debit cards, cash access, fees, holds, foreign-currency transactions and closures.","Business use, joint ownership, secondary cards and optional products require separate treatment."]},{"id":"SRC-VARO-BANK-ACCOUNT","title":"Varo online bank account","publisher":"Varo Bank, N.A.","url":"https://www.varomoney.com/bank-account/","type":"official_product","authority":4,"observedAt":"2026-07-12","notes":["Varo lists no monthly, minimum-balance, account or overdraft fee for the cited personal bank account.","The page lists more than 40,000 Allpoint ATMs, free qualifying CVS cash deposits and a $3.50 out-of-network or international ATM fee plus possible operator fees.","Early direct deposit, cashback, cash deposits, Advance and other optional services retain eligibility, timing, limit and fee conditions."]},{"id":"SRC-VARO-ELIGIBILITY","title":"Applying for a Varo Bank Account","publisher":"Varo Support","url":"https://support.varomoney.com/hc/en-us/articles/21993195012628-Applying-for-a-Varo-Bank-Account","type":"official_help","authority":4,"observedAt":"2026-07-12","notes":["Applicants need a supported device, active email, identity verification, age 18 or older and US citizenship or permanent residence at a physical address in the 50 states or District of Columbia.","Only one individually owned bank account is allowed; joint, secondary debit-card and business accounts are not supported.","Approval can take up to three business days and optional Savings, Believe or Advance accounts have further qualifications."]},{"id":"SRC-VARO-SAVINGS","title":"Varo online savings account","publisher":"Varo Bank, N.A.","url":"https://www.varomoney.com/savings-account/","type":"official_product_disclosure","authority":3,"observedAt":"2026-07-12","notes":["The variable APYs accurate 1 July 2026 are 1.00% generally and 3.75% on the first $5,000 for the following month when the cited $1,000 qualifying direct-deposit and positive-balance conditions are met.","Balances above $5,000 remain at 1.00% under the cited elevated programme, and rates can change at any time.","The savings account requires a Varo Bank Account and has no monthly, annual or minimum-balance fee under the cited page."]},{"id":"SRC-VARO-BELIEVE","title":"Varo Believe programme agreements","publisher":"Varo Bank, N.A.","url":"https://www.varomoney.com/privacy-legal/varo-believe-program-agreement-effective-as-of-november-6-2023/","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["Varo Believe is a secured Visa charge-card programme issued by Varo Bank with a separate Believe Secured Account holding collateral.","Eligibility requires an open eligible Varo Bank Account and other conditions; funds moved to the secured account set available spending and full monthly payment remains due.","Credit reporting and score outcomes vary, and the secured deposit account must not be described as unsecured credit or guaranteed score improvement."]},{"id":"SRC-VARO-ADVANCE","title":"Varo Advance Account Agreement","publisher":"Varo Bank, N.A.","url":"https://prod-cdn.varomoney.com/agreements/d5fa127d-050d-4bb6-82b4-cc95dff101d8.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The February 2026 agreement classifies Varo Advance as an open-end line of credit requiring an existing Varo Bank Account.","Eligibility and limit decisions can use account activity, deposits, consumer reports, income and other underwriting information.","Each advance and its upfront fee, repayment date and available amount are credit terms shown in the app, not deposit-account features or guaranteed access."]},{"id":"SRC-VARO-LINE-OF-CREDIT","title":"Varo personal line of credit","publisher":"Varo Bank, N.A.","url":"https://www.varomoney.com/line-of-credit/","type":"official_credit_product","authority":3,"observedAt":"2026-07-12","notes":["The cited product offers conditional draws from $600 to $2,000 with a flat fee of $60 to $400 and no interest, late or prepayment fee.","Eligibility and limits depend on credit approval, credit score and Varo activity, and a hard credit check can apply under the support guidance.","Only one draw can be outstanding and early repayment does not reduce the original agreed flat fee."]},{"id":"SRC-VARO-DISCLOSURES","title":"Varo product disclosures","publisher":"Varo Bank, N.A.","url":"https://www.varomoney.com/disclosures/","type":"official_product_disclosure","authority":3,"observedAt":"2026-07-12","notes":["Varo separates bank-account and savings fees from out-of-network services, Advance, line-of-credit and other optional-product fees.","Direct-deposit definitions, credit-result research, reward offers and product metrics are scoped and conditional rather than universal guarantees.","Current operative agreements and in-app disclosures control where product-page summaries conflict or change."]},{"id":"SRC-VARO-APPLE","title":"Varo Bank App Store listing","publisher":"Apple App Store","url":"https://apps.apple.com/us/app/varo-bank-online-banking/id1517676784","type":"app_store_listing","authority":6,"observedAt":"2026-07-12","notes":["The US listing identified Varo Money, Inc. as seller and showed 4.9 from about 233,000 ratings at observation.","Ratings, reviews, version, compatibility, seller details and privacy labels are dynamic store snapshots.","The store page contained older savings-rate marketing than the current July 2026 Varo product page and is not used for rates, fees or a NeobankDB score."]},{"id":"SRC-VARO-GOOGLE","title":"Varo Bank Google Play listing","publisher":"Google Play","url":"https://play.google.com/store/apps/details?id=com.varomoney.bank","type":"app_store_listing","authority":6,"observedAt":"2026-07-12","notes":["The US listing identified Varo Bank, N.A. as developer and showed 4.5 from about 245,000 reviews and five million-plus downloads at observation.","The listing was updated 7 July 2026, but its content, ratings, counts, disclosures and availability can change.","Individual reviews and aggregate ratings do not establish reliability, dispute outcomes, support quality or a NeobankDB numerical score."]},{"id":"SRC-VARO-SUPPORT","title":"Varo support contact channels","publisher":"Varo Support","url":"https://support.varomoney.com/hc/en-us/articles/360000334946-Contact-Us","type":"official_support_guidance","authority":4,"observedAt":"2026-07-12","notes":["Varo lists 24/7 self-service chatbot and in-app live chat except federal holidays, plus specialised phone support from 7:00 AM to 8:30 PM ET daily except federal holidays.","Email support is scoped to listed cases and targets a response within two business days on weekdays.","Published channel hours do not prove response time, resolution quality or recovery outcomes; NeobankDB did not contact support."]},{"id":"SRC-MONZO-CURRENT-TERMS","title":"Monzo Current Account Terms and Conditions version 2.6","publisher":"Monzo Bank Limited","url":"https://monzo.com/legal/files/terms-and-conditions/monzo-terms-and-conditions-2.6.pdf","type":"official_legal","authority":2,"observedAt":"2026-07-12","notes":["The linked current terms identify a personal UK current account directly at Monzo Bank Limited, require UK residency and prohibit business use of that personal account.","The terms separate the main balance, Pots, cards, UK and international transfers, Direct Debits, cash, cheques, overdrafts, fees, screening, closures and app requirements.","The PDF still prints the former GBP 85,000 FSCS limit, so NeobankDB uses the newer December 2025 Monzo FSCS sheet and current FSCS source for the GBP 120,000 limit."]},{"id":"SRC-MONZO-PERSONAL-ACCOUNT","title":"Monzo personal current account","publisher":"Monzo Bank Limited","url":"https://monzo.com/current-account/personal","type":"official_product","authority":4,"observedAt":"2026-07-12","notes":["The current page lists a free UK current account, debit card, Pots, payment tools and separate paid-plan, savings, credit and investment options subject to their own terms.","It shows 2.75% AER variable for cited Instant Access savings and 3.25% for eligible Perks and Max customers; rates, products and eligibility can change.","The page reports App Store 4.9 and Google Play 4.8 as of 27 April 2026; those dated marketing snapshots are not reliability evidence or a NeobankDB score."]},{"id":"SRC-MONZO-PLANS","title":"Monzo personal account plans","publisher":"Monzo Bank Limited","url":"https://monzo.com/current-account/plans","type":"official_product_pricing","authority":3,"observedAt":"2026-07-12","notes":["The current comparison lists Free at GBP 0, Extra at GBP 3 monthly, Perks at GBP 7 monthly and Max from GBP 17 monthly; Max with Family costs an additional GBP 5 monthly.","Extra and Perks require age 18 or older; Max lists age 18 to 69 and a three-month minimum term, with product and benefit eligibility applying.","Savings rates, partner perks, insurance, breakdown cover, virtual cards, connected accounts and other plan benefits retain separate providers, conditions and change risk."]},{"id":"SRC-MONZO-PLAN-FEES","title":"Monzo Extra, Perks and Max fee information version 1.3","publisher":"Monzo Bank Limited","url":"https://monzo.com/legal/plans/fee-information/version-1-3","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-12","notes":["The 16 March 2026 fee record confirms Extra at GBP 3, Perks at GBP 7, Max at GBP 17 and Max with Family at GBP 22 per month.","The record lists no unarranged-overdraft fee, plan-specific overseas-cash allowances, a 3% excess-withdrawal charge, cash-deposit allowances and replacement-card charges.","International-transfer, arranged-overdraft, third-party, tax and other service costs can apply outside the headline monthly plan fee."]},{"id":"SRC-MONZO-FEES-ALLOWANCES","title":"Monzo fees and allowances","publisher":"Monzo Help","url":"https://monzo.com/help/account-and-profile/our-new-fees-and-allowances","type":"official_fee_guidance","authority":4,"observedAt":"2026-07-12","notes":["UK, EEA and non-EEA cash-withdrawal allowances vary by main-bank criteria and plan, with a 3% fee after the applicable rolling allowance.","Main-bank, replacement-card, cash-deposit, overseas-card-delivery and other fee criteria are conditional rather than universal fee waivers.","The exact current app and fee record should be checked before withdrawal, deposit, replacement or international use."]},{"id":"SRC-MONZO-BUSINESS-PLANS","title":"Monzo Business Lite, Pro and Team plans","publisher":"Monzo Bank Limited","url":"https://monzo.com/business-banking/plans-pricing","type":"official_business_product_pricing","authority":3,"observedAt":"2026-07-12","notes":["The business page lists Lite at no monthly fee, Pro at GBP 9 monthly and Team from GBP 25 monthly, with exact benefits confirmed during signup.","Only eligible UK sole traders or limited-company directors can apply; account, company, activity, team and product checks remain conditional.","Business current-account deposits, payment tools, accounting, cards, cash, international payments, credit and third-party services retain product- and plan-specific terms."]},{"id":"SRC-MONZO-SUPPORT","title":"Contacting Monzo support","publisher":"Monzo Help","url":"https://monzo.com/help/app-help/contacting-support","type":"official_support_guidance","authority":4,"observedAt":"2026-07-12","notes":["Monzo lists in-app chat as the primary channel plus phone and email for defined cases.","Urgent support is listed as available 24 hours daily, while non-urgent call or chat support is listed from 7:00 AM to 8:00 PM seven days a week.","Published availability does not prove response time, resolution quality, recovery outcome or independent reliability; NeobankDB did not contact support."]},{"id":"SRC-MONZO-US-CLOSURE","title":"Monzo US account closure support","publisher":"Monzo Help","url":"https://monzo.com/help/us-account-closure-support/us-account-closure-support","type":"official_market_exit_notice","authority":2,"observedAt":"2026-07-12","notes":["Monzo states that all US accounts closed on 8 June 2026; the former US product must not be presented as available or accepting deposits.","Remaining balances were returned by eligible linked-account transfer or check, and new incoming deposits or transfers are rejected and returned.","The historical Monzo Inc. and Sutton Bank partner-bank model does not describe the live UK Monzo Bank Limited account or create current US availability."]},{"id":"SRC-MONZO-GOOGLE","title":"Monzo Bank Google Play listing","publisher":"Google Play","url":"https://play.google.com/store/apps/details?id=co.uk.getmondo","type":"app_store_listing","authority":6,"observedAt":"2026-07-12","notes":["The listing showed 4.2 from about 178,000 reviews and more than 10 million downloads, with an update dated 9 July 2026, at observation.","Its rating differs from the older Google Play snapshot printed on Monzo's product page, demonstrating that store and marketing snapshots can diverge.","Ratings, reviews, counts, version, data-safety declarations and availability can change and do not establish account reliability or a NeobankDB score."]},{"id":"SRC-MONZO-FAQ-ELIGIBILITY","title":"Monzo frequently asked questions","publisher":"Monzo Bank Limited","url":"https://monzo.com/faq","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The current FAQ identifies Monzo Bank Limited, FRN 730427, as a UK bank and requires UK residence for the cited account.","The cited personal-account age floor is 16, while paid plans, credit, investments, business and other products can require age 18 or add further conditions.","Joint-account availability requires both people to hold personal Monzo current accounts and satisfy the cited feature and eligibility conditions."]},{"id":"SRC-N26-DE-AVAILABILITY","title":"N26 account availability by country","publisher":"N26 Support","url":"https://support.n26.com/en-eu/account-and-personal-details/opening-an-account/can-i-open-an-n26-account-in-my-country","type":"official_market_availability","authority":3,"observedAt":"2026-07-12","notes":["N26 lists Germany and other supported European residence countries for current account opening and does not list the United States.","Residence in a listed country is necessary but not sufficient; identity, device, account, creditworthiness and product conditions still apply.","Products and services vary by country, so German plan, savings, credit, crypto or investment facts are not treated as global."]},{"id":"SRC-N26-DE-OPENING","title":"Opening an N26 account","publisher":"N26 Support","url":"https://support.n26.com/en-eu/account-and-personal-details/opening-an-account/how-to-open-my-n26-account","type":"official_eligibility_guidance","authority":4,"observedAt":"2026-07-12","notes":["Applicants must be at least 18, live in a supported country, own a compatible smartphone, hold supported identity documents and complete identity verification in a supported language.","A customer cannot already hold a personal or business account under the cited flow; a Freelancer account requires a Personal account first.","Minimum-creditworthiness and automated-decision conditions can lead to a German N26 Flex offer instead of the selected account and do not create an approval guarantee."]},{"id":"SRC-N26-DE-ATM","title":"N26 cash withdrawal allowances and fees","publisher":"N26 Support","url":"https://support.n26.com/en-de/payments-transfers-and-withdrawals/withdrawals/how-often-can-i-withdraw-cash-for-free","type":"official_fee_guidance","authority":4,"observedAt":"2026-07-12","notes":["For German terms, Standard and Business list two, Smart three, Go five and Metal eight free euro ATM withdrawals monthly, followed by a EUR 2 charge per excess withdrawal.","Standard and Smart list a 1.7% non-euro withdrawal fee while Go and Metal list free non-euro withdrawals; ATM operator and other conditions can still apply.","CASH26, Maestro, Flex and non-German account terms use different availability, fee and allowance rules."]},{"id":"SRC-N26-PRODUCT-AVAILABILITY","title":"Why N26 products can be unavailable","publisher":"N26 Support","url":"https://support.n26.com/en-eu/app-and-features/app/why-are-some-products-and-services-unavailable-to-me","type":"official_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["N26 states that product availability can depend on country, supported identity documents, partner requirements and tax status.","Certain savings or investment products can be unavailable to customers taxable in the United States even when their main European account is available.","One app and bank relationship does not make every credit, savings, investment, crypto, insurance or partner product universally available."]},{"id":"SRC-N26-SUPPORT","title":"How to contact N26","publisher":"N26 Support","url":"https://support.n26.com/en-de/app-and-features/app/how-to-contact-n26","type":"official_support_guidance","authority":4,"observedAt":"2026-07-12","notes":["Secure logged-in chat is the primary support channel and is listed from 07:00 to 23:00 CET daily, including Sundays and bank holidays.","Phone support is limited to Premium plans under the cited page; visitor chat exists for login or access problems.","Published channels do not establish response time, resolution quality or reliability; NeobankDB did not contact support or test recovery."]},{"id":"SRC-N26-US-CLOSURE","title":"N26 United States account closure update","publisher":"N26","url":"https://n26.com/en-us","type":"official_market_exit_notice","authority":2,"observedAt":"2026-07-12","notes":["N26 states that it no longer offers accounts in the United States and that all former US accounts are closed.","Remaining account balances were issued by check and historic account information requires a support request; former customers cannot log in to retrieve it.","The historical N26 Inc. partner-bank account is not the live N26 Bank SE German account and does not create current US availability."]},{"id":"SRC-N26-US-EXIT-ANNOUNCEMENT","title":"N26 announcement on leaving the United States","publisher":"N26","url":"https://n26.com/en-eu/blog/leaving-the-us-why-and-what-it-means-for-n26","type":"official_market_exit_announcement","authority":3,"observedAt":"2026-07-12","notes":["N26 announced on 18 November 2021 that it would cease US operations and focus on European core markets.","The announcement is historical context; the current closure page is the source for the present all-accounts-closed state.","Past customer totals or launch claims do not establish present availability, service quality or a future return date."]},{"id":"SRC-N26-GOOGLE","title":"N26 Google Play listing","publisher":"Google Play","url":"https://play.google.com/store/apps/details?id=de.number26.android","type":"app_store_listing","authority":6,"observedAt":"2026-07-12","notes":["The listing showed 3.9 from about 160,000 reviews and more than 10 million downloads, with an update dated 27 June 2026, at observation.","The listing mixes bank, savings, credit, investment, crypto, business and travel descriptions whose availability remains country- and product-specific.","Ratings, reviews, counts, version, data-safety declarations and availability can change and do not establish reliability or a NeobankDB score."]},{"id":"SRC-DNB-BUNQ-BANK-REGISTER","title":"DNB register detail for bunq B.V.","publisher":"De Nederlandsche Bank","url":"https://www.dnb.nl/en/public-register/information-detail/?registerCode=WFTDG&relationNumber=R127999","type":"regulator_register","authority":1,"observedAt":"2026-07-12","notes":["DNB identifies bunq B.V. as a Dutch bank with statutory seat in Amsterdam and lists bunq B.V., bunq.com and bunq as trade names of the same institution.","The register includes acceptance of deposits, lending, payment services, means of payment, foreign exchange, securities-related and electronic-money activities under bunq B.V.'s record.","A regulated activity in the register does not make every product available to every market, customer or plan and does not convert stocks or crypto into deposits."]},{"id":"SRC-BUNQ-EEA-ELIGIBILITY","title":"bunq EEA residence and tax-residency eligibility","publisher":"bunq Help Center","url":"https://help.bunq.com/en/articles/why-do-i-need-to-fill-in-a-taxpayer-identification-number-tin","type":"official_eligibility_guidance","authority":4,"observedAt":"2026-07-12","notes":["bunq states that customers must reside in a supported EEA country and have EEA tax residency rather than merely visiting Europe or holding an EEA address.","The cited page says non-EEA tax residency, including United States or United Kingdom tax residency, does not currently satisfy account-opening eligibility.","Residence, tax identification, identity, phone, verification, acceptance and product conditions remain separate gates."]},{"id":"SRC-BUNQ-BUSINESS-ELIGIBILITY","title":"bunq personal-account gate for business accounts","publisher":"bunq Help Center","url":"https://help.bunq.com/articles/why-do-you-need-a-personal-account-with-your-business-account","type":"official_business_eligibility_guidance","authority":4,"observedAt":"2026-07-12","notes":["A verified bunq Personal account is required to open and access a Business account, and each additional director needs a separate verified Personal account.","bunq says one person can create only one Personal account; the Personal plan can be switched to bunq Free when it is not otherwise used.","A Personal-account login requirement does not merge personal and business ownership, fees, eligibility, cards, transactions or protection calculations."]},{"id":"SRC-BUNQ-CASH-LIMITS","title":"bunq card, cash-deposit and cash-withdrawal limits","publisher":"bunq Help Center","url":"https://help.bunq.com/en/articles/what-are-my-daily-card-cash-deposits-and-withdrawals-limits","type":"official_limit_guidance","authority":4,"observedAt":"2026-07-12","notes":["The cited limits page lists Paysafe and Barzahlen cash-deposit methods with method-specific minimums, maximums and monthly limits and makes clear that availability is not equivalent to a branch cash desk.","Personal cash-withdrawal technical limits depend on account-verification age, while ATM operators can impose separate fees and limits.","Card payments, top-ups, cash deposits, cash withdrawals and contactless payments each use separate limits that can change by account age, customer type, market or terminal."]},{"id":"SRC-BUNQ-SUPPORT","title":"Contacting bunq support and SOS channels","publisher":"bunq Help Center","url":"https://help.bunq.com/articles/how-do-i-contact-support","type":"official_support_guidance","authority":4,"observedAt":"2026-07-12","notes":["bunq lists in-app and web support plus support@bunq.com, while the encrypted in-app channel is the recommended ordinary route.","An automated emergency line can freeze a card or account, and Core, Pro and Elite users can access a 24/7 in-app SOS hotline to a bunq employee under the cited terms.","Published channels and response targets do not establish support quality, resolution, recovery or reliability; NeobankDB did not contact support."]},{"id":"SRC-BUNQ-SAVINGS-RATES-DE","title":"bunq MassInterest rates for Germany","publisher":"bunq Help Center","url":"https://help.bunq.com/de-de/articles/what-massinterest-rate-applies-to-me","type":"official_savings_rate_guidance","authority":4,"observedAt":"2026-07-12","notes":["The German guidance states that the variable EUR personal base rate is 1.51% and the variable bonus rate rose to 3.01% on 1 July 2026.","The bonus treatment depends on a twice-yearly threshold based on the customer's highest savings balance in the prior six-month window; it is not a universal rate on every euro.","Foreign-currency savings, business accounts, new customers, joint savings, limits, withdrawals and future rate changes retain separate conditions."]},{"id":"SRC-BUNQ-STOCKS","title":"bunq Stocks product and fee guidance","publisher":"bunq","url":"https://www.bunq.com/en-de/personal-account/banking-features/stocks","type":"official_investment_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["The cited German-market page lists stocks and ETFs from EUR 10, a three-month zero-trading-fee promotion up to stated conditions and a 0.99% fee per trade afterwards.","Pro and Elite receive plan-specific fee discounts; the feature, promotion, instrument, partner, tax and customer eligibility can change.","Stocks and ETFs are investments with capital-loss risk, not bunq bank deposits protected against market losses by the Dutch DGS."]},{"id":"SRC-BUNQ-CRYPTO","title":"bunq Crypto product, partner and fee FAQ","publisher":"bunq Help Center","url":"https://help.bunq.com/articles/crypto-faq","type":"official_crypto_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["bunq Crypto allows eligible customers to buy, sell and swap supported crypto from euro Bank Accounts through Kraken after the required verification.","The cited plan-dependent service fees are 1.99% for Free, 0.99% for Core, 0.49% for Pro and 0.25% for Elite, with spread and price movement remaining separate.","Kraken stores the crypto under the cited arrangement; crypto carries asset risk and is not a bunq deposit or Dutch DGS-protected investment return."]},{"id":"SRC-BUNQ-INSTANT-PAYMENTS","title":"bunq instant-payment support and conditions","publisher":"bunq Help Center","url":"https://help.bunq.com/articles/does-bunq-support-instant-payments","type":"official_payment_rail_guidance","authority":4,"observedAt":"2026-07-12","notes":["bunq states that it participates in TIPS and RT1 and attempts instant transfers with participating banks, including at weekends.","Receiving-bank setup, system mismatch, fraud controls or compliance checks can cause a payment to use regular SEPA Credit Transfer instead.","Personal plans list instant transfers without an additional transaction charge; Business free-transaction allowances and the cited EUR 0.13 excess fee are plan-specific."]},{"id":"SRC-BUNQ-GOOGLE","title":"bunq Google Play listing","publisher":"Google Play","url":"https://play.google.com/store/apps/details?id=com.bunq.android","type":"app_store_listing","authority":6,"observedAt":"2026-07-12","notes":["The listing showed 3.7 from roughly 37,000 reviews and more than 5 million downloads, with an update dated 20 June 2026, at observation.","The listing combines plan, account, card, savings, stock, crypto, business, travel and support claims whose exact availability remains market- and product-specific.","Ratings, reviews, counts, version, data-safety declarations and availability can change and do not establish reliability or a NeobankDB score."]},{"id":"SRC-MERCURY-US-LEGAL","title":"Mercury legal and banking-provider disclosures","publisher":"Mercury","url":"https://mercury.com/legal","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["Mercury identifies Mercury Technologies, Inc. as a fintech company rather than an FDIC-insured bank.","Business banking services are provided through Choice Financial Group and Column N.A., both Members FDIC; the exact provider account and agreement remain customer-specific.","Mercury Treasury and Mercury Invest are separate Mercury Advisory, LLC investment-advisory products and are not bank deposits."]},{"id":"SRC-MERCURY-US-BUSINESS","title":"Mercury business checking and savings","publisher":"Mercury","url":"https://mercury.com/business-banking","type":"official_product","authority":4,"observedAt":"2026-07-13","notes":["Mercury describes free business checking and savings, virtual and physical cards, ACH, wires, checks, invoicing, bill pay, permissions and accounting integrations.","The page advertises potential FDIC coverage up to USD 5 million through partner banks and sweep networks, subject to programme, ownership, recordkeeping and same-bank aggregation conditions.","Its FAQ names Choice Financial Group, Column N.A. and Evolve Bank & Trust, while current legal and business-disclosure summaries emphasize Choice and Column; the customer statement and governing agreement remain controlling."]},{"id":"SRC-MERCURY-US-ELIGIBILITY","title":"Mercury business account eligibility","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/28770467511060-Eligibility-and-requirements-for-opening-a-Mercury-account","type":"official_eligibility_guidance","authority":4,"observedAt":"2026-07-13","notes":["A business must be formed and registered in the United States or a US territory and provide legal, operating, source-of-funds, ownership and controller information.","International founders can apply for an eligible US-registered business, but principal-address, prohibited-country, industry, entity and verification restrictions apply.","Mercury and its banking providers retain approval discretion; submitted documents and general eligibility do not guarantee account opening or every product."]},{"id":"SRC-MERCURY-US-PRICING","title":"Mercury business pricing plans","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/28769703794580-Mercury-pricing-plans","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["Mercury states that core business banking has no monthly, overdraft or minimum-balance fee and no Mercury fee for domestic wires, ACH or checks.","Plus, Pro and Enterprise subscription services add advanced workflow and support features under separate monthly or annual pricing.","International currency conversion, premium processing, API mass payments, Treasury, cards, third parties and other optional actions can carry separate fees."]},{"id":"SRC-MERCURY-US-SWEEP","title":"Mercury Choice sweep programme agreement","publisher":"Choice Financial Group and Mercury","url":"https://mercury.com/legal/choice/sweep-program-deposit-placement-and-custodial-agreement","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["Eligible funds can be placed from a core bank into deposit accounts at programme banks on the customer-specific bank list.","Coverage depends on beneficial ownership, account titling, records, programme limits, same-bank deposits held elsewhere and the FDIC determination at bank failure.","A multi-bank sweep can expand potential coverage but does not create USD 5 million of insurance at one bank or protect balances above applicable programme and bank limits."]},{"id":"SRC-MERCURY-US-PAYMENTS","title":"Mercury business payment methods","publisher":"Mercury","url":"https://mercury.com/business-payments","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Mercury lists ACH, domestic and international wires, checks, bill pay, invoicing and accounting connections for eligible business accounts.","The current page lists USD 0 for ACH, domestic wires, mailed checks and USD international wires, while supported non-USD international wires use a stated one-percent currency conversion fee.","Displayed timing ranges remain provider-stated estimates; recipient, rail, currency, intermediary, premium-processing, limit, compliance and third-party conditions can change cost or arrival."]},{"id":"SRC-MERCURY-US-IO","title":"Mercury IO qualification and card terms","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/28768794858772-Qualifying-for-IO","type":"official_credit_product_guidance","authority":3,"observedAt":"2026-07-13","notes":["IO is a cash-underwritten business charge card whose balance cannot exceed eligible cash held with Mercury; Patriot Bank, N.A. issues the cited card.","Introductory daily repayment and higher-limit monthly or daily repayment paths depend on balance, account history, underwriting and in-product qualification.","The cited one-and-a-half-percent cashback applies to eligible settled purchases while approval, limit, repayment, card, fee and good-standing conditions remain separate."]},{"id":"SRC-MERCURY-US-TREASURY","title":"Mercury Treasury eligibility","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/41673479637908-Qualifying-for-a-Treasury-account","type":"official_investment_eligibility_guidance","authority":4,"observedAt":"2026-07-13","notes":["Treasury requires an approved Mercury business account, at least USD 250,000 in total deposits, supported physical location and an eligible entity type.","Mercury Treasury is offered by Mercury Advisory, LLC through an investment and brokerage structure, not by the business deposit-account banking providers.","Treasury securities can lose value, are not FDIC-insured bank deposits and use separate advisory, brokerage, yield and fee terms."]},{"id":"SRC-MERCURY-US-PARTNER-MIGRATION","title":"Switching Mercury partner banks","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/31577686813076-Switching-Mercury-partner-banks","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["Mercury says checking and savings accounts are provided through Choice Financial Group and Column N.A., while switching partner banks opens new provider accounts and transfers activity.","A migration requires new bank terms and can change routing details, account status and programme-bank placement; old accounts can be disabled.","Mercury's business page also mentions Evolve Bank & Trust, so the exact current provider must be read from the customer's statement and governing agreement."]},{"id":"SRC-MERCURY-US-DISCLOSURES","title":"Mercury for Business disclosures","publisher":"Mercury","url":"https://mercury.com/legal/disclosures/business-banking","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["Mercury states that it is a fintech company rather than an FDIC-insured bank and identifies Choice Financial Group and Column N.A. as banking providers.","Mercury debit cards are issued by Choice or Column, while the IO charge card is issued by Patriot Bank, N.A.; these card roles do not reclassify Mercury.","Non-USD international wires have a stated one-percent currency-exchange fee and non-USD debit or IO card transactions can have a currency-exchange fee up to three percent."]},{"id":"SRC-MERCURY-US-PRICING-PAGE","title":"Mercury public pricing comparison","publisher":"Mercury","url":"https://mercury.com/pricing","type":"official_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The current pricing page lists the core Mercury tier at USD 0 per month and presents Plus and Pro as optional workflow subscriptions.","The observed annual-pricing view displays a fifteen-percent discount with Plus at USD 29.90 per month and Pro at USD 299 per month; monthly cadence and Enterprise custom pricing remain separate.","Plan features, ACH-debit transaction charges, reimbursement-user allowances, overages, taxes and optional products remain tier- and action-specific."]},{"id":"SRC-MERCURY-US-CARDS","title":"Create Mercury debit and IO cards","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/43480538074260-Create-debit-and-credit-cards","type":"official_card_guidance","authority":4,"observedAt":"2026-07-13","notes":["Eligible funded accounts can create virtual or physical debit cards tied to a checking account with card-level controls.","IO remains a separately underwritten cash-underwritten charge card with its own limit, repayment, cashback and issuer conditions.","Mercury debit cards are issued by Choice Financial Group or Column N.A.; IO is issued by Patriot Bank, N.A."]},{"id":"SRC-MERCURY-US-ATM","title":"Mercury debit-card ATM use and cash-deposit boundary","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/28778896984596-Using-your-Mercury-debit-card-at-ATMs","type":"official_cash_access_guidance","authority":4,"observedAt":"2026-07-13","notes":["The current page lists up to USD 1,000 per physical debit card per business day and a USD 3,000 business-wide daily ATM cap.","Mercury does not support cash deposits through its partner-bank branches; checks, ACH transfers and wires are listed as funding alternatives.","ATM-operator charges, non-USD conversion, Mastercard-network, chip, card-type, dispute and customer-specific limit conditions remain separate."]},{"id":"SRC-MERCURY-US-CARD-LIMITS","title":"Mercury card-limit controls","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/28779320476308-Changing-card-limits","type":"official_limit_guidance","authority":4,"observedAt":"2026-07-13","notes":["Admins or users with card-limit permission can set daily, weekly, monthly, permanent or temporary debit-card limits.","The page repeats a USD 1,000 per-card business-day ATM ceiling and USD 3,000 business-wide daily ceiling, with business-day reset conditions.","Recurring charges, force posts and preauthorisations can behave differently from a simple card-limit block and require transaction-specific review."]},{"id":"SRC-MERCURY-US-PAYMENT-LIMITS","title":"Requesting higher Mercury payment limits","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/30468006950164-Requesting-higher-payment-limits","type":"official_limit_guidance","authority":4,"observedAt":"2026-07-13","notes":["Mercury assigns customer-specific ACH, wire and check-deposit limits rather than publishing one universal business limit.","An eligible web-dashboard flow can request a temporary increase with transaction context and supporting documents.","The provider states a typical one-to-two-business-day review response, which is not approval or payment-completion timing."]},{"id":"SRC-MERCURY-US-SUPPORT","title":"Contacting Mercury Support","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/31501481890708-Contacting-our-Support-Team","type":"official_support_guidance","authority":5,"observedAt":"2026-07-13","notes":["Signed-in customers can message support from the web or mobile dashboard; people without access can use the public contact flow or help@mercury.com.","Mercury states that messaging is available around the clock and typically receives a response within five minutes.","NeobankDB has not independently tested support availability, response time, resolution quality or escalation outcomes."]},{"id":"SRC-MERCURY-US-IO-ONLY","title":"Mercury IO without a Mercury deposit account","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/44279923157780-Using-IO-without-a-Mercury-account","type":"official_credit_product_guidance","authority":4,"observedAt":"2026-07-13","notes":["An IO-only path is described as an invitation-only closed beta that does not require opening a Mercury deposit account.","It requires a supported external business account connection for underwriting data, autopay and cashback, with at least one primary connection maintained.","The IO-only limit, monthly repayment, Plaid connection, cashback, non-USD fee, eligibility and credit-reporting conditions remain separate from the standard deposit-linked IO path."]},{"id":"SRC-MERCURY-US-DISPUTES","title":"Disputing Mercury transactions","publisher":"Mercury Support","url":"https://support.mercury.com/hc/en-us/articles/30493861239572-Disputing-transactions","type":"official_dispute_guidance","authority":4,"observedAt":"2026-07-13","notes":["Settled debit-card, IO-card and eligible ACH-pull transactions can use the cited self-service dispute flow; pending, failed, internal-transfer and wire states use different paths.","Merchant disputes can take up to ninety days under the provider's description and filing does not guarantee recovery.","Freezing or replacing a card, evidence, reporting window, transaction type and investigator communication remain case-specific."]},{"id":"SRC-PAYONEER-RECIPIENT-BANK-PAYMENT","title":"Send or schedule a Payoneer payment to a recipient bank account","publisher":"Payoneer","url":"https://www.payoneer.com/resources/how-to-use-payoneer/how-to-send-or-schedule-payments-to-your-recipients-bank-account/","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-12","notes":["Eligible Payoneer users can select Pay to a recipient's bank account, choose a balance, add bank details, amount, reference and description, then review an immediate or scheduled business payment.","A first recipient bank instruction is reviewed and sent for bank approval; a confirmation screen and transaction ID do not guarantee final receiving-provider credit.","The feature is described for contractors, suppliers and employees and does not establish unrestricted personal transfers or pair-specific Wise acceptance."]},{"id":"SRC-PAYONEER-PAYMENT-TRACKING","title":"Confirm and trace a Payoneer payment","publisher":"Payoneer","url":"https://www.payoneer.com/resources/general-payments/payment-confirmation-tracking/","type":"official_operational_guidance","authority":5,"observedAt":"2026-07-12","notes":["Payoneer tells users to check transaction status and collect transaction ID, date, amount, reference and proof of transfer when a recipient bank payment is delayed.","Incorrect recipient details, compliance review, holidays and intermediary banks can delay a payment, while a completed sender status does not replace recipient-side confirmation.","The recipient should check its own payment provider and the sender should contact Payoneer for an unresolved trace; the guidance does not guarantee recovery or timing."]},{"id":"SRC-WISE-RECEIVE-ACCOUNT-DETAILS","title":"Receive money to Wise account details","publisher":"Wise Help Centre","url":"https://wise.com/help/articles/2898124/how-do-i-receive-money-to-my-wise-account-details","type":"official_receiving_guidance","authority":4,"observedAt":"2026-07-12","notes":["Eligible Wise users can share currency-specific account details with a person or business that sends a bank transfer; received funds are credited to the relevant Wise balance.","Domestic account details and international Swift details use different fields, rails, fees and supported currencies, and account-detail eligibility varies by residence and verification.","Wise account details provide a receiving route but are not described as a customer-owned bank account and do not certify every named sending platform."]},{"id":"SRC-WISE-USD-ACCOUNT-DETAILS","title":"Receive money with Wise USD account details","publisher":"Wise Help Centre","url":"https://wise.com/help/articles/2827506/how-do-i-receive-money-with-my-usd-account-details","type":"official_receiving_guidance","authority":4,"observedAt":"2026-07-12","notes":["Eligible USD account details can receive US-origin ACH and domestic wire payments or qualifying outside-US Swift payments, but only USD can be credited to these details.","Wise lists no receiving fee for ordinary US ACH and USD 6.11 for domestic wire or Swift receipt, while sender, correspondent and other method fees remain separate.","The account-holder name, correct ACH or wire routing number, account number, account type and displayed partner-bank details must match the chosen rail; wrong details or currency can trigger rejection and return."]},{"id":"SRC-WISE-RECEIVING-TIMES","title":"Wise account-detail receiving times and trace steps","publisher":"Wise Help Centre","url":"https://wise.com/help/articles/2978029/how-long-does-it-take-to-receive-money-into-my-wise-account","type":"official_timing_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise lists US ACH as usually within hours and up to four working days, domestic wire as usually within minutes and up to one working day, and USD Swift as usually one and sometimes up to six working days.","Currency, payment method, weekends, holidays, intermediary banks and review can change arrival time, so the route has no guaranteed end-to-end completion time.","After the estimate passes, Wise advises checking sender details, obtaining proof of payment and using its document uploader; the sender may need to start a trace or recall."]},{"id":"SRC-WISE-PARTNER-BANK-DETAILS","title":"How Wise account details use partner banks","publisher":"Wise Help Centre","url":"https://wise.com/help/articles/31JKZjRRkfpSsDd0lE3X0T/how-our-account-details-use-partner-banks","type":"official_legal_product_guidance","authority":4,"observedAt":"2026-07-12","notes":["Wise can display a partner bank's name and details for supported receiving currencies and domestic or Swift methods.","The sender must use the account and partner-bank details displayed in the recipient's current Wise account rather than assuming Wise itself is the bank name.","Although a partner bank processes the receiving details, the customer's account remains with Wise and support questions should start with Wise."]},{"id":"SRC-COINBASE-PAYPAL-FAQ","title":"Coinbase PayPal payment-method FAQ","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/getting-started/add-a-payment-method/paypal-faq","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase lists PayPal for US crypto purchases, adding USD cash and cashing out USD, but lists no separate US PayPal Sell action; its current table separately lists cash-out or sell availability for the EU, UK, Canada and Australia.","The PayPal and Coinbase country and legal name must match, one PayPal account can link to one Coinbase account, and an email mismatch can require Coinbase two-step verification.","Supported funding can include PayPal balance, a linked bank account or an eligible debit card; prepaid cards, business cards, credit cards, PayPal Credit and buy-now-pay-later are not supported for the cited Coinbase flow.","Limits, availability, fraud-prevention withdrawal holds, declines, refunds and manual completion remain account- and transaction-specific."]},{"id":"SRC-COINBASE-US-ACCOUNT-LIMITS","title":"Coinbase account limits","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/buying-selling-or-converting-crypto/limits-and-account-levels","type":"official_limit_guidance","authority":4,"observedAt":"2026-07-12","notes":["Purchase and deposit limits vary by location, payment method, account activity and trading history and are displayed per payment type in the customer's account.","All buy attempts, successful or not, apply to the daily buy limit until its scheduled refresh; canceled transactions do not necessarily restore capacity immediately.","US cash out requires a positive available balance and the applicable cash-out method can carry its own customer-specific limit."]},{"id":"SRC-COINBASE-US-AVAILABLE-BALANCE","title":"Understand your Coinbase available balance","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/available-balance-faq","type":"official_balance_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase defines available balance as the amount currently transferable or cash-out eligible, which can differ from total account value or trading availability.","Hold periods can depend on account history, payment activity and transaction history and may be extended for disputes or account-safety controls; Coinbase support cannot simply shorten the displayed hold.","Customers should inspect the balance summary, transaction flow and confirmation notice for the current transferable amount and availability date rather than relying on a generic estimate."]},{"id":"SRC-REVOLUT-UK-CRYPTO-TERMS","title":"Revolut UK cryptocurrency terms","publisher":"Revolut","url":"https://www.revolut.com/en-GB/legal/cryptocurrency-terms/","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["The UK cryptocurrency agreement is with Revolut Ltd and covers buying, selling, depositing, withdrawing, holding and transferring cryptoassets under product and geographic conditions.","Revolut Ltd is registered with the FCA for specified cryptoasset activity, but the cryptoassets are not protected by FSCS or Lithuanian deposit insurance and can lose their full value.","The crypto agreement remains separate from the Revolut payment-account entity and terms; crypto availability, assets, limits, fees, custody and external transfers retain separate conditions."]},{"id":"SRC-REVOLUT-UK-CRYPTO-WITHDRAW","title":"Send Revolut crypto to an external address","publisher":"Revolut Help Centre","url":"https://help.revolut.com/help/wealth/cryptocurrencies/transferring-cryptocurrencies/withdrawing-cryptocurrencies/how-do-i-send-crypto-to-an-external-wallet/","type":"official_crypto_transfer_guidance","authority":4,"observedAt":"2026-07-13","notes":["Eligible UK personal customers can withdraw supported crypto to an external wallet or exchange using a supported blockchain network and a newly added or saved compatible address.","The customer must verify the receiving address and network; Revolut recommends a small test and says an on-chain send cannot be canceled or reversed after confirmation.","Withdrawal limits, fees, wallet review, asset support, network support, compliance checks and in-app approval remain transaction-specific."]},{"id":"SRC-REVOLUT-UK-CRYPTO-PROVIDER","title":"Who provides Revolut crypto services in the UK","publisher":"Revolut Help Centre","url":"https://help.revolut.com/help/wealth/cryptocurrencies/understanding-revolut-cryptocurrency/crypto-safety/who-provides-revolut-s-crypto-services/","type":"official_legal_product_guidance","authority":3,"observedAt":"2026-07-13","notes":["Revolut states that UK crypto services are provided by Revolut Ltd, FCA firm reference 900562, under the cited money-laundering registration.","Crypto transaction funds are not safeguarded like fiat e-money and crypto holdings are not covered by FSCS.","The registration and provider identity do not guarantee asset value, external-wallet acceptance, transaction completion or recovery."]},{"id":"SRC-REVOLUT-UK-CRYPTO-TRAVEL-RULE","title":"Revolut crypto withdrawal recipient information","publisher":"Revolut Help Centre","url":"https://help.revolut.com/help/wealth/cryptocurrencies/understanding-revolut-cryptocurrency/travel-rule/what-s-the-travel-rule/","type":"official_compliance_guidance","authority":4,"observedAt":"2026-07-13","notes":["Revolut requires sender and recipient information for crypto withdrawals under its cited Travel Rule process, including recipient name and transaction hash, with sender address requested above the stated threshold.","The customer must identify the destination wallet owner or exchange truthfully; compliance collection is not proof that the destination will accept the asset or network.","Additional information and review can delay or prevent a withdrawal without changing the irreversible on-chain boundary after broadcast."]},{"id":"SRC-COINBASE-UK-AGREEMENT","title":"Coinbase user agreement for UK customers","publisher":"Coinbase","url":"https://www.coinbase.com/legal/user_agreement/uk","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["The agreement updated 8 June 2026 covers UK customers and identifies CB Payments Ltd as the e-money and digital-asset service counterparty under the cited FCA permissions.","Eligibility, service access, digital assets, transfer limits, holds and refusals remain conditional on location, verification, payment method and other account factors.","Coinbase e-money and digital assets are separate products; the agreement does not make Coinbase a bank or extend FSCS protection to cryptoassets."]},{"id":"SRC-COINBASE-UK-RECEIVE-CRYPTO","title":"Receive crypto into Coinbase in the UK","publisher":"Coinbase Help","url":"https://help.coinbase.com/en-gb/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/steps-to-receive-crypto","type":"official_crypto_transfer_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase UK customers can receive supported crypto from another exchange by copying the current asset- and network-specific receive address and any required destination tag or memo.","The sender must use a Coinbase-supported asset and matching network; an incorrect network can cause permanent loss that Coinbase cannot retrieve.","Account limitations, identity or two-step verification, confirmations and deposit processing can still delay or prevent credit."]},{"id":"SRC-COINBASE-UK-PAYMENT-METHODS","title":"Coinbase payment methods for UK customers","publisher":"Coinbase Help","url":"https://help.coinbase.com/en-gb/coinbase/getting-started/add-a-payment-method/add-and-verify-pm-emea","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase lists separate UK capabilities for 3-D Secure cards, Easy Bank Transfer, Faster Payments, PayPal, SEPA, Apple Pay and Google Pay across buy, add-cash and cash-out actions.","The generic method table does not certify Revolut as an accepted bank or card for every Coinbase customer; ownership, issuer, action, eligibility, fee, hold and live authorization remain separate.","Published settlement times are estimates for the named method and do not describe an on-chain crypto withdrawal from Revolut."]},{"id":"SRC-AIRWALLEX-US-TRANSFERS","title":"Airwallex United States business transfers","publisher":"Airwallex","url":"https://www.airwallex.com/en-us/business-account/transfers","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex describes business payouts to suppliers and employees in more than 200 countries and local-rail payouts in more than 120 countries, with recipient, customer and corridor conditions.","The page lists local transfers as typically free and SWIFT transfers at USD 15 to USD 25, while FX, plan, correspondent, receiving and other charges remain separate.","Airwallex says most transfers arrive the same day and many instantly, but method, currency, business hours, review and recipient-bank processing control the actual result."]},{"id":"SRC-AIRWALLEX-US-PAYOUT-RAILS","title":"Airwallex United States bank-account payout network","publisher":"Airwallex Docs","url":"https://www.airwallex.com/docs/payouts/payout-network/bank-accounts/united-states","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex documents USD local payouts to United States bank accounts over ACH, Next Day ACH, FedNow and Fedwire, plus separate paper-check and SWIFT methods.","US ACH and Fedwire recipient records require the account-holder name, account number, a method-appropriate nine-digit ABA routing number, USD currency and US bank-country code.","Published flight times are zero to two business days for ACH, zero to one for Fedwire and zero to three for SWIFT, subject to method, limit, customer, bank and compliance conditions."]},{"id":"SRC-AIRWALLEX-RECIPIENTS","title":"Add and manage Airwallex transfer recipients","publisher":"Airwallex Help Centre","url":"https://help.airwallex.com/hc/en-gb/articles/900001759483-How-do-I-add-update-and-delete-recipients","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex lets eligible users create a business or individual recipient under Transfers and enter location-, currency- and method-specific bank details.","Local and SWIFT choices depend on the destination and currency, and Airwallex can request additional beneficiary information or reject fields that fail the applicable validation rules.","Saving a recipient record does not certify Wise as a universally supported destination or guarantee that a later transfer passes review and receiving-provider checks."]},{"id":"SRC-AIRWALLEX-TRANSFER-TIMING","title":"Airwallex transfer timing and processing","publisher":"Airwallex Help Centre","url":"https://help.airwallex.com/hc/en-gb/articles/4411823703833-How-long-should-it-take-for-my-recipient-to-receive-their-funds","type":"official_timing_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex says most transfer methods have an estimated flight time from zero to three business days, displayed during transfer creation for the selected recipient, method and date.","Bank holidays, inaccurate account information and requests for supporting documents can delay the transfer beyond the initial estimate.","Customers should use the live estimate and contact Airwallex after the relevant window rather than applying one generic arrival time to every rail."]},{"id":"SRC-AIRWALLEX-TRANSFER-FAILURES","title":"Airwallex bank-transfer failures","publisher":"Airwallex Help Centre","url":"https://help.airwallex.com/hc/en-gb/articles/5489891080463-Why-did-my-bank-transfer-fail","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex lists invalid recipient name, account number, routing number, SWIFT code, currency, correspondent information or unsupported account type among possible bank-transfer failure reasons.","A failed transfer is cancelled and refunded after cancellation, while a recipient bank can separately return a payment and the customer may need to create a corrected new transfer.","A return or refund can have separate timing and FX consequences and should be confirmed before any retry."]},{"id":"SRC-AIRWALLEX-TRANSFER-RECALL","title":"Correcting or recalling an Airwallex transfer","publisher":"Airwallex Help Centre","url":"https://help.airwallex.com/hc/en-gb/articles/7394332315407-I-made-a-mistake-with-my-transfer","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["Incorrect bank details can cause a transfer to fail and return, after which Airwallex updates the status and can return available funds to the wallet.","A sent transfer recall depends on the banking partner and recipient bank, can incur a partner fee, is not guaranteed and can take four to six weeks or longer.","Underlying conversion can create an FX difference and a deducted transfer fee can remain non-refundable, so a completed or sent status must not trigger an unverified duplicate payment."]},{"id":"SRC-AIRWALLEX-PAYOUTS-OVERVIEW","title":"Airwallex payouts overview","publisher":"Airwallex Docs","url":"https://www.airwallex.com/docs/payouts/overview","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex separates payouts to external bank accounts from instant payouts to other Airwallex accounts and documents wallet-funded and Linked-Account-funded bank payouts as distinct solutions.","External bank-account payouts can use local or SWIFT methods, while the beneficiary details, funding source, market and integration determine the available flow.","The overview does not make a card purchase, Global Account collection or direct-debit deposit equivalent to an outgoing bank payout."]},{"id":"SRC-AIRWALLEX-CREATE-TRANSFER","title":"Create an Airwallex transfer","publisher":"Airwallex Docs","url":"https://www.airwallex.com/docs/payouts/transfers/create-a-transfer","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex documents transfers to suppliers, employees, contractors and the customer's own bank accounts, with a BANK_ACCOUNT beneficiary type for an external bank destination.","Transfer creation requires a supported payout corridor and truthful beneficiary, purpose, currency and method data; own-account movement is an explicit purpose rather than an ownership bypass.","API terminology changed from Payment to Transfer for the cited version, so old labels should not be treated as a second product or a different settlement state."]},{"id":"SRC-COINBASE-US-CASH-OUT","title":"Cash out an available Coinbase balance","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/buying-selling-or-converting-crypto/cash-out-funds","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase retail customers can withdraw only cash shown in the available balance through a destination offered in the live Withdraw Cash flow.","The customer chooses the withdrawal currency and destination, previews the details and fees, then confirms; transfer-protection settings and account state can still restrict the action.","If no cash is available, crypto or eligible securities must be sold into a cash balance first; portfolio value is not itself a bank-withdrawable balance."]},{"id":"SRC-COINBASE-US-SELL-CASH","title":"Sell Coinbase crypto for a cash balance","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/buying-selling-or-converting-crypto/how-do-i-sell-or-cash-out-my-digital-currency","type":"official_trading_guidance","authority":4,"observedAt":"2026-07-12","notes":["Eligible Coinbase customers can sell supported crypto into a local-currency cash balance or another balance shown in the live order flow.","A completed sale credits the selected Coinbase balance; it does not by itself send money to a bank account or prove that every amount is immediately cash-out eligible.","Asset support, order price, spread, fee, tax consequence, account eligibility and final quote remain transaction-specific."]},{"id":"SRC-COINBASE-US-CASH-OUT-TIMING","title":"Coinbase sell and cash-out processing time","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/buying-selling-or-converting-crypto/how-long-does-a-sell-or-withdrawal-take-to-complete","type":"official_timing_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase says a completed crypto sale to the cash balance is generally immediate, minus funds subject to a hold.","Cash-out timing depends on the selected payment method and the estimated completion date shown before confirmation.","Business-day processing, initiation time, weekends, holidays, bank handling, review and holds prevent one guaranteed end-to-end arrival time."]},{"id":"SRC-COINBASE-EXCHANGE-ACH-WITHDRAW","title":"Coinbase Exchange USD ACH withdrawals","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/exchange/funding/withdrawing-with-ach","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase Exchange documents ACH withdrawals for US clients to a previously verified bank account selected from the Exchange banking tab.","The cited Exchange schedule lists no Coinbase ACH withdrawal fee and a typical three-to-five-business-day window that can span seven to ten calendar days around weekends and holidays.","These Exchange-specific fields, fee and timing must not be universalised to every Coinbase retail cash-out screen or recipient bank."]},{"id":"SRC-COINBASE-EXCHANGE-FEDWIRE-WITHDRAW","title":"Coinbase Exchange USD Fedwire withdrawals","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/exchange/funding/withdrawing-with-fedwire","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase Exchange documents USD Fedwire withdrawal to a bank account verified by a successful prior Fedwire deposit.","The cited Exchange schedule lists a USD 25 withdrawal fee, a typical one-to-three-business-day window and a 1:00 PM Pacific same-day processing cutoff, with weekends and holidays able to delay processing.","The product-specific fee, verification method, cutoff and limit do not establish the same terms for a Coinbase retail account or every bank."]},{"id":"SRC-COINBASE-US-ACCOUNT-RESTRICTIONS","title":"Coinbase account restrictions and cash withdrawal","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/other-topics/other/does-coinbase-freeze-accounts","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-12","notes":["Coinbase says buying and selling restrictions can still leave cash withdrawal to a linked, verified bank account available, depending on the exact account state.","Closed accounts can require remaining cash withdrawal and off-platform crypto transfer while disabling new buys, sells or storage.","Court, sanctions, fraud, security or legal restrictions can freeze or delay funds; a generic withdrawal instruction does not override the live restriction or guarantee access timing."]},{"id":"SRC-COINBASE-US-CASH-CUSTODY","title":"How Coinbase stores United States Dollar cash","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/other-topics/other/client-cash","type":"official_cash_custody_guidance","authority":3,"observedAt":"2026-07-13","notes":["Coinbase says United States customer cash is held one-to-one in omnibus FBO accounts at insured financial institutions or in permissible short-duration liquid investments under state money-transmission laws.","Coinbase maintains the customer subledger and says pass-through treatment depends on accurate records and the receiver's determination; a customer must aggregate outside deposits held at the same institution.","Cash can move between insured accounts, United States Treasuries and government money-market funds, so a customer should not assume one placement or universal deposit-insurance result."]},{"id":"SRC-COINBASE-US-INSURANCE","title":"Coinbase insurance and protection overview","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/other-topics/legal-policies/how-is-coinbase-insured","type":"official_protection_guidance","authority":3,"observedAt":"2026-07-13","notes":["Coinbase distinguishes limited corporate crime insurance for a portion of platform-held digital assets from personal-account credential losses and states that cryptocurrency is not covered by FDIC, NCUSIF or SIPC.","The May 2025 institution list names JPMorgan Chase, Cross River Bank, Customers Bank, VyStar Credit Union and Pathward for eligible Coinbase Inc or Prime cash placements, but it is stale and not an account-specific allocation record.","The page separately identifies Coinbase Capital Markets Corporation and Apex Clearing Corporation SIPC treatment for eligible securities accounts; settled cash swept back to the Coinbase Inc USD balance loses that brokerage treatment."]},{"id":"SRC-COINBASE-VS-ADVANCED","title":"Coinbase and Coinbase Advanced product comparison","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/getting-started/other/coinbase-vs-coinbase-advanced","type":"official_trading_guidance","authority":4,"observedAt":"2026-07-13","notes":["Simple Coinbase trades use a fixed preview quote that includes applicable fees and spread, while Coinbase Advanced uses an order book and a volume-based maker-taker fee model without an included spread.","Advanced adds order types, order-book data and API access, but complexity, execution, asset, jurisdiction and account conditions remain customer-specific.","Coinbase One benefits do not erase Advanced fees and can leave spreads or separate product charges in place."]},{"id":"SRC-COINBASE-ADVANCED-FEES","title":"Coinbase Advanced fee guidance","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/advanced-trade/advanced-trade-fees","type":"official_fee_guidance","authority":4,"observedAt":"2026-07-13","notes":["Advanced maker and taker treatment depends on whether an order immediately removes liquidity, and a partially matched order can incur both treatments.","The fee tier at order time is driven by rolling thirty-day United States Dollar-equivalent trading volume and updates hourly.","The complete current fee table requires an authenticated account; the public page says the preview controls and rates can change, so NeobankDB does not publish an unavailable universal percentage."]},{"id":"SRC-COINBASE-STAKING-RISKS","title":"Coinbase staking risks","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/coinbase-staking/staking/staking-risks","type":"official_staking_guidance","authority":4,"observedAt":"2026-07-13","notes":["Staked assets cannot be sold or sent until unstaking completes, and standard unstaking can take hours to weeks depending on the asset and network while optional instant unstaking can carry a disclosed fee.","Network rewards are not guaranteed and Coinbase credits received rewards after subtracting its staking commission.","Slashing, protocol bugs, network conditions, malicious activity and other exclusions can cause loss; Coinbase replacement depends on cause and the governing agreement."]},{"id":"SRC-COINBASE-CARD-FEES","title":"Coinbase Card fees and tax guidance","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/coinbase-card/cb-card-fees-tax","type":"official_card_guidance","authority":3,"observedAt":"2026-07-13","notes":["The United States Coinbase Card is issued by Pathward, N.A. under a Visa licence and powered by Marqeta; it is unavailable in Hawaii according to the observed page.","Coinbase lists no transaction fee for spending supported balances and no Coinbase ATM fee, while crypto conversion spread, ATM-operator fees, taxes, limits and the card agreement remain separate.","Spending crypto triggers an automatic sale into United States Dollars and can create a taxable disposal; variable crypto rewards are optional and not guaranteed."]},{"id":"SRC-COINBASE-ONE","title":"Coinbase One membership and benefit conditions","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/other-topics/coinbase-one/account","type":"official_subscription_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase One is a recurring membership with Basic, Preferred and Premium tiers and region-, eligibility- and account-specific benefits.","Observed simple-trade fee limits are USD 500, USD 10,000 and unlimited per month by tier, but spreads remain and Advanced, DEX and derivatives are excluded from that zero-fee benefit.","USDC and staking reward boosts, support levels, account-takeover protection, wire benefits and other features can vary or be removed; the live member page and governing terms control."]},{"id":"SRC-COINBASE-CUSTODY-MODES","title":"Coinbase exchange and self-custody wallet distinction","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/getting-started/crypto-education/exchanges-self-custody-wallets","type":"official_custody_guidance","authority":4,"observedAt":"2026-07-13","notes":["A Coinbase exchange account is custodial: the platform controls the private keys and account access can ordinarily use platform recovery procedures.","A self-custody wallet gives the user control of private keys and a recovery phrase; losing that recovery material can permanently remove access and Coinbase cannot restore it.","Coinbase-hosted balances, web3 wallet arrangements and self-custody products must not be treated as one custody or support model."]},{"id":"SRC-COINBASE-US-LICENSES","title":"Coinbase United States licences and entity disclosures","publisher":"Coinbase","url":"https://www.coinbase.com/legal/licenses","type":"official_legal","authority":2,"observedAt":"2026-07-13","notes":["Coinbase publishes state-specific money-transmission and virtual-currency disclosures rather than one national bank charter.","Coinbase Custody Trust Company, LLC is a New York limited-purpose trust company for virtual-currency business and has its own institutional complaint path.","The custody trust entity and LMX Labs derivatives registration do not make a retail Coinbase Inc account a bank account, a securities account or an institutional custody account."]},{"id":"SRC-YUH-CH-PAYMENTS","title":"Yuh card, payment and transfer FAQ","publisher":"Yuh","url":"https://www.yuh.com/en/help/faq/pay/","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Yuh documents a multi-currency debit Mastercard, 3-D Secure, domestic and international bank transfers, eBill and a separately eligible Yuh TWINT app.","The cited pricing uses 0.95% currency conversion, CHF 4.90 foreign ATM withdrawal and free euro SEPA transfer while intermediary-bank charges and country restrictions remain separate.","The observed Yuh card cannot fund named cryptocurrency providers, card and cash limits apply, and Yuh TWINT requires Swiss residence and a Swiss phone number."]},{"id":"SRC-YUH-CH-INVEST","title":"Yuh securities, crypto and Swissqoin FAQ","publisher":"Yuh","url":"https://www.yuh.com/en/help/faq/invest/","type":"official_investment_guidance","authority":3,"observedAt":"2026-07-13","notes":["Yuh lists shares, ETFs, themes and crypto for fractional trading with separate transaction charges and no Yuh custody fee, while product expenses, tax and market loss remain separate.","Swissquote is the main crypto custodian and liquidity provider through SQX; Coinbase Inc, Bitstamp Europe S.A. and Payward Inc are named subcustodians for limited operational holdings.","Whole securities can be eligible for transfer while fractions may require sale or other handling; crypto segregation in bankruptcy is described with an explicit lack-of-case-law qualification.","Swissqoin is a separate Ethereum token and rewards programme whose value depends on supply and a CHF reserve rather than deposit protection or a guaranteed return."]},{"id":"SRC-YUH-CH-SAVINGS","title":"Yuh saving-project FAQ","publisher":"Yuh","url":"https://www.yuh.com/en/help/faq/save/","type":"official_savings_guidance","authority":4,"observedAt":"2026-07-13","notes":["Saving projects are allocation buckets inside the Yuh account with optional daily, weekly or monthly autosaving.","Closing a project transfers its cash back to the main account; the project does not create a second bank or separate deposit-protection limit.","The current pricing page lists 0% interest for CHF, EUR and USD cash in saving projects, so a goal label must not be presented as a yield product."]},{"id":"SRC-YUH-CH-RESTRICTIONS","title":"Yuh account restriction guidance","publisher":"Yuh","url":"https://www.yuh.com/en/yuhlearn/why-we-block-accounts-and-how-it-protects-you/","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["Yuh says it can temporarily freeze an account for identity, suspicious-activity, compliance, fraud, security or legal review.","A restriction can require additional information and can delay access while the review remains unresolved.","The article explains provider process but does not establish a universal review time, successful outcome, compensation or tested support quality."]},{"id":"SRC-MONZO-UK-BUSINESS-TERMS","title":"Monzo Business Account terms and conditions","publisher":"Monzo Bank Limited","url":"https://monzo.com/legal/business-account-terms-and-conditions/","type":"official_business_account_agreement","authority":2,"observedAt":"2026-07-13","notes":["Version 1.14, dated 17 February 2025, contracts the UK business current account between a limited company or sole trader and Monzo Bank Limited.","The account is for business use; the person opening it must be a director or sole-trader owner, and admin, collaborator and expense-card permissions retain separate responsibility and limits.","Payments can be refused for legal, fraud, risk, unclear-instruction, partner or changing account-limit reasons; Pots are not part of the main available balance for payment authorisation."]},{"id":"SRC-REVOLUT-UK-BUSINESS-TERMS","title":"Revolut United Kingdom Business Terms","publisher":"Revolut Bank UK Ltd","url":"https://www.revolut.com/legal/business-terms/","type":"official_business_account_agreement","authority":2,"observedAt":"2026-07-13","notes":["The current terms make Revolut Bank UK Ltd the provider of the GBP business current account and supported currency sub-accounts; separate group products retain separate agreements.","Eligible deposits are stated as FSCS protected up to the current statutory limit across eligible deposits held with Revolut Bank UK Ltd, subject to scheme eligibility and aggregation.","Onboarding criteria, supported entity and industry restrictions, authorised-person roles, plan terms, payment limits, holds and account-specific availability remain conditional."]},{"id":"SRC-REVOLUT-UK-BUSINESS-FEES","title":"Revolut Business fees for current United Kingdom plans","publisher":"Revolut Bank UK Ltd","url":"https://www.revolut.com/legal/business-fees-all-plans-current/","type":"official_business_fee_schedule","authority":2,"observedAt":"2026-07-13","notes":["The current schedule lists Basic at GBP 10 monthly, Grow at GBP 35 monthly or GBP 360 annually, Scale at GBP 125 monthly or GBP 1,080 annually and Enterprise at custom pricing.","Plan allowances differ for domestic payments, international transfers and foreign exchange; the cited over-allowance FX fee is 0.6% and the outside-market-hours fee is 1%.","ATM withdrawals carry a 2% fee, payment acceptance uses separate percentage-plus-fixed pricing and the final in-app fee controls."]},{"id":"SRC-WISE-UK-BUSINESS","title":"Wise Business account for United Kingdom businesses","publisher":"Wise Payments Limited","url":"https://wise.com/gb/business/","type":"official_business_product","authority":5,"observedAt":"2026-07-13","notes":["Wise Business supports conditional international receiving, holding, conversion, sending, cards, team access, batch payments and API functions for eligible businesses.","Features, currencies, receiving details, cards, limits and onboarding evidence vary by business location, entity and account state.","Wise Payments Limited is an electronic-money institution for the cited UK relationship, not a bank deposit provider."]},{"id":"SRC-WISE-UK-BUSINESS-PRICING","title":"Wise Business United Kingdom pricing","publisher":"Wise Payments Limited","url":"https://wise.com/gb/pricing/business","type":"official_business_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The current page lists GBP 50 for the full business feature setup, currency-dependent sending and conversion from 0.33%, and free holding of ordinary supported currency balances.","Receiving domestic non-Swift payments in the listed currencies is free while Swift or wire receipts have currency-specific fixed charges.","Card, ATM, external-wallet top-up, Wise Interest and Stocks pricing remain separate; investment products carry capital risk and do not turn ordinary safeguarded e-money into bank deposits."]},{"id":"SRC-STARLING-UK-BUSINESS-TERMS","title":"Starling Business Account general terms","publisher":"Starling Bank Limited","url":"https://www.starlingbank.com/docs/legal/account/starling-business-account-general-terms-apr-2026.pdf","type":"official_business_account_agreement","authority":2,"observedAt":"2026-07-13","notes":["The general terms apply from 27 April 2026 and make Starling Bank Limited the direct provider of the cited business current account.","Account use, authorised persons, cards, payments, cash, holds, errors, closure and support remain subject to the agreement and customer-specific account state.","Starling identifies the account as a bank deposit relationship covered by FSCS only where the depositor and deposit are eligible."]},{"id":"SRC-STARLING-UK-BUSINESS-FEES","title":"Starling Business and Sole Trader Account schedule and fees","publisher":"Starling Bank Limited","url":"https://www.starlingbank.com/docs/legal/account/starling-business-soletrader-account-schedule-and-rfc-apr-2026.pdf","type":"official_business_fee_schedule","authority":2,"observedAt":"2026-07-13","notes":["The schedule applies from 27 April 2026 and lists no monthly fee for the core GBP business current account before optional or action-specific charges.","Faster Payments, Direct Debits and Standing Orders are listed without a Starling fee; cash deposits, international activity, optional services and third-party charges retain separate pricing.","The live agreement, schedule and transaction preview control rather than a generic free-banking description."]},{"id":"SRC-STARLING-UK-BUSINESS-ELIGIBILITY","title":"Starling business account eligibility","publisher":"Starling Bank Limited","url":"https://www.starlingbank.com/business-account/eligibility/","type":"official_business_eligibility","authority":3,"observedAt":"2026-07-13","notes":["Starling assesses applications case by case and lists business form, Companies House, UK residence, ownership, authority, industry and due-diligence conditions.","The page excludes specified structures, industries, client-money activity and insolvency states rather than guaranteeing every otherwise eligible applicant acceptance.","Business cash deposits are capped by cited daily and annual limits and charged GBP 3 or 0.7%, whichever is higher, subject to current terms."]},{"id":"SRC-STARLING-UK-FSCS","title":"Starling Bank FSCS information sheet","publisher":"Starling Bank Limited","url":"https://www.starlingbank.com/legal/account/fscs-protection/","type":"official_protection_disclosure","authority":2,"observedAt":"2026-07-13","notes":["The information sheet states that most eligible individual and business deposits at Starling Bank Limited enter the FSCS framework at the current statutory limit.","The limit aggregates eligible deposits held by the same depositor at Starling Bank in the same protected capacity; the account statement confirms eligibility.","FSCS covers eligible deposit failure, not business losses, card fraud, payment disputes, currency conversion or service availability."]},{"id":"SRC-RBC-CA-DIGITAL-CHOICE","title":"RBC Digital Choice Business Account","publisher":"Royal Bank of Canada","url":"https://www.rbcroyalbank.com/business/accounts/digital-choice-business-account.html","type":"official_business_product","authority":3,"observedAt":"2026-07-13","notes":["Royal Bank of Canada directly offers the cited Canadian business deposit account with a CAD 6 monthly package fee and no minimum balance requirement.","The observed package includes unlimited specified electronic debits, credits and cheque deposits plus ten outgoing Interac e-Transfer transactions before separate charges.","Online eligibility is narrower than product availability and can require a Canadian sole proprietorship or single-owner corporation, one authorised signatory, identity verification and branch activation."]},{"id":"SRC-RBC-CA-BUSINESS-FEES","title":"RBC business accounts and services fees","publisher":"Royal Bank of Canada","url":"https://www.rbcroyalbank.com/business/pdf/business_accounts_and_services.pdf","type":"official_business_fee_schedule","authority":2,"observedAt":"2026-07-13","notes":["The current guide separates package inclusions from paper, cash, Interac, wire, foreign-currency and other service charges.","Digital Choice cash deposits are priced separately by branch, ATM or Night and Day channel, and outgoing Interac transfers beyond the package allowance carry a per-transfer charge.","The guide does not contain every fee and points business clients to the governing agreement and live service disclosures."]},{"id":"SRC-BMO-CA-ESSENTIAL-BUSINESS","title":"BMO Essential Business Account","publisher":"Bank of Montreal","url":"https://www.bmo.com/en-ca/main/business/accounts/essential-business-account/","type":"official_business_product_pricing","authority":3,"observedAt":"2026-07-13","notes":["Bank of Montreal directly provides the cited Canadian business chequing account and lists a CAD 5 monthly fee.","The observed plan includes unlimited electronic or ATM transactions, zero included in-branch transactions, six Interac e-Transfer transactions and separate cash, paper and excess-transfer charges.","Online or branch onboarding depends on business form, age, registration, ownership, authorised signatories, identity and documentation; public requirements do not guarantee acceptance."]},{"id":"SRC-BMO-CA-BUSINESS-TERMS","title":"BMO business account terms and conditions","publisher":"Bank of Montreal","url":"https://www.bmo.com/main/business/accounts/terms-and-conditions-en.html","type":"official_business_account_terms","authority":2,"observedAt":"2026-07-13","notes":["BMO's current business account page incorporates plan transaction definitions, inclusions, overages and separate service conditions into the account decision.","Electronic transactions, transfers between BMO accounts, Interac e-Transfers, cheque deposits and branch-assisted actions can be counted or priced differently.","The governing agreement, current plan, account state and transaction channel control rather than a generic unlimited-transaction description."]},{"id":"SRC-WISE-CA-BUSINESS","title":"Wise Business account for Canadian businesses","publisher":"Wise Payments Canada Inc.","url":"https://wise.com/ca/business/","type":"official_business_product","authority":5,"observedAt":"2026-07-13","notes":["Wise Business supports conditional multicurrency receiving, holding, conversion, payments, cards, team controls, batch payments and accounting integrations for eligible Canadian businesses.","The account uses Wise Payments Canada Inc. and its Canadian MSB or payment-services framework rather than a direct Canadian bank deposit relationship.","Entity verification, currencies, account details, card, recipient, limits and feature availability remain customer-specific."]},{"id":"SRC-WISE-CA-BUSINESS-PRICING","title":"Wise Business Canada pricing","publisher":"Wise Payments Canada Inc.","url":"https://wise.com/ca/pricing/business","type":"official_business_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The current page lists CAD 55 for the full business feature setup, with sending and conversion fees starting from 0.48% on eligible routes.","Holding ordinary supported currencies is listed without a fee; receiving and Swift charges vary by currency and route.","The page says Wise cards cannot be used for local ATM withdrawals in Canada; card, ATM, external-wallet, investment and customer-specific fees remain separate."]},{"id":"SRC-COMMBANK-AU-BUSINESS-TRANSACTION","title":"CommBank Business Transaction Account","publisher":"Commonwealth Bank of Australia","url":"https://www.commbank.com.au/business/bank-accounts/business-transaction-account.html","type":"official_business_product","authority":3,"observedAt":"2026-07-13","notes":["Commonwealth Bank of Australia directly provides the cited business transaction deposit account with AUD 0 or AUD 10 monthly fee options.","Electronic transactions are listed without a fee, while assisted transactions, cheques, Quick Deposits, cash handling and other services have separate inclusions or charges.","Online opening requests business registration and identity information and can require directors, beneficial owners or trustees to verify; a public checklist does not guarantee approval."]},{"id":"SRC-COMMBANK-AU-BUSINESS-FEES","title":"CommBank Business Transaction Account rates and fees","publisher":"Commonwealth Bank of Australia","url":"https://www.commbank.com.au/business/bank-accounts/business-transaction-account/rates-and-fees.html","type":"official_business_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The AUD 0 option includes no assisted transaction, cheque or Quick Deposit allowance; the AUD 10 option includes five specified assisted actions.","The current table lists free electronic transactions and Australian CommBank ATM cash withdrawals but separate cheque, Quick Deposit, assisted, cash-handling and international charges.","Current terms, transaction channel, account option and customer state control instead of a generic fee-free description."]},{"id":"SRC-COMMBANK-AU-BUSINESS-TERMS","title":"CommBank Business Transaction and Savings Accounts terms","publisher":"Commonwealth Bank of Australia","url":"https://www.commbank.com.au/content/dam/commbank/business/pds/ADB2916.pdf","type":"official_business_account_terms","authority":2,"observedAt":"2026-07-13","notes":["The current terms distinguish transaction-account fee options, access methods, authorities, cash handling, cheques, overdrawing, statements and account operation.","A business debit card, NetBank or CommBiz access does not change deposit ownership, authority or FCS eligibility.","The live account terms, banking-service terms and current fee schedule must be read together before opening or transacting."]},{"id":"SRC-NAB-AU-BUSINESS-EVERYDAY","title":"NAB Business Everyday Account","publisher":"National Australia Bank Limited","url":"https://www.nab.com.au/business/business-bank-accounts/transaction-accounts/low-fee-business-account","type":"official_business_product_pricing","authority":3,"observedAt":"2026-07-13","notes":["National Australia Bank Limited directly issues the cited Business Everyday deposit account with AUD 0 and AUD 10 monthly fee options.","Both options list standard electronic and NAB ATM transactions without a fee; the AUD 10 option includes fifteen specified eligible assisted, deposit or cheque transactions.","Online eligibility includes specified Australian business structures, residency or tax-residency, active registration and identity evidence, subject to verification and acceptance."]},{"id":"SRC-NAB-AU-BUSINESS-FEES","title":"NAB business banking fees and charges","publisher":"National Australia Bank Limited","url":"https://www.nab.com.au/important-information/business/banking-fees-charges","type":"official_business_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The current guide separates monthly account service fees from banker-assisted, express deposit, coin, cheque, card, electronic, channel and international charges.","The AUD 0 Business Everyday option has no monthly assisted-transaction allowance; the AUD 10 option provides fifteen specified eligible transactions before overages.","NAB Connect, Direct Link, merchant, foreign-currency and other services can have additional schedules and are not inferred as included."]},{"id":"SRC-NAB-AU-BUSINESS-TERMS","title":"NAB Business Products terms and conditions","publisher":"National Australia Bank Limited","url":"https://www.nab.com.au/important-information/business/business-products-terms-conditions","type":"official_business_account_terms","authority":2,"observedAt":"2026-07-13","notes":["The terms govern NAB Business Everyday and related business accounts, authorities, operation, payments, closure and product-specific conditions.","Business structure, account authority, access channel and current disclosure determine who can operate the account and which service terms apply.","A product label or online application path does not prove approval, authority, transaction support or protection for a customer-specific case."]},{"id":"SRC-WISE-AU-BUSINESS","title":"Wise Business account for Australian businesses","publisher":"Wise Australia Pty Ltd","url":"https://wise.com/au/business/","type":"official_business_product","authority":5,"observedAt":"2026-07-13","notes":["Wise Business supports conditional multicurrency receiving, holding, conversion, payments, cards, batch payments and team workflows for eligible Australian businesses.","Wise Australia Pty Ltd provides the payment facility under its Australian regulatory permissions rather than as an unrestricted direct business bank account.","Business verification, currencies, receiving details, cards, recipients, limits, investment features and support remain product- and customer-specific."]},{"id":"SRC-WISE-AU-BUSINESS-PRICING","title":"Wise Business Australia pricing","publisher":"Wise Australia Pty Ltd","url":"https://wise.com/au/pricing/business","type":"official_business_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["The current page lists AUD 65 for all business features and receiving details, with sending and conversion fees starting from 0.63% on eligible routes.","Holding ordinary supported currencies and eligible domestic receiving are listed without a fee; Swift, card, ATM and external-wallet actions retain separate pricing.","Wise Interest is a separate capital-at-risk investment with its own annual fee and must not be presented as a guaranteed business deposit return."]},{"id":"SRC-MONZO-UK-CRYPTO-SUPPORT","title":"Monzo cryptocurrency exchange support","publisher":"Monzo Bank Limited","url":"https://monzo.com/help/payments-getting-started/is-crypto-allowed","type":"official_crypto_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Monzo says personal customers can use a range of cryptocurrency exchanges through their personal banking account.","The statement does not name every supported exchange, payment method, card route or customer-specific limit and does not create a Monzo crypto custody product.","Transfer acceptance remains subject to Monzo's current allowance, fraud controls, account terms and live payment review."]},{"id":"SRC-MONZO-UK-CRYPTO-ALLOWANCE","title":"Monzo cryptocurrency payment allowance","publisher":"Monzo Bank Limited","url":"https://monzo.com/help/payments-getting-started/cryptocurrency-allowance","type":"official_limit_and_fraud_guidance","authority":4,"observedAt":"2026-07-13","notes":["Monzo lists a GBP 5,000 cryptocurrency-payment allowance in a rolling 30-day period and says the limit cannot be changed.","A payment that would exceed the rolling allowance is stopped; available allowance returns as older qualifying payments leave the window.","The page warns that crypto wallets are outside FSCS protection and explains scam indicators, but does not guarantee every payment below the allowance."]},{"id":"SRC-STARLING-UK-CRYPTO-DECLINE","title":"Starling cryptocurrency transaction restriction","publisher":"Starling Bank Limited","url":"https://help.starlingbank.com/joint/topics/uk-payments/why-have-you-declined-my-cryptocurrency-transaction/","type":"official_crypto_payment_restriction","authority":4,"observedAt":"2026-07-13","notes":["Starling says it no longer supports buying or selling cryptocurrency by debit card, GBP bank transfer or bank transfer in other currencies.","The bank states the restriction is a customer-protection decision and does not charge for the declined payment.","A generic Starling card or transfer capability must not be used to infer a workaround or supported crypto route."]},{"id":"SRC-N26-DE-CRYPTO","title":"N26 Crypto for German customers","publisher":"N26 Bank SE","url":"https://n26.com/en-de/crypto/","type":"official_crypto_product_pricing","authority":3,"observedAt":"2026-07-13","notes":["N26 Crypto is an in-app trading product powered by Bitpanda Asset Management GmbH, a separately licensed German entity.","The page lists standard transaction fees of 1.5% for Bitcoin and 2.5% for other coins, with specified low-liquidity exceptions and plan discounts shown before trading.","Bitpanda provides pricing and cold-storage custody; cryptoassets remain separate from N26 Bank deposits and deposit-guarantee protection."]},{"id":"SRC-N26-DE-CRYPTO-HOW","title":"How N26 Crypto works","publisher":"N26 Bank SE","url":"https://support.n26.com/en-de/app-and-features/savings-and-invest/how-n26-crypto-works","type":"official_crypto_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["Eligible customers can buy, sell and swap supported crypto inside the N26 app after entering the Trading and Crypto flow.","Bitpanda Asset Management GmbH powers the service and the current page warns of volatility and possible total loss.","An integrated interface does not merge the bank deposit, trading counterparty, custody, fees or recovery process."]},{"id":"SRC-BUNQ-DE-CRYPTO","title":"bunq Crypto FAQ for Germany","publisher":"bunq B.V.","url":"https://help.bunq.com/de-de/articles/crypto-faq","type":"official_crypto_product_guidance","authority":4,"observedAt":"2026-07-13","notes":["bunq lets eligible customers buy, sell and swap supported crypto in-app after a Kraken verification flow.","Kraken executes trades and stores the crypto; purchases and sales currently use euro accounts rather than savings or foreign-currency accounts.","Crypto can fall in value, Safety Shield can hold sale proceeds for 24 hours, and partner custody remains separate from bunq bank deposits."]},{"id":"SRC-BUNQ-DE-CRYPTO-FEES","title":"bunq Crypto fees and spread","publisher":"bunq B.V.","url":"https://help.bunq.com/de-de/articles/how-do-the-fees-and-spread-work-in-bunq-crypto","type":"official_crypto_fee_guidance","authority":4,"observedAt":"2026-07-13","notes":["The observed plan-based service fees are 1.99% for Free, 0.99% for Core, 0.49% for Pro and 0.25% for Elite.","The final price including the service fee is shown before confirmation, while the buy-sell spread and market movement remain separate economic costs.","Plan pricing, supported assets, execution and custody require live in-app confirmation."]},{"id":"SRC-REVOLUT-DE-CRYPTO-RULES","title":"Revolut Germany crypto exchange trading rules","publisher":"Revolut Digital Assets Europe Ltd","url":"https://www.revolut.com/en-DE/legal/crypto-exchange-trading-rules/","type":"official_mica_crypto_trading_rules","authority":2,"observedAt":"2026-07-13","notes":["Revolut Digital Assets Europe Ltd operates the cited Revolut X trading platform under MiCA-aligned trading rules.","Asset admission, whitepapers, exclusions, monitoring and delisting remain conditional and can change because of law, liquidity, security or third-party support.","RDAEL crypto services remain separate from Revolut Bank UAB German branch deposits and their Lithuanian deposit-insurance treatment."]},{"id":"SRC-REVOLUT-DE-CRYPTO-FEES","title":"Revolut Germany personal crypto fees","publisher":"Revolut Digital Assets Europe Ltd","url":"https://www.revolut.com/en-DE/legal/exchangingcryptocurrenciespersonalfees/","type":"official_crypto_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["Revolut publishes plan- and trade-value-dependent minimum or variable crypto exchange fees and displays the rate, fee and total before exchange where possible.","The exchange rate is variable and separate from the crypto fee; combined plan exchange limits can also include fiat and commodity activity.","The live preview and current RDAEL terms control rather than a static universal trading cost."]},{"id":"SRC-AMF-FR-MICA-TRANSITION-END","title":"End of France's PSAN-to-MiCA transitional period","publisher":"Autorité des marchés financiers","url":"https://www.amf-france.org/fr/actualites-publications/communiques/communiques-de-lamf/crypto-actifs-la-fin-de-la-periode-de-transition-entre-la-loi-pacte-et-le-reglement-europeen-mica","type":"regulator_mica_transition_guidance","authority":1,"observedAt":"2026-07-13","notes":["The AMF states that France's transitional national PSAN regime ended after 1 July 2026 and that MiCA authorisation is now mandatory to offer crypto-asset services in the EU.","The regulator describes MiCA conduct, market-abuse, security, custody, investor-fund and complaint-handling requirements without presenting authorisation as deposit insurance or an investment guarantee.","Provider and exact service authorisation must be checked against the current competent-authority or ESMA register rather than inferred from an expired PSAN status."]},{"id":"SRC-N26-FR-CRYPTO","title":"N26 Crypto for French customers","publisher":"N26 Bank SE","url":"https://n26.com/fr-fr/crypto/","type":"official_crypto_product_pricing","authority":3,"observedAt":"2026-07-13","notes":["N26 says eligible French customers can access its integrated crypto product and identifies Bitpanda Asset Management GmbH as the separately authorised provider on this product page.","The page lists standard fees of 1.5% for Bitcoin and 2.5% for other coins, a 3.5% low-liquidity exception and bounded Metal discounts, with the live preview controlling.","Bitpanda supplies pricing and cold-storage custody; cryptoassets remain separate from N26 Bank SE deposits and German deposit-guarantee protection."]},{"id":"SRC-N26-FR-CRYPTO-HOW","title":"How N26 Crypto works in France","publisher":"N26 Bank SE","url":"https://support.n26.com/fr-fr/application-et-produits/epargne-et-investir/comment-fonctionne-n26-crypto","type":"official_crypto_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["The French support page says eligible customers can buy, sell and swap in-app and separately identifies Austrian Bitpanda GmbH as the digital-asset service provider.","This partner-entity description differs from the French product page's Bitpanda Asset Management GmbH disclosure, so the exact counterparty is marked conflicting pending live contract confirmation.","The page warns of volatility and total-loss risk and says country, regulatory and app-version eligibility can leave the feature unavailable."]},{"id":"SRC-BUNQ-FR-CRYPTO","title":"bunq Crypto FAQ for France","publisher":"bunq B.V.","url":"https://help.bunq.com/fr-fr/articles/crypto-faq","type":"official_crypto_product_fee_guidance","authority":4,"observedAt":"2026-07-13","notes":["bunq's French guidance describes an in-app verification flow, trading from EUR 1 and Kraken execution and custody for supported cryptoassets.","The observed plan fees are 1.99% for Free, 0.99% for Core, 0.49% for Pro and 0.25% for Elite, with the in-app preview controlling the transaction.","Crypto value, spread, partner custody, asset support and any hold remain separate from bunq deposits and Dutch Deposit Guarantee treatment."]},{"id":"SRC-REVOLUT-FR-CRYPTO-RULES","title":"Revolut France crypto exchange trading rules","publisher":"Revolut Digital Assets Europe Ltd","url":"https://www.revolut.com/fr-FR/legal/crypto-exchange-trading-rules/","type":"official_mica_crypto_trading_rules","authority":2,"observedAt":"2026-07-13","notes":["Revolut Digital Assets Europe Ltd operates Revolut X under cited MiCA-aligned trading rules for French customers.","Asset admission, whitepapers, risk review, monitoring, settlement and delisting remain conditional and can change.","RDAEL crypto services remain separate from Revolut Bank UAB or its French branch deposits and their Lithuanian deposit-insurance treatment."]},{"id":"SRC-REVOLUT-FR-CRYPTO-FEES","title":"Revolut France personal crypto fees","publisher":"Revolut Digital Assets Europe Ltd","url":"https://www.revolut.com/fr-FR/legal/exchangingcryptocurrenciespersonalfees/","type":"official_crypto_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["Revolut publishes plan- and trade-value-dependent minimum or variable crypto fees and says the rate, fee and total are displayed before exchange where possible.","The crypto exchange rate remains variable, rolling-volume tiers and plan limits have separate conditions, and some transaction types use different fee treatment.","The page observed on 13 July publishes separate current and scheduled-from-10-August-2026 treatments, so the transaction date and live authenticated terms must be matched.","The current RDAEL terms and authenticated preview control rather than a static universal cost."]},{"id":"SRC-WISE-US-PERSONAL-MULTICURRENCY","title":"Wise personal multicurrency account in the United States","publisher":"Wise US Inc.","url":"https://wise.com/us/account/","type":"official_multicurrency_product_guidance","authority":4,"observedAt":"2026-07-13","notes":["Wise's United States page says eligible personal customers can hold 40 currencies and receive with account details for 20 currencies, subject to the current product flow.","The linked card can spend in additional currencies through conversion, which must not be presented as every spend currency being a held balance or local receiving detail.","Wise is not a bank; ordinary balances and the optional USD interest programme retain different safeguarding and conditional pass-through-insurance treatment."]},{"id":"SRC-WISE-US-HOLD-FEES","title":"Wise United States fees for holding and converting currencies","publisher":"Wise US Inc.","url":"https://wise.com/us/pricing/hold-fees","type":"official_multicurrency_fee_guidance","authority":3,"observedAt":"2026-07-13","notes":["The observed United States pricing page says holding more than 40 supported currencies is free.","Conversion uses the displayed exchange rate plus a currency- and transaction-specific fee, so free holding does not mean free conversion, receiving, sending or card use.","Supported currencies, account details, adding methods, limits and optional interest remain separate product conditions."]},{"id":"SRC-REVOLUT-US-HOLDING-CURRENCIES","title":"Revolut United States supported currencies for holding","publisher":"Revolut Technologies Inc.","url":"https://help.revolut.com/en-US/help/transfers/inbound-transfers/how-to-receive-money-from-another-bank/what-account-details-should-i-use-to-transfer-money-to-my-revolut-account/supported-currencies-for-holding/","type":"official_multicurrency_product_guidance","authority":4,"observedAt":"2026-07-13","notes":["Revolut's current US help page lists 25 currencies that can be opened, held and exchanged in separate currency balances.","Unsupported holding currencies can still be used for card payments or withdrawals through transaction-time conversion, which is not a held balance or local receiving detail.","The page identifies Revolut Technologies Inc. as programme manager and Lead Bank as the prepaid-card banking-services provider; exact FDIC treatment follows the cited programme terms."]},{"id":"SRC-AIRWALLEX-US-GLOBAL-ACCOUNTS","title":"Airwallex United States Global Accounts","publisher":"Airwallex US, LLC","url":"https://www.airwallex.com/en-us/business-account/global-accounts","type":"official_multicurrency_business_product_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex describes business-only Global Accounts with local details in more than 20 currencies and receiving coverage across more than 70 countries, subject to eligibility and live coverage.","Received funds can be held in the Airwallex wallet, converted, spent or paid out; a local account detail is a collection route rather than proof of a separate bank deposit in every market.","Airwallex US, LLC remains a money transmitter, while eligible pass-through treatment for some US customer funds depends on the exact Evolve programme and legal conditions."]},{"id":"SRC-WISE-UK-PERSONAL-MULTICURRENCY","title":"Wise personal multicurrency account in the United Kingdom","publisher":"Wise Payments Limited","url":"https://wise.com/gb/account/","type":"official_multicurrency_product_guidance","authority":4,"observedAt":"2026-07-13","notes":["Wise's current UK personal page describes use across 40 currencies and international receiving details while identifying the ordinary account as e-money rather than a bank deposit.","Ordinary Wise funds are safeguarded and not FSCS protected; optional Wise Assets invests money through a separate entity and can have distinct FSCS and capital-risk treatment.","Holding, local details, card spending, conversion, transfers and investment activation remain separate capabilities and protection states."]},{"id":"SRC-WISE-UK-HOLD-FEES","title":"Wise United Kingdom fees for holding and converting currencies","publisher":"Wise Payments Limited","url":"https://wise.com/gb/pricing/hold-fees","type":"official_multicurrency_fee_guidance","authority":3,"observedAt":"2026-07-13","notes":["The observed UK pricing page says holding more than 40 supported currencies is free.","Conversion uses the displayed exchange rate plus a currency-specific fee, so free holding does not imply free receiving, conversion, sending, Swift or card use.","The authenticated quote and current feature availability control the exact transaction."]},{"id":"SRC-WISE-UK-GBP-DETAILS","title":"Wise GBP receiving details","publisher":"Wise Help Centre","url":"https://wise.com/help/articles/2935927/how-do-i-receive-money-with-my-gbp-account-details","type":"official_receiving_detail_guidance","authority":4,"observedAt":"2026-07-13","notes":["Eligible customers receive a sort code, account number and BIC for GBP local or supported Swift receipts, but Wise explicitly says the details are not a bank account.","The cited GBP Swift route accepts only listed currencies, has a GBP 2.16 Wise receiving fee and can involve correspondent-bank fees.","Verification, account state, rail, currency, detail set, beneficiary and sender information must match the current instruction."]},{"id":"SRC-STARLING-UK-EURO-ACCOUNT","title":"Starling personal euro account","publisher":"Starling Bank Limited","url":"https://www.starlingbank.com/current-account/euro-bank-account/","type":"official_foreign_currency_bank_product","authority":3,"observedAt":"2026-07-13","notes":["Eligible Starling personal-current-account customers can apply for a separate euro current account that can hold, send and receive EUR through supported SEPA functions.","The current page lists no monthly holding fee, a 0.4% GBP-EUR conversion fee and conditional card spending from the EUR account through currency controls.","The euro account is a Starling Bank deposit with a unique IBAN; total eligible Starling deposits aggregate under current FSCS rules."]},{"id":"SRC-STARLING-UK-EURO-TERMS","title":"Starling personal euro account terms and fees","publisher":"Starling Bank Limited","url":"https://www.starlingbank.com/docs/legal/terms/starling-personal-euro-current-account-terms-jan-2026.pdf","type":"official_foreign_currency_account_terms","authority":2,"observedAt":"2026-07-13","notes":["The current terms restrict the personal euro account to EUR payments and require an open Starling GBP personal current account plus continued eligibility.","A non-EUR payment sent to the euro account is declined and returned; other currencies can instead enter the GBP account and be converted before transfer to EUR.","Payment, conversion, card, restriction, closure and residual-balance handling retain separate terms, rates and fees."]},{"id":"SRC-MONZO-UK-INTERNATIONAL-CURRENCIES","title":"Monzo supported international sending currencies","publisher":"Monzo Bank Limited","url":"https://monzo.com/help/payments-getting-started/accepted-currencies-web","type":"official_international_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Monzo lists supported foreign currencies for international sending from its GBP current account and says GBP itself is not sent through that international flow.","A supported outgoing currency list proves conversion and sending, not a held balance, local foreign receiving detail or foreign-currency deposit account.","Eligibility, recipient, quote, third-party rate, fees, limits, review and unsupported-currency treatment remain transaction-specific."]},{"id":"SRC-MONZO-UK-FOREIGN-CURRENCY-CONVERSION","title":"Monzo foreign-currency receipt and card conversion","publisher":"Monzo Bank Limited","url":"https://monzo.com/legal/plans/fee-information/version-1-1","type":"official_foreign_currency_fee_guidance","authority":3,"observedAt":"2026-07-13","notes":["The cited plan fee information says supported EUR and other foreign-currency receipts are converted to GBP before appearing in the Monzo account, with the stated plan fee and external-bank costs potentially applying.","Monzo card spending in a foreign currency also uses conversion rather than a persistent foreign-currency deposit balance.","International receipt, outgoing transfer and card conversion must not be combined into an unsupported multicurrency-holding claim."]},{"id":"SRC-RBI-IN-FOREIGN-CURRENCY-ACCOUNTS","title":"Foreign Currency Accounts by Resident Individuals","publisher":"Reserve Bank of India","url":"https://www.rbi.org.in/commonman/Upload/English/FAQs/PDFs/CurrencyAccounts16012025.pdf","type":"regulator_foreign_currency_account_guidance","authority":1,"observedAt":"2026-07-13","notes":["RBI's 16 January 2025 FAQ keeps EEFC, Resident Foreign Currency Domestic and Resident Foreign Currency accounts as distinct permitted categories with different eligible credits and account purposes.","A resident individual's ability to open or credit a foreign-currency account depends on the exact source of funds, residential status, account category and authorised-dealer conditions.","A foreign-currency account permission does not establish universal eligibility, unrestricted long-term holding or a payment-app balance."]},{"id":"SRC-RBI-IN-EEFC-DIRECTION","title":"Master Direction on Export of Goods and Services — EEFC accounts","publisher":"Reserve Bank of India","url":"https://www.rbi.org.in/Scripts/BS_ViewMasDirections.aspx?id=10200","type":"regulator_eefc_account_direction","authority":1,"observedAt":"2026-07-13","notes":["A resident foreign-exchange earner may open an EEFC account with an Authorised Dealer Category I bank in India.","The account is a non-interest-bearing current account; 100% of eligible foreign-exchange earnings can be credited, but monthly accruals remaining after permitted use and forward commitments must be converted to INR by the end of the succeeding calendar month.","The scheme is intended to reduce conversion and transaction costs for future forex use, not to create an unrestricted permanent foreign-currency asset."]},{"id":"SRC-ICICI-IN-EEFC-ACCOUNT","title":"ICICI Bank Exchange Earners' Foreign Currency current account","publisher":"ICICI Bank Limited","url":"https://www.icicibank.com/business-banking/current-account/eefc-account","type":"official_foreign_currency_bank_product","authority":3,"observedAt":"2026-07-13","notes":["ICICI presents its EEFC product as a non-interest-bearing current account for eligible resident foreign-exchange earners and lists 24 available currencies including USD, EUR and GBP.","The page permits 100% of eligible foreign-exchange earnings to be credited and supports conversion to INR or earmarking for approved future outward commitments.","Unutilised monthly accruals remain subject to the succeeding-month conversion requirement; eligibility, documentation, currencies, fees, correspondent deductions and individual transactions remain conditional."]},{"id":"SRC-SBI-IN-RFCD-ACCOUNT","title":"SBI Resident Foreign Currency Domestic account","publisher":"State Bank of India","url":"https://sbi.co.in/hi/web/personal-banking/accounts/saving-account/resident-foreign-currency-domestic-account","type":"official_resident_foreign_currency_bank_product","authority":3,"observedAt":"2026-07-13","notes":["SBI's product page says an eligible resident individual can open a non-interest-bearing RFC(D) current account in USD, GBP or EUR from defined foreign-currency sources.","The account has no cheque book or ATM card, and the observed legacy page lists currency-specific minimum balances; those amounts require branch confirmation because the product page says it was last updated in 2022.","Remaining monthly accruals are subject to conversion to INR by the end of the succeeding month after permitted use and commitments, so this is not unrestricted permanent multicurrency holding."]},{"id":"SRC-REVOLUT-IN-MULTICURRENCY-CARD-TERMS","title":"Revolut India multicurrency card terms","publisher":"Revolut Forex India Private Limited","url":"https://www.revolut.com/en-IN/legal/travel-card/","type":"official_multicurrency_prepaid_card_terms","authority":2,"observedAt":"2026-07-13","notes":["Revolut Forex India Private Limited is the cited RBI Authorised Dealer Category II entity issuing the prepaid multicurrency forex card; settlements use Authorised Dealer Category I banks.","The card can carry separate currency pockets and be loaded with eligible foreign exchange, but stored funds are non-interest-bearing and explicitly do not constitute a bank deposit with Revolut.","The card is for eligible adult Indian resident citizens with an Indian passport, PAN, Aadhaar and completed checks; it cannot be used at merchants or ATMs in India, Nepal or Bhutan or for INR, NPR or BTN transactions."]},{"id":"SRC-REVOLUT-IN-CURRENCY-EXCHANGE","title":"Revolut India foreign-currency exchange flow","publisher":"Revolut","url":"https://help.revolut.com/en-IN/help/accounts/currency-accounts/question-how-do-i-exchange-money/","type":"official_foreign_currency_exchange_guidance","authority":4,"observedAt":"2026-07-13","notes":["The current India help page permits exchange between foreign-currency balances in the multicurrency product.","INR cannot be exchanged directly through that balance-to-balance action; adding or withdrawing money is the separate path for buying or selling against INR.","Completed exchanges cannot be cancelled and must be reversed through a new transaction, with the live review screen controlling applicable fees and rate."]},{"id":"SRC-DICGC-IN-DEPOSIT-GUIDE","title":"A Guide to Deposit Insurance","publisher":"Deposit Insurance and Credit Guarantee Corporation","url":"https://www.dicgc.org.in/guide-to-deposit-insurance","type":"deposit_insurance_regulator_guidance","authority":1,"observedAt":"2026-07-13","notes":["DICGC says eligible savings, fixed, current and recurring deposits at insured banks are within the scheme, while listed exclusions include deposits received outside India and inter-bank or government deposits.","The current ceiling is INR 500,000 for principal and interest in the same right and capacity across all branches of the same bank.","An exact foreign-currency account, ownership capacity, valuation and insured-bank status still require confirmation; prepaid cards, PPIs, receiving details and non-bank payment balances do not inherit a bank's deposit label."]},{"id":"SRC-NAB-AU-FOREIGN-CURRENCY-ACCOUNT","title":"NAB Foreign Currency Account","publisher":"National Australia Bank Limited","url":"https://www.nab.com.au/business/business-bank-accounts/specialised-accounts/nab-foreign-currency-account","type":"official_foreign_currency_deposit_product","authority":2,"observedAt":"2026-07-13","notes":["NAB documents a direct foreign-currency transaction account in 16 listed currencies that can receive and send supported foreign currencies without immediate conversion to Australian dollars.","The page lists no opening fee, monthly account fee or minimum ongoing balance; holding, payment, conversion, correspondent and transaction charges remain subject to the current terms and fee guide.","Personal customers apply through a branch and business customers through a banker; currency availability, identification and approval remain conditional."]},{"id":"SRC-NAB-AU-FOREIGN-CURRENCY-TERMS","title":"NAB Foreign Currency Account terms and conditions","publisher":"National Australia Bank Limited","url":"https://www.nab.com.au/content/dam/nab/documents/terms-and-conditions/banking/nab-foreign-currency-account-onshore-april-2026.pdf","type":"official_foreign_currency_account_terms","authority":2,"observedAt":"2026-07-13","notes":["The terms effective April 2026 govern NAB's onshore Foreign Currency Account and explain account operation, instructions, interest, fees, exchange, changes, suspension and closure.","Foreign-currency values can move against Australian dollars and transaction execution can depend on cut-off times, correspondents, sanctions, available balance and account authority.","The product is a direct NAB account, but APRA states that foreign-currency deposits are outside the Financial Claims Scheme."]},{"id":"SRC-COMMBANK-AU-FOREIGN-CURRENCY-ACCOUNT","title":"CommBank Business Foreign Currency Account","publisher":"Commonwealth Bank of Australia","url":"https://www.commbank.com.au/business/international-business-payments/foreign-currency-accounts.html","type":"official_foreign_currency_deposit_product","authority":2,"observedAt":"2026-07-13","notes":["CommBank documents a business-only direct foreign-currency account that can hold, send and receive most freely convertible currencies without converting each payment to Australian dollars.","The current product page lists no monthly account fee and conditional interest for selected currencies; payment, cash, conversion, correspondent and wholesale credit-deposit charges remain separate.","Eligibility includes business use, an eligible CommBank AUD account and applicable ABN, ACN, ASIC registration and entity conditions."]},{"id":"SRC-COMMBANK-AU-FOREIGN-CURRENCY-TERMS","title":"CommBank Foreign Currency Accounts terms and conditions","publisher":"Commonwealth Bank of Australia","url":"https://www.commbank.com.au/content/dam/commbank/business/pds/CBA3633.pdf","type":"official_foreign_currency_account_terms","authority":2,"observedAt":"2026-07-13","notes":["The terms effective 6 March 2026 identify Commonwealth Bank of Australia as issuer and govern personal and business foreign-currency account operation.","Account authorities, deposits, withdrawals, interest, debit balances, fees, conversion, statements, holds and closure remain subject to the exact account and instruction.","The direct-ADI product label does not create FCS coverage for a foreign-currency balance because APRA excludes foreign-currency deposits from the scheme."]},{"id":"SRC-WISE-AU-PERSONAL-MULTICURRENCY","title":"Wise Australia hold-fee schedule","publisher":"Wise Australia Pty Ltd","url":"https://wise.com/au/pricing/hold-fees","type":"official_multicurrency_holding_schedule","authority":3,"observedAt":"2026-07-13","notes":["Wise lists ordinary holding in 40 or more supported currencies without a holding fee for eligible Australian customers.","Conversion, sending, receiving, card and investment actions use separate pricing and eligibility rules; a supported holding currency does not imply local receiving details.","The ordinary Wise balance is a purchased-payment-facility balance under Wise Australia's limited-ADI scope, not a conventional customer bank deposit."]},{"id":"SRC-WISE-AU-RECEIVING-FEES","title":"Wise Australia receiving details and fees","publisher":"Wise Australia Pty Ltd","url":"https://wise.com/au/pricing/receive/","type":"official_receiving_detail_fee_schedule","authority":3,"observedAt":"2026-07-13","notes":["Wise lists account details for receiving 22 currencies, with eligible domestic receipts free in listed currencies and separate fixed fees for certain Swift receipts.","A receiving detail's rail, supported sender, reference, intermediary fee and route depend on the currency-specific instructions shown in the account.","The receiving detail and Wise balance remain payment-facility features and must not be presented as a direct deposit at the bank that provides a rail."]},{"id":"SRC-REVOLUT-AU-PERSONAL-MULTICURRENCY","title":"Revolut Australia personal multicurrency account","publisher":"Revolut Payments Australia Pty Ltd","url":"https://www.revolut.com/en-AU/personal-account/","type":"official_multicurrency_wallet_product","authority":4,"observedAt":"2026-07-13","notes":["Revolut markets personal holding and exchange in 30 or more currencies together with local AUD receipt, international transfer and card features.","The current legal terms, not the marketing account label, establish that the product is a virtual e-money wallet protected by the cited bank-guarantee trust structure.","Plan, fair-use, weekend, transfer, card, ATM and third-party charges or limits remain separate and are controlled by the live plan and transaction preview."]},{"id":"SRC-AIRWALLEX-AU-GLOBAL-ACCOUNTS","title":"Airwallex Global Accounts and multicurrency wallet","publisher":"Airwallex","url":"https://www.airwallex.com/en-au/pricing","type":"official_business_multicurrency_product_schedule","authority":3,"observedAt":"2026-07-13","notes":["Airwallex lists business Global Accounts with local bank details and wallet collection and holding in 20 or more currencies, plus conversion, local payout, Swift and corporate-card capabilities.","The observed Explore price is AUD 29 monthly or AUD 0 when the stated monthly deposit-flow or combined-balance condition is met; FX, Swift and other transaction charges are separate.","Global Account details feed an Airwallex wallet protected under the separate cited bank-guarantee structure; the details are not direct customer deposits and Yield is a separate investment."]},{"id":"SRC-PAYPAL-AU-MULTICURRENCY-BALANCES","title":"PayPal Australia managing money in multiple currencies","publisher":"PayPal Australia Pty Ltd","url":"https://www.paypal.com/au/legalhub/paypal/useragreement-full?locale.x=en_AU","type":"official_multicurrency_wallet_terms","authority":2,"observedAt":"2026-07-13","notes":["PayPal may allow an Australian customer to hold balances in currencies other than Australian dollars and convert between eligible balances subject to limits and its transaction exchange rate.","Withdrawals are generally in Australian dollars, with a conditional US-dollar withdrawal path to a linked US bank account; other balances require conversion before or during withdrawal.","PayPal assigns currency fluctuation risk to the customer and prohibits speculative currency activity; the balance remains an FCS-exempt purchased payment facility."]},{"id":"SRC-PAYPAL-US-BALANCE-WITHDRAWAL","title":"Withdraw funds from a PayPal account","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/article/how-do-i-get-money-out-of-my-paypal-account-help394","type":"official_balance_withdrawal_guidance","authority":4,"observedAt":"2026-07-13","notes":["PayPal documents separate withdrawal from an eligible PayPal balance to a linked bank account or eligible debit card after money reaches PayPal.","The observed page lists standard bank transfer as typically one to three business days without a PayPal fee and Instant Transfer as typically within minutes with a fee, while bank processing, review, weekends and holidays can delay either path.","Failed bank withdrawals can return to PayPal and may incur a return fee; this downstream PayPal withdrawal is separate from Coinbase's preceding cash-out instruction."]},{"id":"SRC-COINBASE-RESTRICTED-SERVICES","title":"Coinbase available transaction types for restricted services","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/depositing-or-withdrawing-fiat-money/available-services","type":"official_account_restriction_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase says some customers restricted from depositing, withdrawing or holding a cash balance may still be able to sell crypto for local currency directly using PayPal or an eligible Visa Fast Funds debit card.","The restricted-service possibility is account, geography and product specific and does not establish a direct PayPal Sell action for every standard US account.","The authenticated account menu and restriction-resolution process control; a customer must not use another person's account, location or payment method to bypass the restriction."]},{"id":"SRC-PAYONEER-WISE-RECEIVING-GUIDANCE","title":"Payoneer receiving-account guidance for Wise withdrawals","publisher":"Payoneer","url":"https://www.payoneer.com/resources/how-to-use-payoneer/payoneer-grow/","type":"official_receiving_account_guidance","authority":5,"observedAt":"2026-07-13","notes":["Payoneer describes local receiving details by currency and explicitly says eligible customers can use those details as a withdrawal bank account in platforms and e-wallets including Wise.","The guidance remains B2B and eligibility scoped: Payoneer says it only accepts B2B payments, requires approved identity and business information, and can restrict products or request documentation.","Currency, payer, account detail, banking partner, timing and approval are customer-specific; the page does not establish a native Wise-to-Payoneer integration or universal personal-transfer route."]},{"id":"SRC-WISE-BUSINESS-SENDING","title":"Sending money as a business with Wise","publisher":"Wise","url":"https://wise.com/help/articles/2950528/how-do-i-send-money-as-a-business","type":"official_business_transfer_guidance","authority":5,"observedAt":"2026-07-13","notes":["Wise requires a Wise Business account for transfers made on behalf of a company and can require business verification before sending.","The business funding name must match the business registered with Wise; personal and business transfers are separate classifications.","Business availability, recipient eligibility, amount, currency and destination remain subject to the live transfer flow and verification."]},{"id":"SRC-WISE-BUSINESS-TRANSFER-RESTRICTIONS","title":"Wise restrictions on business transfers","publisher":"Wise","url":"https://wise.com/help/articles/2570950/are-there-any-restrictions-on-business-transfers","type":"official_business_transfer_restrictions","authority":5,"observedAt":"2026-07-13","notes":["Wise lists currency-specific limits on whether a sending or recipient account can be a business and says the majority, not every route, can receive business transfers.","USD business sender and business recipient support is listed subject to supported United States business types; other currencies have different rules.","A generally supported business currency does not establish acceptance of a specific beneficiary provider, account detail or customer."]},{"id":"SRC-AIRWALLEX-GLOBAL-ACCOUNT-DOCS","title":"Airwallex Global Accounts technical guide","publisher":"Airwallex Docs","url":"https://www.airwallex.com/docs/global-treasury/get-started/global-accounts","type":"official_receiving_account_guidance","authority":5,"observedAt":"2026-07-13","notes":["Airwallex Global Accounts expose account name, number, type, financial-institution details and supported deposit features by currency, transfer method and local clearing system.","A Global Account may support LOCAL, SWIFT or both, and different routing codes can apply to ACH, Fedwire or another clearing method.","The account status must be active and the exact authenticated supported feature controls; the guide does not promise that any arbitrary bank payment will settle."]},{"id":"SRC-AIRWALLEX-GLOBAL-ACCOUNT-DEPOSITS","title":"Receiving bank transfers to Airwallex Global Accounts","publisher":"Airwallex Docs","url":"https://www.airwallex.com/docs/accounts/receive-funds/receive-bank-transfers-to-global-accounts","type":"official_receiving_transfer_guidance","authority":5,"observedAt":"2026-07-13","notes":["Airwallex says Global Accounts can receive bank transfers through supported local methods or SWIFT from the account owner, customers, other parties and platforms.","The payer must use the retrieved Global Account details; deposits can be settled, pending or rejected before wallet credit.","This is receiving-method evidence, not a Wise-specific integration or guarantee that every Wise route, currency and customer is accepted."]},{"id":"SRC-AIRWALLEX-GLOBAL-ACCOUNT-STATUSES","title":"Airwallex Global Account status transitions","publisher":"Airwallex Docs","url":"https://www.airwallex.com/docs/accounts/get-started/global-accounts/global-account-statuses","type":"official_account_status_guidance","authority":4,"observedAt":"2026-07-13","notes":["A Global Account can be processing, active, failed or closed, and only the active state is ready for use.","Creation can fail or an account can close because of customer, Airwallex or underlying financial-institution action.","Previously issued details must therefore be rechecked before each transfer rather than treated as permanent."]},{"id":"SRC-AIRWALLEX-GLOBAL-ACCOUNT-RETURNS","title":"Managing and closing Airwallex Global Accounts","publisher":"Airwallex Docs","url":"https://www.airwallex.com/docs/accounts/get-started/global-accounts/manage-global-accounts","type":"official_return_and_reconciliation_guidance","authority":4,"observedAt":"2026-07-13","notes":["Airwallex provides Global Account transaction retrieval and account statements for reconciliation and proof of account ownership.","Incoming transfers to a closed Global Account can be rejected and returned automatically or returned through a separate payout.","A return can be smaller than the original amount because of processing charges, so the sender must reconcile amount, fee and final refund."]},{"id":"SRC-PAYPAL-US-BANK-LINKING","title":"PayPal requirements for linking a US bank account","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/article/why-cant-i-link-a-bank-account-to-my-paypal-account-help199","type":"official_destination_eligibility_guidance","authority":4,"observedAt":"2026-07-13","notes":["PayPal says the linked account must be with a United States bank and the bank-account name must match the PayPal-account name.","PayPal also lists account-link count limits, prior linkage, account limitations, negative balance, bank compatibility and failed confirmation as possible reasons linking is unavailable.","A bank's existence or ability to receive ACH does not prove that PayPal will offer it as a withdrawal destination."]},{"id":"SRC-PAYPAL-US-WITHDRAWAL-REVIEW","title":"PayPal withdrawal review guidance","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/article/why-is-my-withdrawal-being-held-for-review-help395","type":"official_withdrawal_review_guidance","authority":4,"observedAt":"2026-07-13","notes":["PayPal says withdrawals are automatically reviewed and some can be held for up to 72 hours because of account activity, network, verification, limitation or destination-detail factors.","After review, a completed status begins the ordinary transfer timeframe; review time is not included in a minutes or one-to-three-business-day headline.","PayPal communicates review updates by email and says a withdrawal cannot be cancelled during the review."]},{"id":"SRC-PAYPAL-US-WITHDRAWAL-CANCELLATION","title":"Cancelling a PayPal withdrawal","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/article/can-i-cancel-a-withdrawal-from-my-paypal-account-help494","type":"official_withdrawal_cancellation_guidance","authority":4,"observedAt":"2026-07-13","notes":["PayPal says a withdrawal cannot be cancelled after initiation because its automated processing begins immediately.","A user who made a mistake generally must wait for completion, ask the bank about any available reversal or wait for an automatic failure return.","Incorrect information can cause the money to return to PayPal and a return fee may apply; a new transfer is a separate action."]},{"id":"SRC-PAYPAL-US-TRANSFER-ERRORS","title":"PayPal transfer error and pending-state guidance","publisher":"PayPal","url":"https://securepayments.paypal.com/us/cshelp/article/paypal-error-messages-when-trying-to-transfer-money-help408","type":"official_transfer_error_guidance","authority":4,"observedAt":"2026-07-13","notes":["PayPal identifies live weekly limits, account limitations, instant-transfer destination ineligibility and mismatched bank information as transfer-error causes.","The help page recommends a different eligible destination or standard transfer when Instant Transfer is unavailable rather than assuming every linked account supports both methods.","A requested transfer shown as pending can be undergoing PayPal internal review."]},{"id":"SRC-PAYPAL-US-WITHDRAWAL-SUPPORT","title":"PayPal support routes for withdrawals and transfers","publisher":"PayPal","url":"https://www.paypal.com/us/cshelp/contact-us?v=1","type":"official_support_guidance","authority":4,"observedAt":"2026-07-13","notes":["PayPal's authenticated support routing includes withdrawal and transfer topics together with holds, declines, refunds and missing payments.","A bank-side posting or rejection can also require contact with the linked bank; support ownership depends on the current transfer state.","The support page does not establish a guaranteed complaint outcome or resolution time."]},{"id":"SRC-PAYONEER-WITHDRAW-FAQ","title":"Payoneer Withdraw to bank FAQ","publisher":"Payoneer Customer Care","url":"https://payoneer.custhelp.com/app/answers/detail/a_id/18605/~/withdraw-to-bank---faq","type":"official_withdrawal_guidance","authority":5,"observedAt":"2026-07-13","notes":["Payoneer separates a customer-owned personal or company bank account under Your bank accounts from a third-party account under Recipient bank accounts.","Individual and company withdrawal-account names must match the Payoneer customer, and a newly added bank account is reviewed and usually takes up to three business days for approval.","Most confirmed withdrawals are described as same day or up to two business days, while fees, limits, currency conversion, feature availability and the live estimated deposit date remain account-specific."]},{"id":"SRC-PAYONEER-WITHDRAW-STATUS","title":"Payoneer bank-withdrawal status and return guidance","publisher":"Payoneer Customer Care","url":"https://payoneer.custhelp.com/app/answers/detail/a_id/33947/~/qual-%C3%A9-o-status-da-minha-retirada%3F","type":"official_withdrawal_status_guidance","authority":4,"observedAt":"2026-07-13","notes":["Payoneer directs customers to the Transactions page to track Withdrawal to bank records and download the confirmation for a bank trace.","If five business days pass without receipt, the customer should verify bank details and contact Payoneer when the details are correct.","Incorrect bank details can cause return to the Payoneer account within up to 14 business days; return is not immediate and retry should wait for final credit."]},{"id":"SRC-PAYONEER-BANK-NAME-MATCH","title":"Payoneer account and bank-account name matching","publisher":"Payoneer Customer Care","url":"https://payoneer.custhelp.com/app/answers/detail/a_id/36765/~/payoneer-account-holder-name-and-bank-account-holder-name-matching---faq","type":"official_destination_ownership_guidance","authority":4,"observedAt":"2026-07-13","notes":["Payoneer requires the bank-account holder name used during signup to match the Payoneer personal or company account name.","An eligible bank account under a different name belongs under Recipient bank accounts rather than the customer's withdrawal-account list.","The distinction prevents a supplier payment from being mislabeled as withdrawal to the customer's own bank."]},{"id":"SRC-REVOLUT-UK-SEND-BANK","title":"Sending money from Revolut to a bank account","publisher":"Revolut United Kingdom Help Centre","url":"https://help.revolut.com/help/transfers/outbound-transfers/how-to-send-money-to-another-bank/how-do-i-send-money-to-a-bank-account/","type":"official_payment_guidance","authority":4,"observedAt":"2026-07-13","notes":["Revolut documents an outbound bank-transfer flow through Payments using a bank or international recipient and the destination-specific details requested in-app.","The customer sees the estimated arrival, fee breakdown and any amount limit before sending, while the outbound transfer tool tracks the submitted payment.","A bank transfer remains separate from a transfer to a card number, an internal Revolut transfer, an ATM withdrawal and a crypto withdrawal."]},{"id":"SRC-REVOLUT-UK-BENEFICIARY","title":"Add, edit or delete a Revolut bank beneficiary","publisher":"Revolut United Kingdom Help Centre","url":"https://help.revolut.com/help/transfers/bank-transfers-getting-started/question-how-to-add-edit-delete-beneficiary/","type":"official_recipient_guidance","authority":4,"observedAt":"2026-07-13","notes":["Revolut lets an eligible customer add a Bank recipient under Payments and saves the beneficiary details for later transfers.","An account number or IBAN can be edited from the saved beneficiary, but the current owner, bank instruction and destination fields still need to be verified before sending.","Saving or editing a beneficiary does not guarantee the recipient, currency, amount, payment scheme or later transfer will pass review."]},{"id":"SRC-REVOLUT-UK-PERSONAL-FEES","title":"Revolut United Kingdom personal fees across current plans","publisher":"Revolut Bank UK Ltd","url":"https://www.revolut.com/legal/personal-current-account-fees/","type":"official_fee_schedule","authority":2,"observedAt":"2026-07-13","notes":["The current schedule lists same-country same-currency transfers to UK accounts and EUR SEPA payments as free across the named personal plans.","Non-SEPA international payments and transfers to a supported card have transaction-specific fees shown in-app, with plan-specific international discounts and separate exchange pricing.","Intermediary deductions and the optional Pay All Fees choice are distinct from Revolut's transfer fee and must be read from the final quote."]},{"id":"SRC-REVOLUT-UK-TRANSFER-TIMEFRAMES","title":"Revolut United Kingdom bank-transfer timeframes","publisher":"Revolut United Kingdom Help Centre","url":"https://help.revolut.com/help/transfers/bank-transfers/timeframes-for-transfers/","type":"official_timing_guidance","authority":4,"observedAt":"2026-07-13","notes":["Revolut says an outbound UK local transfer can take up to one business day, SEPA Instant a few minutes, regular SEPA up to two business days and SWIFT up to two business days.","The in-app transfer tracker provides payment-specific dates, so method ranges are not guaranteed arrival promises.","FPS, Bacs, CHAPS, SEPA and SWIFT describe different incoming or outgoing contexts and their timing must not be merged."]},{"id":"SRC-REVOLUT-UK-TRANSFER-STATUS","title":"Locate a bank transfer sent from Revolut","publisher":"Revolut United Kingdom Help Centre","url":"https://help.revolut.com/help/transfers/outbound-transfers/having-an-issue-with-sending-money/my-recipient-has-not-received-the-money-i-sent/?lang=en","type":"official_transfer_status_guidance","authority":4,"observedAt":"2026-07-13","notes":["A pending transfer can reflect holidays, processing checks, requested information, incorrect details or an unsupported currency or scheme and can remain pending for up to 72 hours.","After Revolut marks a transfer completed, the recipient bank can still take another one or two business days to credit it; the transfer confirmation supports a bank trace.","Reverted funds can take up to five business days for a domestic transfer and up to fifteen business days for an international transfer to reach the Revolut account."]},{"id":"SRC-REVOLUT-UK-TRANSFER-REVERTED","title":"Why an outbound Revolut bank transfer was reverted","publisher":"Revolut United Kingdom Help Centre","url":"https://help.revolut.com/help/transfers/outbound-transfers/having-an-issue-with-sending-money/why-was-my-outbound-bank-transfer-returned/","type":"official_return_guidance","authority":4,"observedAt":"2026-07-13","notes":["A reverted transfer was sent but stopped by an intermediary or rejected by the beneficiary bank, unlike a transfer that failed before funds left.","Revolut lists incorrect details, a closed account, wrong currency, wrong transfer type and compliance reasons among possible causes.","The cited page gives up to five business days for domestic reverted funds and fifteen to twenty days for international reverted funds, subject to the actual path."]},{"id":"SRC-REVOLUT-UK-TRANSFER-CANCEL","title":"Cancel or recall a Revolut bank transfer","publisher":"Revolut United Kingdom Help Centre","url":"https://help.revolut.com/help/transfers/outbound-transfers/having-an-issue-with-sending-money/i-want-to-cancel-a-transfer/","type":"official_cancellation_guidance","authority":4,"observedAt":"2026-07-13","notes":["Cancellation depends on payment type, destination and timing; only an eligible transaction shows a Cancel button in the transfer tracker.","An eligible recall asks the recipient bank to reverse funds but is not guaranteed and has no guaranteed completion time.","Wrong recipient details can bounce back within about five working days for local transfers or up to twenty working days for SWIFT, and a sent payment must not be treated as editable."]},{"id":"SRC-REVOLUT-UK-BANK-TRANSFER-FEES","title":"Revolut United Kingdom bank-transfer fees","publisher":"Revolut United Kingdom Help Centre","url":"https://help.revolut.com/help/transfers/bank-transfers/which-fees-are-charged-for-a-bank-transfer/","type":"official_fee_guidance","authority":4,"observedAt":"2026-07-13","notes":["Revolut says UK GBP local transfers and EUR SEPA transfers do not carry a Revolut bank-transfer fee, while other international transfers show a fee before sending.","External and intermediary banks can deduct charges that Revolut does not control or see; SWIFT handling can therefore differ from the app fee.","Receiving, card-transfer and currency-conversion fees are separate actions and must not be combined into a single universal bank-transfer percentage."]},{"id":"SRC-CASH-APP-US-BITCOIN-SEND","title":"Send and withdraw Bitcoin with Cash App","publisher":"Cash App","url":"https://cash.app/bitcoin","type":"official_crypto_transfer_guidance","authority":4,"observedAt":"2026-07-13","notes":["Cash App documents sending Bitcoin from the Bitcoin tab to a Bitcoin address or compatible Lightning destination, subject to identity, account, location and live withdrawal eligibility.","On-chain Bitcoin can take minutes to hours depending on network activity, while Lightning is a separate near-instant payment method whose destination must support Lightning.","A Cash App Bitcoin withdrawal is distinct from selling Bitcoin into Cash App cash, sending dollars, using Cash App Card or withdrawing fiat to a bank."]},{"id":"SRC-CASH-APP-US-BITCOIN-FEES","title":"Cash App Bitcoin fees and withdrawal speeds","publisher":"Cash App","url":"https://cash.app/bitcoin/fees","type":"official_fee_guidance","authority":4,"observedAt":"2026-07-13","notes":["Cash App states that standard-speed Bitcoin withdrawals carry no Cash App withdrawal fee and are ordinarily completed within twenty-four hours or less, with a live minimum and eligibility conditions.","Priority on-chain pricing, transaction availability, minimums and network conditions remain live-transfer facts; the confirmation screen controls.","Cash App states it charges no Lightning Network fee, but the receiving invoice, amount, expiry, location and route must still be compatible."]},{"id":"SRC-COINBASE-US-RECEIVE-CRYPTO","title":"Receive supported crypto into Coinbase","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/cryptocurrency-trading-pairs/steps-to-receive-crypto?query=receive+crypto","type":"official_crypto_transfer_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase lets an eligible customer choose the asset and supported network, then copy the generated address or QR code for an inbound crypto transfer.","The sender must use the exact asset, supported network, address and any required memo or tag; Coinbase says funds on an incorrect network can be lost and unrecoverable.","Account limitations, identity or two-step verification and other requested tasks can delay access to an otherwise valid inbound transfer."]},{"id":"SRC-COINBASE-BITCOIN-LIGHTNING","title":"Receive Bitcoin over Lightning at Coinbase","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/lightning","type":"official_crypto_network_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase supports eligible Bitcoin Lightning receives through a newly generated invoice rather than a Lightning address.","The invoice encodes the amount and expires after seventy-two hours; a normal on-chain Bitcoin address cannot be substituted for the invoice.","Coinbase says Lightning is unavailable in New York and Canada, so location and live account availability must pass."]},{"id":"SRC-COINBASE-BTC-CONFIRMATIONS","title":"Coinbase Bitcoin confirmation requirement","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/getting-started/crypto-education/glossary/confirmations","type":"official_network_confirmation_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase describes a Bitcoin transaction as unconfirmed until it enters a block and lists two confirmations for its cited finality threshold.","A broadcast transaction, first confirmation, Coinbase finality threshold and spendable account credit are separate states.","Network congestion and Coinbase review can extend the user-visible credit beyond an ordinary block interval."]},{"id":"SRC-COINBASE-SEND-RECEIVE-TROUBLESHOOT","title":"Coinbase send and receive troubleshooting","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/cryptocurrency-trading-pairs/send-and-receive-troubleshooting","type":"official_operational_guidance","authority":4,"observedAt":"2026-07-13","notes":["For a missing receive, Coinbase directs the customer to confirm the exact address and expected network and obtain the sender's block-explorer link.","Coinbase states it cannot recover funds sent on the wrong network and can require identity, address or account-information tasks before credit.","A pending or completed sender label must be reconciled with blockchain confirmations and Coinbase account alerts before any retry."]},{"id":"SRC-COINBASE-US-SEND-CRYPTO","title":"Send supported crypto from Coinbase","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/cryptocurrency-trading-pairs/steps-to-send-crypto","type":"official_crypto_transfer_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase documents an on-chain send from a primary balance to an external blockchain address after the customer selects the asset, amount, supported network and recipient destination.","The customer previews the send, reviews the details and may need two-step verification; Coinbase states that an on-chain send is irreversible and cannot be recovered after an incorrect address or network is used.","A displayed crypto amount is not automatically available to send: an attempt above the available crypto balance can require a separate top-up, while account transfer-protection settings can also apply."]},{"id":"SRC-COINBASE-US-CRYPTO-SEND-FEES","title":"Coinbase crypto transfer fee disclosures","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/pricing-and-fees/fees","type":"official_fee_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase charges an estimated network fee for an external wallet-to-wallet send, discloses the charge at transaction time and notes that its eventual network payment can differ because of batching or congestion.","Coinbase currently states that a Bitcoin send over Lightning carries a processing fee equal to 0.2 percent of the transferred Bitcoin amount, subject to the live preview and future fee changes.","Crypto transfer fees, cash add-or-withdraw fees and trading fees or spreads describe separate actions and must not be combined into one route price."]},{"id":"SRC-COINBASE-BITCOIN-LIGHTNING-SEND","title":"Send Bitcoin over Lightning from Coinbase","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/lightning","type":"official_crypto_network_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase documents Lightning sends only when the recipient supplies a newly generated amount-specific invoice; the sender adds that invoice, reviews the recognized amount and network, then approves the send.","Coinbase says it supports Lightning invoices rather than Lightning addresses, and warns that a send entered as a Lightning address can instead be treated like an email-address transfer and remain pending.","The documented invoice expires after seventy-two hours, Lightning is unavailable in New York and Canada, and some self-custody wallet implementations can take hours or fail."]},{"id":"SRC-COINBASE-PENDING-CRYPTO","title":"Coinbase pending crypto transaction states","publisher":"Coinbase Help","url":"https://help.coinbase.com/en/coinbase/trading-and-funding/sending-or-receiving-cryptocurrency/why-is-my-transaction-pending","type":"official_transfer_status_guidance","authority":4,"observedAt":"2026-07-13","notes":["Coinbase distinguishes a Pending crypto transaction from a Completed one and lists network sync, insufficient confirmations or fee, unconfirmed inputs, congestion and network rejection among possible causes.","An on-chain pending state must be reconciled with the original transaction and block explorer rather than retried as a new send.","A Lightning invoice can remain pending until the sender completes the transfer or the seventy-two-hour invoice period expires, so an invoice state is not evidence of Cash App credit."]},{"id":"SRC-CASH-APP-US-BITCOIN-RECEIVE","title":"Receive Bitcoin with Cash App","publisher":"Cash App","url":"https://cash.app/learn/save-invest/what-is-bitcoin","type":"official_crypto_transfer_guidance","authority":4,"observedAt":"2026-07-13","notes":["Cash App documents receiving Bitcoin by sharing the authenticated account's on-chain Bitcoin address or the Lightning destination or QR code currently shown in the app.","Cash App says an on-chain receipt appears after network confirmation, while a Lightning receipt requires both wallets to support the same Lightning method.","The public receiver guidance does not establish that a displayed Lightning address is the amount-specific invoice Coinbase requires, so compatibility must be confirmed from the live Cash App QR or invoice before sending."]},{"id":"SRC-REG-AU-APRA-SCOPE","title":"APRA functions and supervised sectors","publisher":"Australian Prudential Regulation Authority","url":"https://www.apra.gov.au/about-us/our-functions","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["APRA identifies licensing, prudential policy, supervision, enforcement and resolution functions across authorised deposit-taking institutions, insurers and most superannuation entities.","APRA also describes the Financial Claims Scheme in resolution; sector supervision alone does not prove a named product's protection or a named provider's authorisation."]},{"id":"SRC-REG-AU-ASIC-SCOPE","title":"ASIC role and statutory objectives","publisher":"Australian Securities and Investments Commission","url":"https://www.asic.gov.au/about-asic/what-we-do/our-role/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["ASIC describes itself as Australia's integrated corporate, markets, financial-services and consumer-credit regulator.","ASIC conduct and market functions must not be presented as APRA prudential supervision, a banking authorisation or deposit protection."]},{"id":"SRC-REG-AU-RBA-PAYMENTS","title":"Reserve Bank of Australia payments-system role","publisher":"Reserve Bank of Australia","url":"https://www.rba.gov.au/payments-and-infrastructure/payments-system.html","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The RBA states that its Payments System Board oversees the Australian payments system and that the Bank has payment-system and financial-market-infrastructure stability responsibilities.","Payment-system regulation and operation are not proof of a provider licence, consumer complaint outcome or product availability."]},{"id":"SRC-REG-AU-AUSTRAC-SCOPE","title":"AUSTRAC role and virtual-asset supervision","publisher":"Australian Transaction Reports and Analysis Centre","url":"https://www.austrac.gov.au/about-us","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["AUSTRAC identifies its dual role as Australia's AML/CTF regulator and financial intelligence unit; current official material also describes in-scope virtual-asset service-provider supervision.","AML/CTF registration or supervision is not a banking, securities or investment authorisation."]},{"id":"SRC-REG-BR-BCB-SCOPE","title":"Banco Central do Brasil functions","publisher":"Banco Central do Brasil","url":"https://www.bcb.gov.br/en/about/faq","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["BCB lists regulation and supervision of the national financial system and management and operation of the Brazilian payments system among its principal tasks.","BCB scope does not replace CVM securities oversight and does not prove an individual institution's authorisation or product availability."]},{"id":"SRC-REG-BR-CVM-SCOPE","title":"CVM purpose and securities-market responsibilities","publisher":"Comissão de Valores Mobiliários","url":"https://www.gov.br/cvm/pt-br/acesso-a-informacao-cvm/institucional/missao-valores-e-objetivos-estrategicos/proposito-e-valores-da-cvm","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["CVM states that its purpose is the efficient operation, integrity and development of Brazil's capital market with effective investor protection.","Securities-market oversight is not a banking or payment-institution authorisation and is not deposit protection."]},{"id":"SRC-REG-CA-OSFI-SCOPE","title":"OSFI federal prudential mandate","publisher":"Office of the Superintendent of Financial Institutions","url":"https://www.osfi-bsif.gc.ca/en/about-osfi","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["OSFI describes its mandate as regulation and supervision of federally regulated financial institutions and private pension plans.","The federal prudential mandate does not cover every provincial entity and remains separate from federal consumer, payment and provincial securities responsibilities."]},{"id":"SRC-REG-CA-FCAC-SCOPE","title":"FCAC consumer-protection mandate","publisher":"Financial Consumer Agency of Canada","url":"https://www.canada.ca/en/financial-consumer-agency/corporate/mandate.html","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["FCAC says it supervises federally regulated financial entities, external complaint bodies and payment-card network operators for applicable consumer-protection measures.","FCAC is not the prudential regulator and does not cover every provincially regulated financial service or resolve every individual dispute."]},{"id":"SRC-REG-CA-BOC-RETAIL-PAYMENTS","title":"Bank of Canada retail-payments supervision","publisher":"Bank of Canada","url":"https://www.bankofcanada.ca/regulatory-oversight/retail-payments/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The Bank of Canada documents registration, supervision and enforcement for payment service providers subject to the Retail Payment Activities Act, focused on operational risk and end-user-fund safeguarding.","The mandate excludes broad dispute resolution, fee complaints and bank or deposit-insurance determinations."]},{"id":"SRC-REG-FR-ACPR-SCOPE","title":"ACPR authorisation and supervisory mandate","publisher":"Autorité de contrôle prudentiel et de résolution","url":"https://acpr.banque-france.fr/en/lacpr/about-us","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["ACPR states that it authorises and supervises banking and insurance institutions and intermediaries and has prudential, customer-protection and AML/CTF responsibilities.","Its work sits within a European framework and overlaps with ECB and AMF responsibilities; the mandate does not prove a provider's permission."]},{"id":"SRC-REG-FR-AMF-SCOPE","title":"AMF market and investor-protection mandate","publisher":"Autorité des marchés financiers","url":"https://www.amf-france.org/en/amf/our-missions","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["AMF describes regulation of French financial markets, participants, investment products and specified digital-asset service providers, with investor information and protection duties.","AMF status is not an ACPR banking permission, deposit protection or investment-value guarantee."]},{"id":"SRC-REG-DE-BAFIN-SCOPE","title":"BaFin integrated financial-supervision scope","publisher":"Bundesanstalt für Finanzdienstleistungsaufsicht","url":"https://kontenvergleich.bafin.de/en/good-to-know","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["BaFin's official account-comparison guidance identifies BaFin as supervisor of banks, financial-services providers, insurance undertakings and securities trading, and notes collective consumer-protection and resolution roles.","European and Bundesbank responsibilities overlap, and each permission remains entity- and activity-specific."]},{"id":"SRC-REG-IN-RBI-SCOPE","title":"Reserve Bank of India functions","publisher":"Reserve Bank of India","url":"https://systemhealth.rbi.org.in/Scripts/AboutusDisplay.aspx.html","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["RBI lists financial-system regulation and supervision, foreign-exchange management and payment and settlement system regulation and supervision among its main functions.","RBI functions do not replace SEBI securities regulation or prove a particular institution, payment product or remittance permission."]},{"id":"SRC-REG-IN-SEBI-SCOPE","title":"SEBI establishment and securities-market functions","publisher":"Securities and Exchange Board of India","url":"https://www.sebi.gov.in/about-sebi.html","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["SEBI states its core functions are protecting securities investors, developing and regulating the securities market.","SEBI regulation is not a bank or payment-system authorisation, deposit protection or investment-performance endorsement."]},{"id":"SRC-REG-MX-CNBV-SCOPE","title":"CNBV statutory supervisory object","publisher":"Comisión Nacional Bancaria y de Valores","url":"https://www.cnbv.gob.mx/TRANSPARENCIA/Paginas/Objeto.aspx","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["CNBV states that it supervises and regulates entities and activities placed within its competence by Mexican financial law to support system stability and protect the public interest.","CNBV responsibility overlaps with Banco de México payment functions and CONDUSEF consumer protection; entity type must be read exactly."]},{"id":"SRC-REG-MX-BANXICO-PAYMENTS","title":"Banco de México payment and market-infrastructure functions","publisher":"Banco de México","url":"https://www.banxico.org.mx/payment-systems/policy-and-functions-of-the-b.html","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["Banco de México documents its operation, regulation and supervision of payment systems and financial-market infrastructures, including SPEI and systemically important arrangements.","Payment oversight does not establish a CNBV institution authorisation or guarantee access to a specific rail."]},{"id":"SRC-REG-MX-CONDUSEF-SCOPE","title":"CONDUSEF financial-consumer mandate","publisher":"Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros","url":"https://www.condusef.gob.mx/?p=que_hacemos","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["CONDUSEF describes financial-consumer orientation, complaints, protection, defence, education and public registers among its functions.","A CONDUSEF record or complaint channel is not a prudential authorisation, bank charter or product-quality conclusion."]},{"id":"SRC-REG-SA-SAMA-SCOPE","title":"Saudi Central Bank functions","publisher":"Saudi Central Bank","url":"https://www.sama.gov.sa/en-US/About/Pages/SAMAFunction.aspx","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["SAMA lists regulation and supervision of financial institutions and payment, settlement and clearing systems, plus prudential and customer-protection functions.","The integrated scope excludes separate capital-market authority functions and does not prove a named licence or product permission."]},{"id":"SRC-REG-SA-CMA-SCOPE","title":"Saudi Capital Market Authority establishment and role","publisher":"Capital Market Authority","url":"https://cma.org.sa/en/AboutCMA","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The CMA identifies itself as the independent government authority created under the Capital Market Law for the Saudi capital market.","CMA capital-market oversight is separate from SAMA banking and payments supervision and does not guarantee investment value."]},{"id":"SRC-REG-SG-MAS-SCOPE","title":"MAS integrated financial-regulator role page","publisher":"Monetary Authority of Singapore","url":"https://www.mas.gov.sg/who-we-are/what-we-do","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The current official MAS role URL returned a temporary service-unavailable page during this observation; established official descriptions identify MAS as Singapore's central bank and integrated financial regulator.","The record is deliberately medium-confidence and must be rechecked before launch; permissions remain entity- and activity-specific."]},{"id":"SRC-REG-ZA-PA-SCOPE","title":"South African Prudential Authority mandate","publisher":"South African Reserve Bank Prudential Authority","url":"https://www.resbank.co.za/en/home/what-we-do/Prudentialregulation","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The Prudential Authority describes its responsibility for banks, insurers, co-operative financial institutions, financial conglomerates and certain market infrastructures.","Its prudential mandate overlaps with FSCA conduct regulation and SARB payment oversight and does not prove a named licence."]},{"id":"SRC-REG-ZA-FSCA-SCOPE","title":"FSCA market-conduct mandate","publisher":"Financial Sector Conduct Authority","url":"https://www.fsca.co.za/About-Us/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["FSCA states that it regulates and supervises financial-institution market conduct to support system integrity and protect financial customers.","Market-conduct supervision is not Prudential Authority licensing and does not establish product availability or protection."]},{"id":"SRC-REG-ZA-SARB-PAYMENTS","title":"SARB national payment-system oversight and supervision","publisher":"South African Reserve Bank","url":"https://www.resbank.co.za/en/home/what-we-do/payments-and-settlements/regulation-oversight-and-supervision","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["SARB states that it is legally responsible for oversight and supervision of the national payment system and in-scope payment-service and infrastructure entities.","Payment-system scope is distinct from PA prudential and FSCA conduct supervision and does not guarantee consumer transfer outcomes."]},{"id":"SRC-REG-CH-FINMA-SCOPE","title":"FINMA independent supervisory mandate","publisher":"Swiss Financial Market Supervisory Authority","url":"https://www.finma.ch/en/finma/finma-an-overview/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["FINMA identifies itself as Switzerland's independent financial-markets regulator supervising banks, insurers, financial institutions, collective investments and related market activity.","Authorisation and registration types differ by activity and do not establish a universal permission, deposit guarantee or investment endorsement."]},{"id":"SRC-REG-CH-SNB-PAYMENTS","title":"Swiss National Bank payment-transactions mandate","publisher":"Swiss National Bank","url":"https://www.snb.ch/en/the-snb/mandates-goals/payment-transactions","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The SNB states that it must facilitate and secure cashless payment systems and acts as system manager for Swiss Interbank Clearing.","Payment-system responsibilities are not FINMA institution authorisation and do not prove access to a specific product or rail."]},{"id":"SRC-REG-AE-CBUAE-SCOPE","title":"Central Bank of the UAE responsibilities","publisher":"Central Bank of the United Arab Emirates","url":"https://www.centralbank.ae/en/about/about-cbuae/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["CBUAE identifies banking and insurance supervision, licensed financial activities, consumer protection and financial-infrastructure systems among its current responsibilities.","Financial free zones and in-scope Dubai virtual-asset activities use separate authorities; CBUAE's mandate does not prove a provider's exact licence."]},{"id":"SRC-REG-AE-SCA-SCOPE","title":"UAE Securities and Commodities Authority regulatory philosophy","publisher":"Securities and Commodities Authority","url":"https://www.sca.gov.ae/Content/Userfiles/Assets/Documents/4ce84766.pdf","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["SCA official material describes federal regulation and oversight of UAE onshore securities and commodities markets and related financial services and infrastructure.","SCA scope does not replace CBUAE or the distinct DFSA, FSRA and VARA jurisdictional perimeters."]},{"id":"SRC-REG-AE-VARA-SCOPE","title":"VARA Dubai virtual-asset jurisdiction","publisher":"Virtual Assets Regulatory Authority","url":"https://www.vara.ae/en/about-vara/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["VARA states that it regulates, supervises and oversees virtual assets and related activities across Dubai, including free zones, while excluding the DIFC.","VARA scope is not a bank, deposit-protection or general securities permission and must not be extended outside Dubai's stated perimeter."]},{"id":"SRC-REG-AE-DFSA-SCOPE","title":"DFSA financial-services jurisdiction in the DIFC","publisher":"Dubai Financial Services Authority","url":"https://www.dfsa.ae/about-dfsa/who-we-are/the-dfsa","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["DFSA describes itself as the independent regulator of financial services conducted in or from the DIFC across banking, investments, markets, money services and specified token activity.","DFSA jurisdiction does not establish onshore CBUAE, SCA or VARA permissions and every authorised activity requires register-level review."]},{"id":"SRC-REG-AE-FSRA-SCOPE","title":"ADGM Financial Services Regulatory Authority scope","publisher":"Abu Dhabi Global Market","url":"https://www.adgm.com/financial-services-regulatory-authority","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["ADGM describes the FSRA's financial-services regulatory framework, authorisation, market-integrity, customer, investor, AML/CFT, securities and virtual-asset responsibilities within ADGM.","FSRA jurisdiction is limited to ADGM and does not establish CBUAE, SCA, VARA or DFSA permissions."]},{"id":"SRC-REG-GB-PRA-SCOPE","title":"PRA authorisation scope","publisher":"Bank of England Prudential Regulation Authority","url":"https://www.bankofengland.co.uk/prudential-regulation/Authorisations/new-firm-authorisation","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The PRA states that banks, building societies, credit unions, insurers and Lloyd's managing agents apply to it for authorisation; separate official material identifies designated investment-firm supervision.","PRA prudential supervision overlaps with FCA conduct regulation and does not establish compensation-scheme coverage or a product's exact status."]},{"id":"SRC-REG-GB-FCA-SCOPE","title":"FCA role, objectives and regulatory perimeter","publisher":"Financial Conduct Authority","url":"https://www.fca.org.uk/about/what-we-do/the-fca","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The FCA describes UK financial-services conduct regulation, authorisation and registration, consumer protection, market integrity, competition and specified prudential responsibilities.","FCA authorisation and crypto registration are different states and are not PRA bank supervision, deposit protection or investment approval."]},{"id":"SRC-REG-GB-PSR-SCOPE","title":"Payment Systems Regulator purpose and current transition","publisher":"Payment Systems Regulator","url":"https://www.psr.org.uk/about-us/the-psr-purpose/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The PSR documents economic regulation of designated payment systems focused on user interests, competition and innovation; current official material also notes planned consolidation into the FCA.","The PSR does not resolve individual payment disputes, and its transition status must be rechecked at launch."]},{"id":"SRC-REG-US-OCC-SCOPE","title":"OCC chartering and supervisory responsibilities","publisher":"Office of the Comptroller of the Currency","url":"https://www.occ.gov/about/what-we-do/index-what-we-do.html","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The OCC describes chartering, regulation and supervision of national banks, federal savings associations and federal branches and agencies of foreign banks.","US banking supervision depends on charter and activity, and OCC jurisdiction does not cover every state bank, nonbank, securities product or crypto activity."]},{"id":"SRC-REG-US-FED-SCOPE","title":"Federal Reserve supervision and payments functions","publisher":"Board of Governors of the Federal Reserve System","url":"https://www.federalreserve.gov/aboutthefed/fedexplained/who-we-are.htm","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The Federal Reserve lists financial-institution supervision and regulation, payment and settlement system safety and efficiency, and consumer protection among its functions.","It shares banking supervision with the OCC, FDIC and states, and its payment role does not prove a private provider's licence or feature availability."]},{"id":"SRC-REG-US-FDIC-SCOPE","title":"FDIC deposit-insurance, supervision and resolution functions","publisher":"Federal Deposit Insurance Corporation","url":"https://www.fdic.gov/about/what-we-do","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The FDIC identifies deposit insurance, direct supervision of state nonmember banks and failed-bank resolution among its functions.","Insurance covers eligible deposits at insured banks under ownership rules, not securities, crypto, nonbank failure or every balance presented by a fintech app."]},{"id":"SRC-REG-US-CFPB-SCOPE","title":"CFPB consumer-financial protection functions","publisher":"Consumer Financial Protection Bureau","url":"https://www.consumerfinance.gov/about-us/the-bureau/","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The CFPB describes federal consumer-financial law enforcement, supervision, complaints, education, research and market monitoring as core functions.","CFPB jurisdiction is not a bank charter, prudential licence, deposit-insurance determination or proof that a named company is under current examination."]},{"id":"SRC-REG-US-SEC-SCOPE","title":"SEC capital-markets mission","publisher":"U.S. Securities and Exchange Commission","url":"https://www.sec.gov/about/mission","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["The SEC states its mission is investor protection, fair, orderly and efficient markets, and capital formation under federal securities law.","An SEC filing, registration or enforcement status is not a bank licence, deposit protection, recommendation or guarantee of value."]},{"id":"SRC-REG-US-FINCEN-SCOPE","title":"FinCEN Bank Secrecy Act and financial-intelligence functions","publisher":"Financial Crimes Enforcement Network","url":"https://www.fincen.gov/about-fincen/what-we-do","type":"official_regulator_mandate","authority":1,"observedAt":"2026-07-13","notes":["FinCEN describes administration and enforcement of the Bank Secrecy Act framework and financial-intelligence collection and analysis, including obligations for in-scope money services businesses.","FinCEN registration is not a bank, state money-transmission or securities licence and is not a virtual-asset provider endorsement."]},{"id":"SRC-PROTECTION-CA-CIPF","title":"CIPF coverage limits and insolvency boundary","publisher":"Canadian Investor Protection Fund","url":"https://www.cipf.ca/faq","type":"official_protection_scheme","authority":1,"observedAt":"2026-07-13","notes":["CIPF describes separate CAD 1 million limits for combined general accounts, combined retirement accounts and combined RESPs when property is missing after a member firm's insolvency.","Coverage restores eligible missing property within the scheme rules; it does not compensate market loss, unsuitable advice or every investment product."]},{"id":"SRC-PROTECTION-CA-RPAA-SAFEGUARDING","title":"Retail payment end-user funds safeguarding","publisher":"Bank of Canada","url":"https://www.bankofcanada.ca/end-user-funds-safeguarding/","type":"official_safeguarding_regulation","authority":1,"observedAt":"2026-07-13","notes":["The Bank of Canada explains that in-scope payment service providers holding end-user funds must safeguard them through a trust account or a separate account combined with insurance or a guarantee.","Safeguarding is an insolvency-protection mechanism, not a fixed government compensation limit or evidence that every balance at every payment app qualifies."]},{"id":"SRC-PROTECTION-DE-EDW","title":"EdW investor compensation scope and limit","publisher":"Compensation Scheme of Securities Trading Companies","url":"https://www.e-d-w.de/About-EdW/","type":"official_protection_scheme","authority":1,"observedAt":"2026-07-13","notes":["EdW describes statutory compensation of 90% of eligible liabilities from securities transactions up to EUR 20,000 per investor when a member cannot meet covered obligations.","The scheme is not deposit insurance, does not cover investment performance and applies only to eligible claims against assigned institutions."]},{"id":"SRC-PROTECTION-MX-IPAB-2026","title":"IPAB protection for bank deposits","publisher":"Instituto para la Proteccion al Ahorro Bancario","url":"https://www.gob.mx/ipab/acciones-y-programas/obligaciones-garantizadas","type":"official_protection_scheme","authority":1,"observedAt":"2026-07-13","notes":["IPAB identifies guaranteed bank obligations up to 400,000 UDIS per person per multiple-banking institution, subject to statutory eligibility and exclusions.","The bank-deposit guarantee is distinct from SOFIPO protection and does not attach automatically to e-money, investments or every product shown by a financial app."]},{"id":"SRC-PROTECTION-GB-FSCS-DEPOSITS-2026","title":"FSCS deposit protection from 1 December 2025","publisher":"Financial Services Compensation Scheme","url":"https://protected.fscs.org.uk/what-we-cover/banks-building-societies-credit-unions/","type":"official_protection_scheme","authority":1,"observedAt":"2026-07-13","notes":["FSCS states that eligible deposits are protected up to GBP 120,000 per eligible person per UK-authorised bank, building society or credit union from 1 December 2025, with aggregation across brands sharing a banking licence.","Eligible temporary high balances may receive additional protection up to GBP 1.4 million for six months; eligibility, event and account-holder rules still control."]},{"id":"SRC-PROTECTION-GB-FSCS-INVESTMENTS","title":"FSCS investment protection","publisher":"Financial Services Compensation Scheme","url":"https://protected.fscs.org.uk/what-we-cover/investments/","type":"official_protection_scheme","authority":1,"observedAt":"2026-07-13","notes":["FSCS describes eligible investment claims up to GBP 85,000 per eligible person per failed firm for failures from 1 April 2019.","Protection depends on the firm, regulated activity, claimant and product; it does not cover ordinary investment performance or prove that every investment is protected."]},{"id":"SRC-PROTECTION-GB-PAYMENT-SAFEGUARDING","title":"Safeguarding requirements for payment and e-money firms","publisher":"Financial Conduct Authority","url":"https://www.fca.org.uk/firms/emi-payment-institutions-safeguarding-requirements","type":"official_safeguarding_regulation","authority":1,"observedAt":"2026-07-13","notes":["The FCA describes safeguarding duties for relevant funds held by payment institutions and electronic money institutions, including the supplementary regime effective 7 May 2026.","Safeguarding separates or protects relevant customer funds but is not direct FSCS deposit insurance and can still involve delay, cost or shortfall in insolvency."]},{"id":"SRC-PROTECTION-US-FDIC-2026","title":"FDIC deposit insurance frequently asked questions","publisher":"Federal Deposit Insurance Corporation","url":"https://www.fdic.gov/resources/deposit-insurance/faq","type":"official_protection_scheme","authority":1,"observedAt":"2026-07-13","notes":["FDIC states the standard maximum deposit insurance amount is USD 250,000 per depositor, per insured bank, for each ownership category.","Coverage applies to eligible deposit products at an FDIC-insured bank, not securities, mutual funds, crypto assets or the failure of an unaffiliated nonbank app."]},{"id":"SRC-PROTECTION-US-SIPC","title":"SIPC investor protection overview","publisher":"Securities Investor Protection Corporation","url":"https://www.sipc.org/for-investors/introduction","type":"official_protection_scheme","authority":1,"observedAt":"2026-07-13","notes":["SIPC describes protection up to USD 500,000, including a USD 250,000 limit for cash, for missing cash and securities when a SIPC-member brokerage fails.","SIPC does not protect market loss, bad advice, most commodities or every asset held through a financial platform."]},{"id":"SRC-RAIL-US-FEDNOW-2026","title":"FedNow Service payment-system FAQ","publisher":"Board of Governors of the Federal Reserve System","url":"https://www.federalreserve.gov/paymentsystems/fednow_faq.htm","type":"official_payment_rail","authority":1,"observedAt":"2026-07-13","notes":["The Federal Reserve describes FedNow as an instant payment and settlement service offered to participating banks and credit unions for account-to-account transfers within seconds at any time of day.","FedNow is not a consumer app, account, currency or CBDC; provider participation, customer access, limits and features require separate evidence."]},{"id":"SRC-RAIL-GB-FPS-2026","title":"Faster Payment System operation and participation","publisher":"Pay.UK","url":"https://www.wearepay.uk/what-we-do/payment-systems/faster-payment-system/how-faster-payments-work/","type":"official_payment_rail","authority":1,"observedAt":"2026-07-13","notes":["Pay.UK describes FPS as a 24/7 UK retail payment system where funds are usually available almost immediately but can take up to two hours or longer in some indirect or off-hours cases.","Direct settling, direct non-settling and indirect access are distinct, and participating institutions set customer limits and product availability."]},{"id":"SRC-RAIL-GB-BACS-2026","title":"Bacs System Principles","publisher":"Pay.UK","url":"https://www.wearepay.uk/wp-content/uploads/2026/02/Pay.UK-Bacs-System-Principles-V18-Jan-2026.pdf","type":"official_payment_rail","authority":1,"observedAt":"2026-07-13","notes":["Pay.UK identifies Bacs as the UK interbank retail system supporting the Direct Debit and Bacs Direct Credit schemes through a multi-day submission, processing and entry cycle.","Bacs access can be direct or sponsored; scheme existence does not prove a provider supports payroll, collections, mandates or a specific submission cutoff."]},{"id":"SRC-RAIL-GB-CHAPS-2026","title":"CHAPS high-value payment system","publisher":"Bank of England","url":"https://www.bankofengland.co.uk/payment-and-settlement/chaps","type":"official_payment_rail","authority":1,"observedAt":"2026-07-13","notes":["The Bank of England operates CHAPS as a high-value sterling system with individual real-time gross settlement in central-bank money; direct-participant transfers are final and irrevocable once settled.","Current operating hours are business-day based and customer cutoffs can be earlier; indirect access, fees, provider limits and future operating-hour extensions require separate checks."]}],"generatedAt":"2026-07-13T11:19:25.841Z","dataVerifiedAt":"2026-07-13","verificationStatus":"verified_or_scoped"}