Tomorrow (https://www.tomorrow.one/en-de/about) is based in Germany. They are focusing on financing green projects and so on. Not sure how successful they are… I have an account there and use it for Google Pay in Germany and it works fine, but it lacks a lot of features the big ones like Revolut have. Its completely fine for my use-case for mobile payments though.

Fidor (https://www.fidor.de/en/) is based in Germany and is EU-only.

Doesn't Revolut have a European banking licence? It's good although they've changed the UI in the app recently for the worse.

All the so called 'neo banks' are still in their infancy which is good reason to avoid them at all costs. I'm waiting until these startups mature (and they are startups).

In the UK, anyone with the banking license Monzo has is protected by the insurance mandate which was put in place after the collapse of Northern Rock. The service from Monzo is substantially better than any other British bank, so it's a risk I'm willing to take.

Neon is Switzerland-based (not EU).

Happy user of bunq.