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Bank challengers in Europe

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Bank challengers in Europe keep growing very fast. Only the eight major players*, including Revolut, N26, TransferWise, Monzo, Monese, Starling, Curve, and Tandem served nearly 27 million customers as of the end of 2019. In fact, their number of clients has increased exponentially as the figure doubled every year since 2016. Considering current trends, it can be expected that the selected group of bank challengers will get over 50 million clients by 2021. And, this is only a part of the broader market since there are dozens of other players across Europe already operating or planning a launch.

Veröffentlicht in: Wirtschaft & Finanzen
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Bank challengers in Europe

  1. 1. Inteliace Research BankchallengersinEurope,2019-2020 2.6 5.8 12.4 26.7 2016 2017 2018 2019 Number of customers - Selected top 8 bank challengers in Europe In million * including: Revolut, N26, TransfeWise, Monzo, Starling, Monese, Tandem, Curve Source: Inteliace Research The number of clients at top bank challengers in Europe has more than doubled each year since 2016 1 +120% +115% +112%
  2. 2. Inteliace Research BankchallengersinEurope,2019-2020 Major bank challengers are currently valued* at 4.8 times the funding received 3.9 18.8 funding valuation * Post money valuation ** Including: Revolut, N26, Monzo, Monese, TransferWise, Tandem, Curve Source: Inteliace Research, Crunchbase, Pitchbook Funding & Valuation- Selected 7 major** bank challengers in Europe In US$ billion, as of Dec. 2019 4.8x (post money) 2
  3. 3. Inteliace Research BankchallengersinEurope,2019-2020 Accounts, fx, payments, P2P Payments, fx Accounts, payments, business banking Accounts, payments, loans, business banking, other Transfers, Accounts Accounts, payments, loans, business banking Payments, fx, card aggregation Savings, credit cards * Or the last available figure; Source: Corporate websites, industry press, Crunchbase, Pitchbook, Inteliace Research 3 9.0 6.0 4.5 3.5 1.4 1.0 0.8 0.5 Revolut TransferWise N26 monzo monese Starling Curve Tandem A single customer is worth $730 on average 0.82 0.58 0.78 0.74 1.03 n/a 0.40 0.12 Number of customers, [no common definition] in million, as of Dec. 2019*Company Selected European bank challengers: Customers Focus Company valuation per customer post money, in `000 US$, as of Dec 2019* PARTIALLY ESTIMATES 0.73 Average for top 7
  4. 4. Inteliace Research BankchallengersinEurope,2019-2020 - E-money Institution - Accounts - Payments -Service level depending on country. -Accounts with balance and debit card offered in ca. 35 markets - Bank - Payments - Accounts - FX - 24 European markets - Bank, PSD agent - Savings - Credit cards - The UK - E-money Institution - Bank (since Q4 18) - Deposits - Loans -31 European markets (EEA) -AU, CAN, SIN, CH, USA - Bank - Accounts - Deposits/loans - Payments - Other (marketplace) - The UK, Ireland - Bank - Accounts - Deposits - Loans - Payments - The UK - E-money Institution - Accounts - Payments - 31 European markets (EEA) - E-money Institution - Payments - FX - Card aggregation - 31 European markets (EEA) * Customer number at the end of the respective financial year , e.g. YE2018 Source: Corporate websites, industry press, Crunchbase, Inteliace Research 4 38 34 33 23 22 10 7 3 TransferWise N26 Tandem Revolut Starling monzo monese Curve Bank challengers make between $3 and $38 in revenues per single customer Average revenue per customer* in US$, as of 2018/19 Focus Key Products RegionsCompany Company type, licence PARTIALLY ESTIMATESSelected European bank challengers /non-exhaustive list/: Revenues
  5. 5. Inteliace Research BankchallengersinEurope,2019-2020
  6. 6. Inteliace Research BankchallengersinEurope,2019-2020 2.6 5.8 12.4 26.7 2016 2017 2018 2019 Number of customers - Selected top 8 bank challengers in Europe In million * including: Revolut, N26, TransfeWise, Monzo, Starling, Monese, Tandem, Curve Source: Inteliace Research The number of clients at top bank challengers in Europe has more than doubled each year since 2016 6 +120% +115% +112%
  7. 7. Inteliace Research BankchallengersinEurope,2019-2020 2.6 5.8 12.4 26.7 2016 2017 2018 2019 Number of customers - Selected top 8 bank challengers in Europe In million * including: Revolut, N26, TransfeWise, Monzo, Starling, Monese, Tandem, Curve Source: Inteliace Research The number of clients at top bank challengers in Europe has more than doubled each year since 2016 7 +120% +115% +112%
  8. 8. Inteliace Research BankchallengersinEurope,2019-2020 2.6 5.8 12.4 26.7 2016 2017 2018 2019 Number of customers - Selected top 8 bank challengers in Europe In million * including: Revolut, N26, TransfeWise, Monzo, Starling, Monese, Tandem, Curve Source: Inteliace Research The number of clients at top bank challengers in Europe has more than doubled each year since 2016 8 +120% +115% +112%

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