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Side-by-side comparison
Bitwala logo
Bitwala
VS
Cleo logo
Cleo

Bitwala vs Cleo

Side-by-side comparison of Bitwala and Cleo — features, fees, supported countries, and ratings.

Highlights

A quick, at-a-glance look at what makes Bitwala and Cleo stand out.

Bitwala logo

Bitwala

Neobank
  • Mobile-first banking
  • Great for personal use
  • Available in 30 countries
  • Rated 3.6 / 5 on Neolista
Cleo logo

Cleo

Top rated
  • Mobile-first banking
  • Great for personal use
  • Available in 1 country
  • Rated 4.7 / 5 on Neolista
Neolista

Average Neolista Scores

Compare the Neolista scores of Bitwala and Cleo to the overall average score across all listed providers.

Bitwala logo
3.6
VS
Cleo logo
4.7
VS

Directory average

4.1

Bitwala vs Cleo: the full comparison

Our breakdown of how Bitwala and Cleo compare — and which might suit you best.

Bitwala is available in 30 countries, while Cleo is available in 1 country. Both are popular neobanks, but they take different approaches and suit different needs.

Bitwala is best suited to individuals. Bitwala is the app to manage, save and grow your money. Invest in cryptocurrencies, create savings plans and earn up to 5% interest per year on bitcoin directly from a German bank account. It currently holds a Neolista score of 3.6 out of 5.

By comparison, Cleo is geared towards individuals. Meet the no B.S. money app that's helped 4 million people budget better, build credit, and escape their overdraft. Try it for free. It currently holds a Neolista score of 4.7 out of 5.

If Bitwala lines up with what you need, it's a strong choice — but it's worth weighing Cleo too, especially on availability, fees and the account types each one supports. Use the live details above to pick the option that fits you best.

Where can you use them?

Bitwala and Cleo aren't available everywhere. Here's where each one currently operates.

Bitwala logo

Bitwala

Available in 30 countries

Austria flagBelgium flagBulgaria flagCroatia flagCyprus flagDenmark flagEstonia flagFinland flagFrance flagGermany flagGreece flagHungary flagIceland flagIreland flag+16 more
VS
Cleo logo

Cleo

Available in 1 country

United States flag

What customers are saying

Recent verified 5-star reviews for Bitwala and Cleo.

(edit). Took 2 weeks to answer but they came back to me despite closing the bank. Happy that they solved the issue and returned the money to the sender since my account was blocked.

Trustpilot
Dick Hugh"Bitwala" review from Trustpilot

I love Cleo and I would recommend it to anyone….

Trustpilot
Laquisha Garrett"Cleo" review from Trustpilot
Bitwala logo

Bitwala is great for individuals

Bitwala offers accounts for personal customers.

Personal accounts
Go to Bitwala
Cleo logo

Cleo is great for individuals

Cleo offers accounts for personal customers.

Personal accounts
Go to Cleo

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