A Belgian, a neobank and a subsidiary of Société Générale. Here is the podium. Sia's ninth international benchmark screened 146 banking applications in 20 countries and on more than 100 criteria. Publication on October 1st, taken up by MoneyVox on the 8th. KBC retains the world crown. Revolut climbs to second place and remains the only neobank at the top of the table. BoursoBank takes third place thanks to courses “that few banks can match, from consumer credit to real estate and investment”. And for the first time, no American bank in the leading group. BoursoBank opened its securities accounts to Bitcoin, Ethereum and Solana ETPs this summer. A detail that weighs on the investment note.
Key Points
In France, BoursoBank is ahead of Revolut on functionalities, Revolut maintains the advantage on user experience.
BNP Paribas, Banque Populaire and Caisse d’Épargne enter the world top 25, Crédit Agricole gains 10 points, the best progression in the panel.
Crédit Mutuel, Fortuneo and CIC innovate at a “lower” pace according to Sia.
How does Sia make her rating? Half features: daily banking, budget, investment, credit, insurance. Then 40% user experience and 10% app store ratings. No room for charm. The firm notes that investment services signed the biggest jump in capacity in the panel, with banks seeking to counter brokers and neobanks. This is exactly where BoursoBank makes the difference: stocks, ETFs, bonds, derivatives and now crypto ETNs in the same app, with zero euro brokerage on part of the offer. In France, the Société Générale subsidiary even comes ahead of Revolut, whose global rating smoothes out very unequal offers from one country to another. Florent Noclercq, senior manager at Sia, speaks of “a real race for innovation between these two players”.
Behind, the French peloton stands. BNP Paribas, Banque Populaire and Caisse d’Épargne “are getting closer to the leaders in terms of services offered, but remain behind in terms of user experience”. They still enter the world top 25 with Hello bank! and N26. The real surprise comes from Crédit Agricole: ten points gained in one year, the best progression of the panel, after a complete overhaul of the app. Sia sees this as the recipe for winners of the year. Redo, rather than patch up. And the others? Crédit Mutuel, Fortuneo and CIC do not appear in this group. Noclercq qualifies: “it would be inaccurate to say that these banks have not taken the mobile approach”, but “their rate of innovation is indeed lower”. Some explain that they do not want to “make their application too complex”. We have had more convincing excuses.
Crypto in the app: who did it, who didn’t
Sia does not devote any explicit criteria to cryptocurrencies. But the investment category actually contains them, and this is where the trajectories diverge. Revolut has been selling crypto to its European customers since 2017, launched Revolut For them, buying bitcoin is just another button, stuck between gold and fractional shares. BoursoBank has taken another path, more patrimonial, well, let's say more French: ETNs, listed securities backed by cryptos, housed in the ordinary securities account and absent from the PEA or life insurance, with Bitcoin, Ethereum and Solana on the menu since this summer.
Two philosophies, two profiles. Revolut targets those who want their bitcoin in three gestures from the current account. BoursoBank speaks to those who prefer to store their crypto exposure alongside their ETFs, within a framework they already know. Are you hesitating? Our comparison of the best neobanks highlights current fees, ceilings and welcome bonuses, and things change more often than you might think.
The network banks remain on the doorstep. Neither BNP Paribas, nor Crédit Agricole, nor Caisses d’Épargne offer direct purchases of cryptocurrencies in their application. At best, access is via ETPs on the securities accounts of brokerage subsidiaries. Our ranking of crypto-friendly banks confirms this every year: the establishments which allow a transfer to an exchange platform without blocking the account can still be counted on the fingers of one hand. A bank that refuses crypto refers its customers under 35 to Revolut. And Revolut doesn't give them back.
What Revolut does more
The neobank published 2025 accounts in March which explain its place on the podium. £4.5 billion in revenue, up 46%. 1.7 billion profit before tax. 68.3 million individual customers at the end of 2025, more than 80 million today. And 50.2 billion pounds of customer outstandings, an increase of 66%. Asset management, including cryptos, represents 14.7% of revenues, almost as much as foreign exchange, which has long been the heart of the reactor. A secondary sale of shares valued the company at $75 billion. For a company that sold prepaid cards to travelers in 2015, the path traveled is dizzying.
Rhythm comes from structure. A neobank delivers functionality to all its markets on the same day, where a network bank negotiates with its regional banks and its thirty-year-old systems. No miracles, just architecture. Revolut obtained its French banking license from the ACPR and the ECB on August 10, then on September 3 a conditional agreement from the OCC for a national bank in the United States. The next Sia benchmark will fall in the fall of 2027, with one more French bank in the race: Revolut Bank S.A.
