Methodology and Editorial Policy

Last updated: 16 Jan 2026

Neobankster is a research-driven directory and data platform covering crypto debit cards, crypto credit cards, and modern financial products often referred to as neobanks. Our goal is to provide accurate, comparable, and practical information that reflects how these products work in real-world usage, not just in marketing materials.

This page explains how we collect data, how we evaluate products, how ratings are formed, and how monetization is handled.

Scope of Coverage

Neobankster currently focuses on crypto debit and credit cards. Over time, coverage will expand to include additional financial solutions such as QR payments, remittance services, and payment rails.

The platform operates globally and lists products available across multiple regions, subject to issuer documentation and terms.

Inclusion Criteria

To be listed on Neobankster, a product must meet the following minimum requirements:

A functioning, issued card product
Publicly available documentation and terms and conditions
An active online presence, including an official website and social media
Evidence of real users and real-world usage
No major red flags identified during a brief internal scam and legitimacy review

Waitlist-only products are not listed at this time. Discontinued products may be added in the future for reference purposes.

Regional Availability

For each card, we analyze issuer terms and official documentation to determine geographic availability. Where information is available, we display:

Regions where the card is explicitly supported
Regions that are explicitly restricted or banned

If regional information is unclear or not documented by the issuer, we do not speculate and only publish confirmed data.

Data Collection and Sources

Our primary data sources include:

Official issuer websites
Product documentation and terms and conditions
Public pricing tables and disclosures

When marketing claims conflict with legal terms, the terms and conditions always take precedence.

User-submitted data is not currently used for factual verification. In the future, user input may be incorporated for rating and sentiment analysis.

Verification and Checkmarks

Neobankster uses two types of verification indicators:

Blue checkmark: Data has been reviewed and verified by our team using official issuer sources
Gold checkmark: Data has been verified and the issuer has a commercial relationship with Neobankster

Verification status never affects ratings or scores.

Update Frequency

Each listed product is reviewed at least once per quarter. We also strive to reflect major confirmed changes, such as fee updates, reward changes, or availability restrictions, within 24 hours.

Each listing displays a visible “last updated” date.

Cashback and Pricing Methodology

For cashback, we display the maximum available cashback across all card plans, even if it requires a premium tier.

For other details such as issuance fees, ATM limits, spending limits, and operational costs, we default to base or starter plans whenever possible. This approach reflects the most accessible option for a global audience and avoids overstating benefits that require premium subscriptions or large balances.

Ratings and Scoring

Neobankster assigns a single global rating to each product.

Current ratings are produced through internal team analysis and consider multiple factors, including:

User reviews and overall sentiment
Custody model and fund control
Cashback and reward structure
Fees, limits, and cost transparency
Geographic availability
Simplicity versus complexity of use

Token staking or lockups are not explicitly penalized at this stage. Security, custody, and issuer structure are factored into overall assessment.

The rating methodology may evolve over time as additional data sources and user-driven signals are introduced.

Editorial Process

All content is currently produced in-house by the Neobankster team and reviewed internally before publication. Editors and analysts are not publicly named at this time.

Editorial decisions prioritize accuracy, clarity, and user relevance over promotional considerations.

Editorial Independence

Commercial relationships do not affect how products are scored, reviewed, or described. Neobankster does not accept payments to alter ratings, suppress negative information, or misrepresent product features.

Transparency and Disclaimer

Neobankster provides informational content only and does not offer financial advice. Users should independently verify details before applying for or using any financial product.

Crypto and fintech products involve operational and regulatory risks that can change rapidly.

User Feedback and Corrections

Users are encouraged to report inaccuracies or changes. We aim to investigate credible reports within one working day. Corrections are handled internally as part of our ongoing review process.

Methodology Changes

As Neobankster expands to cover additional products and incorporates new data sources, this methodology may be updated. Any changes will reflect our commitment to fairness, transparency, and practical usefulness for a global audience.