Thomas Lovas Lokoy
Founder & Editor, NorwegianSpark SA
Thomas Lovas Lokoy is the founder of NorwegianSpark SA, the Norwegian company (org. 834 984 172) that runs BankTopp. He oversees the business. Articles are researched and drafted with AI assistance; Thomas is responsible for what goes live. Corrections: thomaslien@norwegianspark.com.
How articles are made and checked: editorial policy. How the site earns money: affiliate disclosure.
Articles (113)
- SEPA Instant Transfers and Verification of Payee: What Changed for Euro Payments
Guides ·
- The Right to a Basic Bank Account in the EU: Who Qualifies and When a Bank Can Say No
Guides ·
- Banking in Europe as an American: FATCA, FBAR and Form 8938 Explained
Guides ·
- Bank holidays over Christmas 2026 and New Year 2027: when banks close and when your money moves
banking ·
- Christmas savings accounts: how a Christmas club works, and whether a normal savings account does it better
savings ·
- Buy now, pay later for Black Friday and Christmas 2026: how it works, the new UK rules and the risks
loans ·
- Business bank account application refused: what to do next
business ·
- How to switch business bank accounts (without breaking your payroll stack)
business ·
- Best Accounts for Ecommerce Businesses: Shopify, Etsy, and Amazon
business ·
- Business Bank Account Frozen? What to Do First
business ·
- Should I use my personal bank account for business?
business ·
- Bank Account Churning: Direct Deposit Bonuses, Tax Reporting and Clawbacks
banking ·
- Checking Account Fees: How to Avoid Overdraft, Monthly and Wire Fees
banking ·
- Direct Deposit Automation: How to Split Your Paycheck Across Accounts
banking ·
- Joint Bank Accounts vs Payable-on-Death (POD): Survivorship, Creditors and Probate
banking ·
- How to Build a CD Ladder: Lock In Rates and Keep Access to Cash
savings ·
- Emergency Fund: How to Size and Structure a 3-to-6-Month Cash Buffer
savings ·
- High-Yield Savings Accounts: How Compounding and APY Work
savings ·
- 4-Week Treasury Bills vs High-Yield Savings: The State Tax Exemption
savings ·
- Your Bank Wants to Close Your Account: The 90-Day Rule That Started in April 2026
Guides ·
- Money Left Your Account and You Did Not Authorise It: What the Law Requires
Guides ·
- IBAN Discrimination: When a Company Refuses Your Foreign Account
Guides ·
- What a Neobank Actually Is (And the Three Very Different Things Called One)
Neobanks ·
- What a "Crypto Bank" Actually Is, and What It Is Not
Crypto Banking ·
- N26 Alternatives in 2026: Banks Like N26, Compared
Comparisons ·
- Online Banking in Europe 2026: Who Can Open an Account, and What You Are Actually Getting
Guides ·
- Virtual Bank Accounts Explained: Virtual IBANs, Who Issues Them, and What They Protect
Guides ·
- Top Neobanks in the US 2026: Who Actually Holds Your Deposit
Neobanks ·
- Neobanks in Asia 2026: The Digital Banks Worth Knowing, Market by Market
Neobanks ·
- Digital Banks in the Middle East 2026: Saudi Arabia, the UAE and the Wider Gulf
Guides ·
- Bank of America vs Airwallex: A Comparison That Needs a Caveat First
Comparisons ·
- Best Banks for Startups in 2026: What to Check Before the Brand
Business Banking ·
- How to Compare Business Bank Accounts: The Fee Lines That Actually Differ
Business Banking ·
- Fintech Business Account vs Bank Account: The Difference That Matters When Things Go Wrong
Business Banking ·
- Nubank vs Monzo 2026: Two Neobanks That Barely Compete
Comparisons ·
- Nuri Bank (Bitwala) Review 2026: Closed — Where the Money Went
Reviews ·
- FlowBank Review 2026: FINMA Withdrew the Licence — What Actually Happened
Reviews ·
- Bankera Review 2026: What It Is, and Why the Name Is the Most Important Question
Reviews ·
- What Happens to Your Money When a Neobank Fails
Guides ·
- How to Check Whether a Bank Is Actually Licensed (in About Ten Minutes)
Guides ·
- DBS vs Bank of Singapore: They Are Not the Same Kind of Bank
Comparisons ·
- Add Up What Your Old Bank Charges You in a Year. Then Sit Down.
Banking Guides ·
- How to Move Banks Without Breaking Every Direct Debit You Own
Banking Guides ·
- The First 90 Days in a New Account: The Bit Everyone Gets Wrong
Banking Guides ·
- Who's Actually Paying 4%+ Right Now — and What They Want in Return
savings ·
- Getting Paid in Foreign Currency: A Freelancer's Headache
currency ·
- Beste Business-Banking-Konten in Deutschland 2026: der ehrliche Vergleich
Business Banking ·
- Pensjonsløsninger sammenligning 2026: slik henger det norske systemet sammen
Pensjon ·
- Wise vs Airwallex 2026: Which Multi-Currency Account Wins?
Comparisons ·
- Best Multi-Currency Accounts 2026: Wise, Airwallex and Revolut Compared
International Transfers ·
- Coinbase Review 2026: Fees, Safety and Is It Worth It?
Crypto Banking ·
- Digital Banks vs Traditional Banks in 2026: An Honest Comparison
Guides ·
- How to Open a Multi-Currency Account Online (2026 Guide)
Tutorial ·
- How to Buy Bitcoin Safely in 2026 (Beginner's Guide)
Tutorial ·
- The Cheapest Ways To Send Money Abroad in 2026 (With Real Maths)
currency ·
- Consumer loans: how to choose sensibly
loans ·
- Refinancing debt: when does it pay off?
loans ·
- Best High-Interest Savings Accounts in 2026: How to Find the Real Rate
savings ·
- Travel rewards credit cards: are they worth it?
cards ·
- How to send money abroad cheaply
currency ·
- Online bank vs traditional bank: which suits you?
Banking Guides ·
- Business payments and invoicing: smarter cash flow
business ·
- Multi-Currency Accounts for Freelancers: How to Stop Losing Money on Conversion
currency ·
- How to Build an Emergency Fund (a Financial Buffer)
savings ·
- The Best Free Personal Finance Lessons You Can Take Online
economy ·
- Cashback and Money Apps: 8 Rules to Tell If They Are Worth It
economy ·
- How to Earn Interest on Crypto: 4 Honest Methods in 2026
savings ·
- Mortgages and interest costs: what you should know
loans ·
- How to Budget Money: A Step-By-Step System
economy ·
- Best Neobanks 2026: The Three Licence Models, Compared
Neobanks ·
- How to Switch Bank Accounts in 2026: Step-by-Step Guide
Tutorial ·
- Revolut vs Wise 2026: Fees, Safety and Which Is Better for You
Neobanks ·
- How to Send Money Abroad Cheaply in 2026 (Step by Step)
Tutorial ·
- Best Current Accounts 2026: Fees, Overdrafts and Joint Accounts
Current Accounts ·
- How to Open a Business Bank Account Online (2026 Guide)
Tutorial ·
- Best Savings Accounts 2026: Rates and Deposit Protection Compared
Savings Accounts ·
- How to Earn Yield on Crypto in 2026: A Risk-First Guide
Tutorial ·
- Cheapest International Money Transfers 2026: How to Compare 8 Services
International Transfers ·
- How to Compare Bank Accounts Without Getting Tricked (2026)
Tutorial ·
- Best Business Bank Accounts 2026: Germany and the UK Compared
Business Banking ·
- Banking With Crypto 2026: Crypto-Friendly Banks & Apps
Crypto Banking ·
- Airwallex Review 2026: Fees, Licences and Whether Your Money Is Safe
Business Banking ·
- Nexo Review 2026: Crypto Interest and Loans — Is It Safe?
Crypto Banking ·
- How to Choose a Bank Account in 2026: The Six Checks That Matter
Banking Guides ·
- Revolut vs N26 in 2026: Fees, Deposit Protection and Which Is Best
Comparisons ·
- Chime Review 2026: Fees, Features and Is Chime a Bank?
Reviews ·
- How AI Is Transforming Banking in 2026
Insights ·
- Nubank Review 2026: Latin America's Fintech Giant
Reviews ·
- Best Banks in Europe 2026: Top Online Banks vs Traditional Banks
Guides ·
- How Do Neobanks Actually Make Money?
Insights ·
- Wise vs Revolut: Best for International Transfers 2026
Comparisons ·
- Best Business Neobanks 2026: Mercury, Qonto and Tide Compared
Business ·
- Crypto Banks and Bitcoin Banks in 2026: What They Are and Whether Your Money Is Safe
Crypto ·
- Monzo Review 2026: What It Does Well and Where It Falls Short
Reviews ·
- SoFi Bank Review 2026: More Than Just a Bank
Reviews ·
- Best Banks in Asia-Pacific 2026
Guides ·
- Open Banking Explained: How It's Changing Your Finances
Insights ·
- Starling Bank Review 2026: Business Account, Fees and Is It Safe?
Reviews ·
- How to Switch Banks Without Losing Your Mind
Guides ·
- Best High-Yield Savings Accounts 2026
Savings ·
- Ally Bank Review 2026: Savings Rates, Fees and Is It Safe?
Reviews ·
- Are Neobanks Safe? What You Need to Know
Security ·
- DBS Bank Review 2026: Ratings, Fees and the MAS Record
Reviews ·
- Hidden Bank Fees: The Complete Guide to Avoiding Them
Guides ·
- KakaoBank Review: South Korea's Neobank Phenomenon
Reviews ·
- Islamic Banking in 2026: Halal Finance Explained
Guides ·
- Best Banks in Africa 2026: Digital-First Across the Continent
Guides ·
- Overdraft Alternatives: Better Ways to Borrow Short-Term
Guides ·
- Mercury Bank Review 2026: Is It a Real Bank, and Is It Safe for Startups?
Business ·
- Central Bank Digital Currencies in 2026: What's Happening?
Insights ·
- Embedded Finance: When Every App Becomes a Bank
Insights ·
- bunq Review 2026: Plans, Local IBANs and Who It Suits
Reviews ·
- Best International Bank Accounts for Expats 2026
Guides ·