Littio is a crypto neobank (YC W23, backed by Circle Ventures) offering 0% international FX and 1% local cashback. The proposition is attractive for its target region, but it remains focused on Colombia and LATAM, is not a licensed bank, and its expansion is still ongoing.
Data & conditions
| Account fee | Free |
|---|---|
| IBAN | condiviso · US, EU |
| Multi-currency | Yes · 2 currencies |
| Outbound transfers to third-party IBANs | No |
| Utility direct billing | No |
| SEPA direct debit (SDD) | No |
| Interest on balance | 6% |
| ATM withdrawal | not declared |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | LATAM · 5+ countries |
| Regulator | None |
| OAM Italy registration | No |
| Segment | B2C |
| MiCA / License status | None |
Plans & pricing
Strengths
- YC W23; Circle Ventures backed; 0% FX international; 1% cashback local.
- No notable sovereignty advantage documented.
Weaknesses
- Focus Colombia; not banca licensed; espansione in corso.
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
The low rating reflects structural limits: a Colombia/LATAM focus, no availability in Italy, no banking licence of its own and no regulator. The 0% international FX and 1% local cashback are valid for the region, but for the European user protection is simply absent, and the backers (YC W23, Circle Ventures) do not replace a deposit guarantee.
Weak through this lens: custodial with full KYC and mid privacy, it is a regional neobank built for everyday spending, not crypto-native autonomy. Funds stay in custody and there is no trustless or censorship-resistant element.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Littio, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
No known incidentSearch across public sources: no known hack, withdrawal freeze or regulatory action as of the verification date.
verified on
Public reviews
-
Google Play ↗
4.6/5
6,497 reviews
'Littio' app (co.littio.app). Count 6,497 reproduced twice; the 4.57 value matches the 16 Aug read (4.57 over 6,413), while the raw JSON-LD returns a '5' placeholder (known divergence, §5-ter).
-
App Store ↗
4.4/5
2,303 reviews
Colombia storefront of the 'Littio' app (id 1613160324, Selenio SAS). Exact value from iTunes lookup: 4.358 over 2,303 ratings. Separate US storefront: 4.56 over 101 ratings (small sample).
Weighted average across 2 public review platforms (8,800 reviews in total), weighted by volume. This is not our rating: it is those platforms’ average.
FAQ
Is Littio a real bank?
Littio is a digital financial service. The deposit-protection scheme is not documented for this service; check the official terms.
Can I send transfers to third-party IBANs with Littio?
The ability to send transfers to third-party IBANs is not documented; check the official website.
Does Littio support direct debits and utility billing?
SEPA direct debit (SDD): not documented. Utility-bill domiciliation: not documented.
Which fiat currencies does Littio support?
The number of supported fiat currencies is not documented. Multi-currency accounts: not documented.
Can I withdraw crypto on-chain from Littio?
On-chain crypto withdrawal is not documented; check the official website.
Sources
- Official service page Monthly fee · IBAN countries · Multi-currency · Savings interest · +4 Data verified on Jul 23, 2026
- stablecoininsider.com Data verified on Jul 17, 2026
- intercom.help Data verified on Jun 15, 2026
- crunchbase.com Investors Data verified on Jun 14, 2026
Show 6 more sources
- pitchbook.com Investors Data verified on Jun 14, 2026
- promptloop.com Headquarters Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- es.trustpilot.com Trustpilot reviews · Past incidents Data verified on Jun 13, 2026
- littio.com Plans & pricing · Regulatory framework Data verified on Jun 13, 2026
- ycombinator.com Founders Data verified on Jun 13, 2026