EU Sovereignty Score
EU sovereignFintech & NeobanksHeadquarters: IT

Tinaba: sovereignty score and 8 European alternatives

Tinaba is an Italian fintech based in Milan. It is best known for a mobile banking app offered together with Banca Profilo: registering in the app automatically opens an account with Banca Profilo. The app provides instant transfers, expense sharing in groups, recurring payments, a virtual prepaid Mastercard and investment features. In addition, Tinaba S.p.A. presents itself on its own website as a fintech-as-a-service platform with which banks build their digital channel. Both offerings are delivered as commercial software-as-a-service.

Tinaba S.p.A. is based in Milan, while the bank account and the deposit guarantee scheme belong to Banca Profilo, an Italian bank. No non-European parent company appears in the sources consulted. The company offers no open-source or self-hosting option. For a European user, the banking relationship therefore falls under Italian and European supervision. The provider does not publish where its data is stored.

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Sovereignty score
71 / 1000 = high exposure
100 = sovereign
  • Jurisdiction SOV-2100
    Headquartered in the EU: European law applies
  • Data residency SOV-3100
    EU-only hosting
  • Cryptographic key sovereignty SOV-360
    Key management with a European vendor
  • Freedom from lock-in SOV-640
    Closed source: switching requires data migration
  • Source & runtime sovereignty SOV-4 · SOV-655
    Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 5, 2026
Headquarters
IT (EU)Verified by hand
Sovereignty model
Vendor-hosted (EU)Verified by hand
Data hosting
EUVerified by hand
Open-source
NoVerified by hand
GDPR-compliant
YesVendor-stated
Category
Fintech & Neobanks
Type
Product
Website
tinaba.bancaprofilo.it ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to Tinaba

The European alternatives to Tinaba come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

116 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with Tinaba

Tinaba is headquartered in IT and therefore falls under European law: the GDPR, NIS2 and the Data Act. No foreign legislation can compel access to your data.

Data is hosted exclusively in the EU, so Tinaba scores best on data residency.

Tinaba is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs Tinaba together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to Tinaba?

It depends on your use case. Strong EU alternatives to Tinaba include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Tinaba?

Our list of EU alternatives to Tinaba is mostly commercial options. Browse the category on the map for open-source choices.

Is Tinaba GDPR-compliant and where is the data hosted?

Tinaba is headquartered in IT (EU) and hosts data in EU. That makes Tinaba an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 5, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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8 European alternatives to Tinaba — GDPR-compliant & EU-hosted · EU Sovereignty Score