Best digital banks & money apps
Revolut, Wise, Monzo and more — compared on fees, features and service so you can pick the right account in minutes.
Last checked October 2026 · By the How People Use money team
- Real accounts tested
- Independent scores
- Reviewed regularly
Our top pick
Revolut 9.3/10
£0 monthly fee options
Best for travel
Revolut
Best for savings
Trading 212
Best for everyday
Monzo
- Best for travel#1
Revolut
Multi-currency account
9.3/104.7 appMonthly fee
£0 (Standard)
Spending abroad
0% weekdays
Free ATM
£200/mo free
Key perk
Savings vaults
- Interbank FX rate on weekdays
- Instant card freeze & virtual cards
Deposit protected
Licensed bank: your money is covered by a government scheme (FSCS up to £85,000 in the UK, €100,000 in the EU).
Read reviewPartner link coming soon
- Best for transfers
#2Wise
Multi-currency account
9.2/104.7 appMonthly fee
£0
Spending abroad
From 0.4%
Free ATM
£200/mo free
Key perk
40+ currencies
- Mid-market rate, fees shown upfront
- Local account details in many currencies
Safeguarded e-money
Not a bank: your money is kept separate from the firm's own funds, but no government deposit scheme applies.
Read reviewPartner link coming soon
- Best for budgeting#3
Monzo
Current account
9.0/104.8 appMonthly fee
£0
Spending abroad
0% card fee
Free ATM
£200/mo abroad
Key perk
Bill pots
- Excellent budgeting tools
- Salary sorter & bill pots
Deposit protected
Licensed bank: your money is covered by a government scheme (FSCS up to £85,000 in the UK, €100,000 in the EU).
Read reviewPartner link coming soon
#4Starling
Current account
8.9/104.8 appMonthly fee
£0
Spending abroad
0% card fee
Free ATM
Free worldwide
Key perk
24/7 support
- No fees spending abroad
- Strong 24/7 support
Deposit protected
Licensed bank: your money is covered by a government scheme (FSCS up to £85,000 in the UK, €100,000 in the EU).
Read reviewPartner link coming soon
- Best for cashback
#5Chase UK
Current account
8.7/104.8 appMonthly fee
£0
Spending abroad
0% card fee
Free ATM
Free abroad
Key perk
1% cashback
- Cashback on everyday spending
- Linked saver account
Deposit protected
Licensed bank: your money is covered by a government scheme (FSCS up to £85,000 in the UK, €100,000 in the EU).
Read reviewPartner link coming soon
- Best for savings#6
Trading 212
Savings account
8.6/104.6 appMonthly fee
£0
Spending abroad
0.15% FX
Free ATM
£200/mo free
Key perk
Daily interest
- Interest paid daily
- Cash and investing in one app
Deposit protected
Licensed bank: your money is covered by a government scheme (FSCS up to £85,000 in the UK, €100,000 in the EU).
Read reviewPartner link coming soon
#7N26
Current account
8.4/104.6 appMonthly fee
€0
Spending abroad
0% card fee
Free ATM
3 free/mo
Key perk
Spaces
- Fast sign-up
- German IBAN, works across EU
Deposit protected
Licensed bank: your money is covered by a government scheme (FSCS up to £85,000 in the UK, €100,000 in the EU).
Read reviewPartner link coming soon
#8bunq
Savings account
8.1/104.5 appMonthly fee
From €3.99
Spending abroad
0% card fee
Free ATM
4 free/mo
Key perk
25 sub-accounts
- Many sub-accounts and IBANs
- Weekly interest on savings
Deposit protected
Licensed bank: your money is covered by a government scheme (FSCS up to £85,000 in the UK, €100,000 in the EU).
Read reviewPartner link coming soon
Figures are illustrative and should be checked with each provider. Logos are trademarks of their owners. We may earn a commission from partner links.
How we score
Costs
Monthly fees, FX markups, ATM and transfer charges at typical usage.
Features
App quality, budgeting tools, savings pots, multi-currency and cards.
Service
Support response times, sign-up friction and account protection.
How to choose a bank
- 1
Check protection
Prefer deposit-protected banks for your main balance.
- 2
Match your habits
Travel often? Look at fees abroad and cash limits.
- 3
Watch the small print
Free plans often cap ATM use or weekend exchange.
- 4
Test the app
Sign up takes minutes — try budgeting and support first.
Questions people ask
Are digital banks safe?
Licensed banks are covered by deposit protection schemes (e.g. FSCS in the UK, up to €100,000 in the EU). E-money firms like Wise safeguard funds instead — we flag which is which.
Does switching hurt my credit score?
Opening an account may run a soft or hard check on the new account only. Closing an old account leaves no lasting mark.
How do you score providers?
Costs, features and service are each scored out of 10 after we open real accounts, move money and contact support. Overall is a weighted average.
Do providers pay for rankings?
No. We may earn a commission when you open an account, but it never changes the order or scores.
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