Top 5 Online Banks - UK

Compare top mobile banks & pick the ultimate banking experience!

Simple, mobile-only banking
No deposit needed, get approved fast
All listed apps are regulated & secure
Available on:
1
Transfer Fees: Low
2
Transfer Fees: Low
3
Transfer Fees: Low
4
Transfer Fees: Low
5
Transfer Fees: Med
Service
Debit/Credit Card
ATM Withdrawal Fee
Score
Key Features
Open Account
1
Paysend Card
Free SEPA transfers & currency exchange

Free ATM withdrawals

98
Transfer money to 80 countries at interbank rates
Free SEPA transfers
Pricing Plans
ADDITIONAL FEATURES
  • Exchange currencies at interbank rates
  • Free top-ups
  • Free virtual card
  • Global 24-7 customer support
PAYMENT OPTIONS
  • Card-to-card payments
  • SEPA payments
2
bunq Travel card

€0.99 per withdrawal

95
Transfer money via TransferWise
Travel card - No monthly fees, no credit checks
Pricing Plans
Additional Features
  • Joint accounts
  • Sub-accounts for budgeting and savings
  • Send payments via SMS & Email
Payment Options
  • Bunq app
  • Bank transfer
  • Pay Pal
  • Google Pay & Apple Pay
3
Revolut card
 

Free (up to £200/month)

Over £200 – 2% 

92
Built-in budgeting features for savings, payments etc.
Instant exchange of 24 currencies into cryptocurrency
Pricing Plans
ADDITIONAL FEATURES
  • Free UK current account
  • Free Euro IBAN account
  • Freeze/unfreeze card directly from the app
  • Saving money: round up transactions/set one-off contributions
  • Buy Cryptocurrency (Bitcoin, Litecoin, Ethereum etc.)
  • Instant spending notifications
  • Transfer money to 24 different currencies
  • Set up recurring payments
  • Advanced travel insurances
PAYMENT OPTIONS
  • SWIFT payments
  • Euro account – SEPA payments available
  • Transfer money to the USA via ACH number 
4
Starling card
 

Up to 6 withdrawals/day (limit of £300)

88
Mobile only bank account
Joint accounts
Pricing Plans
Additional Features
  • Budgeting and savings tools – Starling Bank’s Goals
  • Divide payments with ‘Settle Up’
Payment options
  • Bank transfer
  • Starling Bank app
  • Google Pay & Apple Pay
5
Monzo card

Up to £200 – Free

Over £200 – 3% 

84
Instant notifications for transactions
In-app freeze/unfreeze account (if Mastercard is lost)
Pricing Plans
ADDITIONAL FEATURES
  • UK Current Account 
  • 1% interest on any savings over £1,000. 
  • App notifications for all your account activity
  • Easy savings pots for particular purposes
  • Freeze/unfreeze account from the app
PAYMENT OPTIONS
  • Bank transfer
  • Monzo account

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Latest Reviews

Pros

Cons

Pros

Cons

Pros

  • Option to hold and switch between multiple currencies
  • Payment splitting tool is useful on a day-to-day basis
  • Very good range of security features
  • Debit (prepaid) cards manageable via the app
  • Good exchange rates on international transfer

Cons

  • Not fully licensed, so no FSCS protection.
  • You can only withdraw £200 a month in cash