Top 8 Digital Banks - EU

October 2023
Europe

Compare & Choose the best Digital Bank service that suits your needs

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1

  • Simple - Free
  • Classic - €/£5.95
  • Premium - €/£14.95
  Monese Mastercard
  • Open an account in only 10 minutes
  • Receive £ or € bank transfers
  • Regulated by the FCA
98

More Details+

Go To Site
Sign up online in minutes

| A taste Go To Site

Additional Features

  • Debit/Virtual card with account
  • Free ATM withdrawals up to €200 per month
  • No monthly fees
  • Make fast and secure contactless payments with Apple Pay or Google Pay
  • 14 supported languages

Product Details

  • Virtual Card -
  1. Free of charge,
  2. Extra layer of security when shopping online.
  • Prepaid Debit Card -
  1. No Fees on ATM withdrawals.
  2. Your money is available to you in-store, online or at ATMs worldwide.
  3. Stylish designs
  4. Easy, quick and secure payments with just a single tap of your card
  5. Lock / Unlock on the go

x

Available On

Android Apple
98

Regulation

FCA

Additional Features

  • Debit/Virtual card with account
  • Free ATM withdrawals up to €200 per month
  • No monthly fees
  • Make fast and secure contactless payments with Apple Pay or Google Pay
  • 14 supported languages

Product Details

  • Virtual Card:
  • Free of charge,
  • Extra layer of security when shopping online.
  • Prepaid Debit Card:
  • No Fees on ATM withdrawals.
  • Your money is available to you in-store, online or at ATMs worldwide.
  • Stylish designs
  • Easy, quick and secure payments with just a single tap of your card
  • Lock / Unlock on the go
Read Full Review

2 Bunq

Bunq

  • Easy Green - €16.99/m
  • Easy Money - €7.99/m
  • Easy Travel - €9.99/one time
    Bunq card
  • Sign up in 5 minutes desk
  • No Tax number needed
  • No Credit Checks
  • No monthly fees
  • Great for Expats
96

More Details+

Go To Site
Free 1 month trial of a Easy Money account

Bunq | A taste Go To Site

Additional Features

  • Up to 25 bank accounts - each with its own IBAN
  • Sub-account sharing
  • Send Money Overseas with Transferwise
  • Shop online safely using a virtual one-time Online Card
  • Receive 0.27% interest on top of your bank balance

Product Details

  • Bunq ‘Metal Card’
  1. Support Apple Pay and Google Pay desk
  2. Up to 10 monthly Free global ATM withdrawals
  3. Available with Easy Green & Easy Money Accounts
  • Bunq ‘Travel Card’
  1. Available with Easy Travel Account
  2. Worldwide acceptance
  3. Low fees & exchange rates when spending abroad

x

Available On

Android Apple
96

Regulation

DSG

Additional Features

  • Sign up in 5 minutes mob
  • No Tax number or Credit checks  needed
  • No monthly fees
  • Shop online safely using a virtual one-time Online Card
  • Receive 0.27% interest on top of your bank balance
  • Great for Expats

Product Details

  • Bunq ‘Metal Card’:
  • Support Apple Pay and Google Pay desk
  • Up to 10 monthly Free global ATM withdrawals
  • Available with Easy Green & Easy Money Accounts
  • Bunq ‘Travel Card’:
  • Available with Easy Travel Account
  • Worldwide acceptance
  • Low fees & exchange rates when spending abroad
Read Full Review

3

  • Multi-currency Global account
  • Free Virtual Card
    Paysend ‘SmartCard’
  • Fast & simple online sign up
  • Multi-currency account
  • Free Virtual Card
  • 24/7 customer support
92

More Details+

Go To Site
Sign up online in minutes

| A taste Go To Site

Additional Features

  • SmartCard with no fees
  • Hold and switch 8 currencies
  • International money transfers - low rates
  • International Paysend Mastercard - No extra charges

Product Details

  • Virtual Card -
  1. Free of charge,
  2. keeping you safe when making purchase online.
  • ‘SmartCard’ -
  1. No Fees.
  2. No extra charges while using abroad.
  3. Link your card to your local currency for everyday spending
  4. Freeze / Unfreeze instantly

x

Available On

Android Apple
92

Regulation

FCA

Additional Features

  • Fast & simple online sign up
  • Multi-currency account
  • Free Virtual Card
  • 24/7 customer support

Product Details

  • SmartCard with no fees
  • Hold and switch 8 currencies
  • International money transfers - low rates
  • International Paysend Mastercard - No extra charges
Read Full Review

4 N26

N26

  • Basic - Free
  • N26 SMART - €4.90/m
  • N26 You - €9.90/m
  • Metal - €16.90/m
   N26 Metal card
  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Support Google Pay & Apple Pay
  • Contacless payments
  • No Currency exchange fees
89

More Details+

Go To Site

N26 | A taste Go To Site

Additional Features

  • Free Standard account
  • Free payments in any currency
  • 100% Mobile banking for all your transactions
  • 24/7 Chatbot support, In-app livechat
  • Free ATM withdrawals worldwide
  • 3D Secure online payments

Product Details

  • N26 Standard - Free
  1. Virtual card. Optional physical card for a €10 delivery fee
  • N26 SMART - €4.90/m
  1. Free colorful Debit card + optional extra card
  • N26 You - €9.90/m
  1. Free colorful Debit card + optional extra card
  2. Unlimited free withdrawals in any currency
  • Metal - €16.90/m
  1. An 18-gram metal card, accepted worldwide
  2. Unlimited free withdrawals in any currency
  3. Full travel insurance package
  4. Full lifestyle insurance package

x

Available On

Android Apple
89

Regulation

BaFin

Additional Features

  • Free Standard account
  • Free payments in any currency
  • 100% Mobile banking for all your transactions
  • 24/7 Chatbot support, In-app livechat
  • Free ATM withdrawals worldwide
  • 3D Secure online payments

Product Details

  • N26 Standard - Free:
  • Virtual card. Optional physical card for a €10 delivery fee
  • N26 SMART - €4.90/m:
  • Free colorful Debit card + optional extra card
  • N26 You - €9.90/m:
  • Free colorful Debit card + optional extra card
  • Unlimited free withdrawals in any currency
  • Metal - €16.90/m:
  • An 18-gram metal card, accepted worldwide
  • Unlimited free withdrawals in any currency
  • Full travel insurance package
  • Full lifestyle insurance package
Read Full Review

5 Vivid

Vivid

  • Vivid Standart - Free
  • Vivid Prime - 3 month free, 9.90 €/month after
Vivid card
  • Free metal card for every client
  • Free checking accounts
  • Up to 25
86

More Details+

Go To Site
DE,ES,IT&FR costumers only

Vivid | A taste Go To Site

Additional Features

  • Grow your savings with 'Pockets'
  • Withdraw up to 1000 € a month for free (even abroad).
  • Fee-free payments globally, money transfers & direct debits

Top Destination Countries

  • Vivid Standard - 0€/month:
  • Free DE banking account
  • First extra-secure metal card for free
  • Up to 15 free Pocket accounts with separate SEPA-eligible IBAN
  • Up to 40 currencies in free separate pockets
  • Up to 20€ cashback per month
  • Free cash withdrawal globally: Up to 200€ per month
  • 24/7 customer support live chat
  • Vivid Prime - 3 months for free, 9.90€/month after:
  • Free DE banking account
  • First extra-secure metal card for free
  • Up to 15 free Pocket accounts with separate SEPA-eligible IBAN
  • Up to 107 currencies in free separate pockets
  • Up to 100€ cashback per month
  • Free cash withdrawal globally: Up to 1000€ per month
  • 24/7 customer support live chat

x

Available On

Android Apple
86

Regulation

BaFin

Additional Features

  • Free metal card for every client
  • Up to 25% cashback on leading brands purchases
  • Get rewards in companies’ stocks
  • Grow your savings with 'Pockets'
  • Fee-free payments globally, money transfers & direct debits

Top Destination Countries

  • Vivid Standard - 0€/month:
  • Free DE banking account
  • First extra-secure metal card for free
  • Up to 15 free Pocket accounts with separate SEPA-eligible IBAN
  • Up to 40 currencies in free separate pockets
  • Up to 20€ cashback per month
  • Free cash withdrawal globally: Up to 200€ per month
  • 24/7 customer support live chat
  • Vivid Prime - 3 months for free, 9.90€/month after:
  • Free DE banking account
  • First extra-secure metal card for free
  • Up to 15 free Pocket accounts with separate SEPA-eligible IBAN
  • Up to 107 currencies in free separate pockets
  • Up to 100€ cashback per month
  • Free cash withdrawal globally: Up to 1000€ per month
  • 24/7 customer support live chat
Read Full Review

6 Qonto

Qonto

  • Solo - €9/month
  • Standard - €29/month
  • Premium - €99/month
  qonto Business card 
  • FR, IT, ES or DE IBANs, Physical & Virtual card
  • Advanced Bookkeeping and Accounting Tools
  • Automatic VAT detection tool
82

More Details+

Go To Site

Qonto | A taste Go To Site

Additional Features

  • Supervised by the ACPR (Banque de France)
  • Freelancers / SMEs / Enterprises Accounts
  • Initiate and Receive transactions with a click
  • Upload receipts with camera and attach it to the transaction

Product Details

  • Solo - €9/month:
  • 20 SEPA transfers & direct debits
  • 1 Mastercard physical card
  • Optional Mastercard virtual cards
  • Optional check cashing
  • 1 Member
  • Standard - €29/month:
  • 100 SEPA transfers & direct debits
  • 2 Mastercard physical card
  • 2 Mastercard virtual cards
  • 3 Checks to cash
  • Up to 5 Members
  • Premium - €99/month:
  • 500 SEPA transfers & direct debits
  • 5 Mastercard physical card
  • Unlimited Mastercard virtual cards
  • 10 Checks to cash
  • Unlimited Members

x

Available On

Android Apple
82

Regulation

ACPR

Additional Features

  • Supervised by the ACPR (Banque de France)
  • Freelancers / SMEs / Enterprises Accounts
  • Initiate and Receive transactions with a click
  • Upload receipts with camera and attach it to the transaction

Product Details

  • Solo-€9(m)/ Standard-€29(m)/ Premium-€99(m):
  • 20/100/500 SEPA transfers & direct debits
  • 1/ 2/ 5 Mastercard physical card
  • Optional/ 2/ Unlimited Mastercard virtual cards
  • Optional/ 3/ 10 check cashing
  • 1/ Up to 5/ Unlimited Members
Read Full Review

7 Revolut

Revolut

  • Standard - Free
  • Plus - £2.99/m
  • Premium - £6.99/m
  • Metal - £12.99/m
  • Spending Analytics
  • Send money worldwide without hidden fees
79

More Details+

Go To Site

Revolut | A taste Go To Site

Additional Features

  • Euro IBAN account
  • Travel without extra hidden fees
  • Easy money management toold
  • Round up on card payments for savings
  • Send & request money globally
  • Trade Shares, Commodities & Crypto easily via app

Product Details

  • Standard £0/m’:
  • UK Account
  • Euro IBAN Account
  • No Fee ATM withdrawals up to £200
  • Plus - £2.99/m:
  • Standard +:
  • 24/7 customer support
  • Junior features access
  • Premium - £6.99/m:
  • Plus +:
  • Exclusive card designs
  • International payments
  • Metal - £12.99/m:
  • Premium +:
  • Revolut Metal card
  • Cashback on card payments

x

Available On

Android Apple
79

Regulation

FCA

Additional Features

  • Euro IBAN account
  • Travel without extra hidden fees
  • Easy money management toold
  • Round up on card payments for savings
  • Send & request money globally
  • Trade Shares, Commodities & Crypto easily via app

Product Details

  • Standard £0/m’:
  • UK Account
  • Euro IBAN Account
  • No Fee ATM withdrawals up to £200
  • Plus - £2.99/m:
  • Standard +:
  • 24/7 customer support
  • Junior features access
  • Premium - £6.99/m:
  • Plus +:
  • Exclusive card designs
  • International payments
  • Metal - £12.99/m:
  • Premium +:
  • Revolut Metal card
  • Cashback on card payments
Read Full Review

The Advantages of Digital Banks

The Advantages of Digital Banks

Stay On The Safe Side & Make Smarter Decision

Stay On The Safe Side & Make Smarter Decision

All of the services presented in our website are regulated and licenced. Top8neobanks' team of fintec experts took an in depth reviews and examinations of these services and thier products in order to give you, the customer, as much added value as possible and allowing you to make smarter and safer decision before upgrading your financial life and opening your first digital bank account with one of the many services available in the market. If you find anything incorrect with the data presented both on our site and/or the services, please feel free to contact us via email, and we will do our best to correct it and inform others. Thank you for choosing our service and we hope you will be satisfied from choosing to be part of the revolution of banking re-defind.