Top 8 Digital Banks - UK

April 2024
United Kingdom

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1 Chase

Chase

Chase Current Account - Free

Requirements:

  • be 18+
  • be a resident of the UK only
  • have a smartphone and a UK mobile number
  • be a tax resident of the UK
  • Numberless card for maximum security
  • Monitor your money via app
  • 24/7 support
  • Invest with Nutmeg via app
98

More Details+

Go To Site
1% Cashback on everyday debit card spending*

Chase | A taste Go To Site

A taste

Additional Features

  • Pay zero fees from us whether you are home or abroad.
  • Earn 5% AER (4.89% gross) variable on separate round up pot paid monthly. Chase current account required to open round-up account. Round-up account balance transfers to elected Chase current or saver account on anniversary of account opening. T&Cs apply.

Account Pricing & Requirements

Chase Current Account - Free

  • be 18+
  • be a resident of the UK only
  • have a smartphone and a UK mobile number
  • be a tax resident of the UK

x

Available On

Android Apple
98

Regulation

FSCS

Additional Features

  • Pay zero fees from us whether you are home or abroad.
  • Earn 5% AER (4.89% gross) variable on separate round up pot paid monthly. Chase current account required to open round-up account. Round-up account balance transfers to elected Chase current or saver account on anniversary of account opening. T&Cs apply.
  • Numberless card for maximum security
  • Monitor your money via app
  • 24/7 support
  • Invest with Nutmeg via app

Account Pricing & Requirements

*1% Cashback on everyday debit card spending. Available for your first 12 months as a new customer. Max £15 per month. Cashback exceptions apply

Read Full Review

2

  • Current Account - Free
  • Euro Account - Free
  • Business account - Free
  • Teen account -Free
  • Your Money is Protected by FSCS
  • British Bank Awards winner
  • Free Current account
  • Free Mastercard debit card
  • 100% Digital banking
96

More Details+

Go To Site

| A taste Go To Site

A taste

Additional Highlights

  • No fees on payments & withdrawals with your card abroad
  • Earn interest on your account balance
  • Deposit cash & cheques to account at any Post Office
  • 24/7 UK Customer Support

Key Products Features

  • Current Account:
  • Spending insights and smart budgeting tools
  • Split bills with friends and family easily & use Spaces to save
  • Connect all your financial products - mortgage, insurance or pension.
  • Lock/Unlock your card with a tap
  • Earn 0.05% interest on your balance
Starling Bank Review

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Available On

Android Apple
96

Regulation

FCA

Additional Highlights

  • Your Money is Protected by FSCS
  • British Bank Awards winner
  • Free Current account
  • Free Mastercard debit card
  • 100% Digital banking
  • Personal loans - competitive pricing, tailored for you
  • No fees on payments & withdrawals with your card abroad
  • 24/7 Support

Key Products Features

  • Current Account:
  • Spending insights and smart budgeting tools
  • Split bills with friends and family easily & use Spaces to save
  • Connect all your financial products - mortgage, insurance or pension.
  • Lock/Unlock your card with a tap
  • Earn 0.05% interest on your balance
  • Withdraw from ATMs and deposit cash at any of Post Office's 11,500 branches
  • Euro Account:
  • Hold, send & receive euros for free
  • Use a single card to manage your EUR and GBP accounts
  • Transfer money between your GBP and EUR accounts 24/7 (even weekends).
Read Full Review

3 Revolut

Revolut

  • Standard - Free
  • Plus - £2.99/m
  • Premium - £6.99/m
  • Metal - £12.99/m
  • Spending Analytics
  • Send money worldwide without hidden fees
92

More Details+

Go To Site

Revolut | A taste Go To Site

A taste

Additional Highlights

  • 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

Key Products Features

  • 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
92

Regulation

FCA

Additional Highlights

  • 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

Key Products Features

  • 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

4

  • 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
89

More Details+

Go To Site
Get £10 after 1st physical card transaction. code: NEOBANKS

| A taste Go To Site

A taste

Additional Highlights

  • 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

Key Products Features

  • 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
Monese Review

x

Available On

Android Apple
89

Regulation

FCA

Additional Highlights

  • 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

Key Products Features

  • 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

5

  • No credit checks
  • No hidden charges
  • Prepaid Debit MasterCard® Card
  • Guaranteed acceptance to everyone (subject to proper identification)
  • Quick and easy to apply
86

More Details+

Go To Site
No Credit checks

| A taste Go To Site

A taste

Additional Highlights

  • Monitor 24/7 via App
  • Pay Bills faster
  • Sort code & account number delivered in minutes
  • Direct debit and standing order
  • Easy account switching
  • Pay in cash and cheques
  • Cashback rewards
  • Free mobile App

Key Products Features

  • COM Current Account £12.50/m:
  • Up to 8 percent cashback when you spend in shops
  • Direct Debits with enhanced security
  • UK call centre.
  • Online, text and phone account access.
  • No bounced payment charges.
  • Acorn Current Account - £14.50/m:
  • UK call centre.
  • Direct Debits with priority feature
  • Online & mobile Account
  • Free text alerts
  • No bounced payment fees

x

Available On

Android Apple
86

Regulation

FCA

Additional Highlights

  • No credit checks
  • No hidden charges
  • Prepaid Debit MasterCard® Card
  • Guaranteed acceptance to everyone (subject to proper identification)
  • Quick and easy to apply

Key Products Features

  • COM Current Account £12.50/m:
  • Up to 8% cashback when you spend in shops
  • Direct Debits with enhanced security
  • UK call centre.
  • Online, text and phone account access.
  • No bounced payment charges.
  • Acorn Current Account - £14.50/m:
  • UK call centre.
  • Direct Debits with priority feature
  • Online & mobile Account
  • Free text alerts
  • No bounced payment fees
Read Full Review

6

  • 100% Approval of account once you're verified
  • No Credit Checks
  • UK account number & Sort code
  • Contactless Debit Mastercard®
  • Manage your account from any device, anywhere.
82

More Details+

Go To Site

| A taste Go To Site

A taste

Additional Highlights

  • Open bank account in minutes
  • 24/7 banking - account services at a click or a tap
  • Apply straight from your mobile
  • Creditbuilder add on for free
  • UK customer service

Key Products Features

  • Flexiplus - Free:
  • Card issue fee - £5.95
  • UK purchases - £0.99 each
  • Direct debits - £0.99 each
  • ATM withdrawals - £2.00
  • Activeplus - £5.95/m:
  • Card issue fee - £5.95
  • UK purchases - Free
  • Direct debits - Free
  • ATM withdrawals - £2.00
  • Deluxe - £9.95/m:
  • Card issue fee - £5.95
  • UK purchases - Free
  • Direct debits - Free
  • ATM withdrawals - Free

x

Available On

Android Apple
82

Regulation

FCA, FRN

Additional Highlights

  • 100% Approval of account once you're verified
  • No Credit Checks
  • UK account number & Sort code
  • Contactless Debit Mastercard®
  • Manage your account from any device, anywhere.
  • Open bank account in minutes
  • 24/7 banking - account services at a click or a tap
  • Apply straight from your mobile
  • Creditbuilder add on for free
  • UK customer service

Key Products Features

  • Flexiplus - Free:
  • Card issue fee - £5.95
  • UK purchases - £0.99 each
  • Direct debits - £0.99 each
  • ATM withdrawals - £2.00
  • Activeplus - £5.95/m:
  • Card issue fee - £5.95
  • UK purchases - Free
  • Direct debits - Free
  • ATM withdrawals - £2.00
  • Deluxe - £9.95/m:
  • Card issue fee - £5.95
  • UK purchases - Free
  • Direct debits - Free
  • ATM withdrawals - Free
Read Full Review

7

  • Tally Personal Banks:
  • 30-day trial
  • £20 account activation fee
  • Account keeping fee of 1% p.a
  • Save in gold to protect the long-term value of your money
  • Spend your gold instantly at 47m merchants worldwide
  • Withdraw cash with the Tally Debit Mastercard
  • No added foreign currency markups or fees (even at ATMs)
79

More Details+

Go To Site

| A taste Go To Site

Additional Highlights

  • Monitor 24/7 via App
  • Pay Bills faster
  • Switch account easy
  • Cashback rewards
  • Free mobile App

Key Products Features

  • Travel Card  - No cap on the number of free international withdrawals (just a daily limit)

x

Available On

Android Apple
79

Regulation

FCA

Additional Highlights

  • Save in gold to protect the long-term value of your money
  • Spend your gold instantly at 47m merchants worldwide
  • Withdraw cash with the Tally Debit Mastercard
  • No added foreign currency markups or fees (even at ATMs)

Key Products Features

  • Tally Personal Banks:
  • 30-day trial 
  • £20 account activation fee
  • Account keeping fee of 1% p.a
Read Full Review

8 Monzo

Monzo

  • Current Account
  • Bussiness account
  • Joint Account
  • Teen account
  • Only UK residents
  • GBP only account
  • Overdrafts up to £1,000
77

More Details+

Go To Site

Monzo | A taste Go To Site

Additional Highlights

  • UK customers Only
  • Put your salary into Monzo and get the cash a day before
  • Money management tools in-app
  • Set budget for your spendings

Key Product Features

  • Earn up to 1.3% interest on your savings. T&C applied
  • Pay direct debits
  • Loans up to £15,000

x

Available On

Android Apple
77

Regulation

FCA

Additional Highlights

  • UK customers Only
  • Put your salary into Monzo and get the cash a day before
  • Money management tools in-app
  • Set budget for your spendings

Key Product Features

  • Earn up to 1.3% interest on your savings. T&C applied
  • Pay direct debits
  • Loans up to £15,000
Read Full Review

The Advantages of Digital Banks

The Advantages of Digital Banks

Compare & take control over your financial life

Compare & take control over your financial life

All of the services presented in our website are regulated and licences. Top8digitalbanks' team of fin-tech experts took an in depth reviews and examinations of these services and their 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-defined.