Compare All UK Digital Banks
A complete side-by-side comparison of the UK's most popular app-only and digital banks. Compare travel fees, savings rates, app ratings, account features, and customer benefits in one place.
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Browse digital bank vs bank comparisonsQuick Comparison Guide
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Compare Digital Banks Side-by-Side
Compare fees, FSCS protection, savings rates, mobile app ratings, and key features across the UK's leading digital banks in one easy-to-read table.
| Bank | FSCS | Fee-Free Abroad | Savings | Rating | Useful For |
|---|---|---|---|---|---|
 | Yes (FSCS £120k) | N/A (no spending card) | Strong fixed-rate savings | Savings & mortgages | |
 | Yes (FSCS £120k) | Yes, fully fee-free | Very strong AER | Cashback & savings | |
 | Yes (FSCS £120k) | Yes, fully fee-free | Basic tools | Ethical everyday banking | |
 | No (Funds Safeguarded) | Yes (plan dependent) | Pots & interest | New to UK | |
 | Yes (FSCS £120k) | Yes, fully fee-free | Pots + decent AER | Budgeting & daily use | |
 | No (LDIS €100k) | Excellent FX (free limit) | Paid tiers boost savings | Travel & multi-currency | |
 | Yes (FSCS £120k) | Yes, fully fee-free | Spaces + solid tools | Everyday current account | |
 | Yes (FSCS £120k) | N/A (no spending card) | High interest savings | Eco-friendly & saving | |
 | No (Funds Safeguarded) | Amazing FX (low fees) | Low interest | Global money transfers | |
 | Yes (FSCS £120k) | Fee-free (Activeplus) | Limited options | Business & credit building | |
 | Yes (FSCS £120k) | Standard fees | Competitive AER | Savings & loans |
Account Fees At A Glance
A quick comparison of monthly account fees across the leading UK digital banks.
| Bank | Standard Account Fee | Paid Tiers | Notes |
|---|---|---|---|
A | Not applicable | Savings & mortgages only | Specialist savings and mortgage provider — no personal current account. Offers fixed-rate savings, cash ISAs, and residential mortgages via brokers. |
| Free | No account upgrade options | Free current account with 1% cashback on everyday spending for 12 months. Linked savings account with competitive rates. No fees for spending abroad. |
| Free | No premium account tiers | Completely free current account with 2.65% AER variable interest on eligible balances. Ethical banking with fee-free spending worldwide and carbon offsetting. |
| Free (Simple plan) | Everyday: £2.95/month | Cashback: £7.95/month | Simple plan has basic features. Paid plans offer UK account details for non-residents, fee-free cash withdrawals abroad, travel insurance, and cashback on spending. |
| Free | Plus: £5/month | Premium: £15/month | Max: Contact for pricing | Free tier includes budgeting Pots & notifications. Plus adds virtual cards & credit tracking. Premium offers travel/phone insurance, metal card, and higher savings rates. |
| Free (Standard) | Plus: £3.99 | Premium: £7.99 | Metal: £14.99 | Ultra: £55/month | Free plan handles basics well. Paid tiers unlock higher FX limits, travel insurance, airport lounge access, cashback, and premium support. Ultra includes concierge and better rates. |
| Free | No premium personal tiers | Completely free personal current account with fee-free spending abroad, savings Spaces, and business banking options. No monthly fees for standard features. |
| Free | No current account fees | Savings-focused digital bank (no current account). Offers competitive fixed-term and instant-access savings accounts, plus green home improvement loans. |
| No monthly account fee | Transaction-based pricing only | Not a bank — no FSCS protection. Free to open account; pay per transaction (currency conversion, transfers). Excellent for holding/spending 40+ currencies with mid-market rates. |
Z | Free (Freedom plan) | Activeplus: £5.95/month | Business plans available | Freedom plan offers basic banking. Activeplus includes worldwide travel insurance, airport lounge access, higher savings rates, and premium card options. |
| Free | No monthly account fees | Free smart current account with competitive savings pots (up to 7.10% AER) and access to loans/credit cards. Focus on credit building and savings. |
FAQs
Frequently Asked Questions
Quick answers to common digital banking questions.
Are app-only banks safe?
Many UK app-only banks are fully licensed and FSCS protected. E-money providers are different, so always check whether funds are FSCS protected or safeguarded.
Read our FSCS guide →Do digital banks offer interest?
Yes. Several digital banks offer savings accounts, interest on balances or linked savings pots, but rates and eligibility can change by provider.
Compare savings options →Can I use digital banks abroad?
Yes. Some digital banks are strong for travel spending, but check ATM limits, weekend exchange-rate fees, fair-use rules and paid-plan benefits before relying on one card.
Compare travel spending →Are digital banks regulated?
Digital banks and e-money providers can both be regulated, but the protection is not always the same. The key is whether the provider is a licensed bank or safeguards customer funds.
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