Everyday account
Check whether the provider offers a full current account and card, or only savings, credit or money-transfer products.
Loading the comparison hub
Digital bank comparisons
Compare Digital Banks
Compare digital banks in the UK by app features, fees, savings options, budgeting tools, travel spending, protection and everyday account features. Use this hub to find digital bank reviews, side-by-side comparisons and guides for specific needs.
Point-by-point comparison
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 | Trustpilot 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 | |
 | Yes (FSCS £120k) | N/A (no spending card) | Strong fixed and tracker rates | Fixed-term savings | |
 | 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 |
Cost check
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 2% cashback on everyday spending, up to £20 a month, with no end date but a 15-payments-a-month qualifying condition. 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 savings pots (up to 4.65% AER on fixed terms) 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.
Compare account types →Account-level comparison
Compare digital banks using the same fields
Providers are shown alphabetically, not ranked. Commercial relationships never determine inclusion or position.
Quick checks
What to compare
Protection
Confirm whether eligible deposits have FSCS protection or customer money is safeguarded under e-money rules.
App and support
Compare budgeting controls, payment tools, service channels and what happens when app access fails.
Travel and fees
Check exchange rates, overseas card fees, ATM allowances and any limits tied to a paid plan.
AtomApp-based savings and mortgages without an everyday current account or spending card.Trustpilot rating4.8/5Monthly feeN/ASavingsUp to 5.00% AERView Atom Overview Rates checked 21 September 2026
ChaseAn app current account combining cashback, linked savings and fee-free card spending abroad.Trustpilot rating3.5/5Monthly feeFreeSavings2.25% AER standard; 4.50% AER boostedView Chase Overview Rates checked 28 September 2026
KrooAn app-based current account with in-credit interest and fee-free overseas card spending.Trustpilot rating4.1/5Monthly feeFreeSavings2.65% AERView Kroo Overview Rates checked 28 September 2026
MoneseAn app money account with several plans, budgeting tools and support for customers new to the UK.Trustpilot rating4.3/5Monthly feeFree planSavingsPots & interestView Monese Overview Review updated 8 September 2026
MonzoAn app current account known for Pots, instant notifications, budgeting controls and paid plan options.Trustpilot rating4.6/5Monthly feeFree accountSavingsUp to 3.65% AERView Monzo Overview Rates checked 21 September 2026
RevolutMulti-currency accounts, travel tools and plan-based features; check the protection applying to each product.Trustpilot rating4.7/5Monthly feeFree planSavingsUp to 4.00% AERView Revolut Overview Rates checked 5 October 2026
Starling BankA free app current account with Spaces, bill tools and no Starling fees for card spending abroad.Trustpilot rating4.3/5Monthly feeFreeSavings4.00% AER introductoryView Starling Bank Overview Rates checked 28 September 2026
TandemAn app-based savings provider rather than an everyday current-account or card provider.Trustpilot rating4.2/5Monthly feeFreeSavingsUp to 4.93% AERView Tandem Overview Rates checked 28 September 2026
WiseA multi-currency e-money account for international transfers and spending, using safeguarding rather than normal deposit protection.Trustpilot rating4.3/5Monthly feeFreeSavings3.32% fund yield (not AER)View Wise Overview Rates checked 21 September 2026
ZemplerBusiness-focused digital banking with free and paid plans, cash-deposit routes and admin tools.Trustpilot rating4.5/5Monthly feeFree planSavingsLimited optionsView Zempler Overview Review updated 8 September 2026
ZopaAn app-based bank combining the Biscuit current account with savings pots and credit products.Trustpilot rating4.6/5Monthly feeN/ASavingsUp to 4.65% AERView Zopa Overview Rates checked 21 September 2026Browse by category
ComparisonDigital bank reviewsBrowse the main digital bank review cards before opening individual reviews.ComparisonDigital comparison tableJump straight to the full side-by-side digital bank comparison table on this page.Side-by-sideDigital bank vs bank comparisonsRead side-by-side write-ups pairing two named digital providers.ProtectionFSCS protection explainedCheck how protection and safeguarding differ across provider types.
What this page is
- Compares bank types, costs, features, protection and suitability signals.
- Links to reviews and focused guides for deeper checks.
What this page is not
- Does not provide personalised financial advice.
- Does not replace checking current provider terms before applying.
Specific needs
Compare digital banks by need
Use these comparison guides when your priority is student banking, travel, savings, budgeting, rewards, joint accounts or business banking.
ComparisonDigital student bank accountsCompare app-first student banking routes, overdraft notes, digital tools and protection points.TravelDigital banks for travelCompare overseas card spending, ATM rules, exchange-rate features and app controls.ComparisonBanks for budgeting toolsCompare app tools such as Pots, Spaces, salary sorting, bill separation and spending insights.SavingsDigital banks for savingsCompare savings pots, linked accounts, easy-access savings and eligibility notes.ComparisonBanks for cashback and rewardsCompare digital and high street accounts with cashback, rewards and bill-linked benefits.ComparisonCompare personal loansCompare app-based borrowing, overdraft and credit-product routes where available.ComparisonDigital banks for joint accountsCompare joint account options for bills, shared spending, budgeting and everyday use.BusinessDigital business bank accountsCompare app-based business accounts for sole traders, freelancers and small companies.Side-by-sideDigital vs high street banksSee how app-only banks and traditional banks compare for access, fees, support and everyday banking.
Need some context first?
Learn how UK banking works
Understand safety, fees, interest and protection before comparing providers.