Top 8 Online Banks.

February 2020

Join the revolution in the banking world by comparing & choosing the best

Brands Accounts & Pricing Cards Highlights Our Rating Next Step
1
  • Simple – Free
  • Classic – £5.95
  • Premium – £14.95
  • No credit checks & no proof of address required
  • Open an account in only 10 minutes
  • Receive £ or € bank transfers
  • Regulated by the FCA
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A Taste

Regulation & Additional features

  • No credit checks & no proof of address required
  • Open an account in only 10 minutes
  • Dual currency account in GBP/EUR
  • Regulated by the FCA
  • Free instant card top-ups
  • 14 supported languages

Extra Fees & Payments

  • Free Simple account + card
  • Free ATM withdrawals up to €200 per month
  • No monthly fees
  • No Fees for premium accounts
  • Make fast and secure contacless payments with Apple Pay or Google Pay
Monese Review
2
  • No Free Account
  • Premium Account – £7.99
  • Joint Account – £9.99
  • Group payments
  • Sub-account sharing
  • Send Money Overseas with Transferwise
96

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A Taste

Regulation & Additional features

  • Sign up in 5 minutes for 1 month trial of premium account
  • Shop online safely using a virtual one-time Online Card
  • Easy budgeting and saving tools

Extra Fees & Payments

  • Your money (up to €100,000.-) is fully insured by the Deposit Guarantee Scheme (DGS) in The Netherlands
  • Support Apple Pay and Google Pay
  • Up to 10 monthly Free global ATM withdrawals
  • Get paid easily from anyone using your personal payment link
bunq Review
3
  • Basic – Free
  • N26 You – €9.90
  • Metal – €16.90
  • Support Google Pay
  • UK account number & sort code
  • Partners with Transferwise™ for International Money Transfers.
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A Taste

Regulation & Additional features

  • Full European banking licence
  • Keep track on your account activities on-the-go
  • Extra safe – Fingerprint identification & advanced 3D Secure technology
  • Get insights on your spending habits using AI technology

Extra Fees & Payments

  • Partners with MoneyBeam for P2P Transactions
  • Basic Plan – 1.7% fee on FX withdrawals
  • Premium Plan – No fees on FX withdrawals
N26 Review
4
  • Simple account – £0.99 / month
  • Each Extra card (up to 3) – £0.99 / month
  • UK account number & sort code
  • Pay in cash at local shopes using Paypoint
  • Pay bills using direct debit
89

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A Taste

Regulation & Additional features

  • UK account number & sort code
  • Pay in cash at local shopes using Paypoint
  • Pay bills using direct debit
  • Send money abroad

Extra Fees & Payments

  • Simple account – £0.99 / month
  • Each Extra card (up to 3) – £0.99 / month
  • Int. transfer fee – £0.99
  • Foreign exchange Transfer fee – 3.5%
  • Int. ATM withdrawal fee – £2.25
  • Foreign exchange ATM fee – 4%
Pockit UK Review
5
  • Basic – Free
  • Premium – £6.99
  • Metal – £12.99
  • Money managing & saving tools
  • UK current account / European IBAN
  • Trade & Use Cryptocurrencies
86

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A Taste

Regulation & Additional features

  • Regulated by the FCA
  • Exchange 30 currencies directly into Crypto instantly
  • Worldwide insurance from £1.00 per day
  • Built in budgeting tools

Extra Fees & Payments

  • 0.5% Fee + interbank exchange rate for transferring money abroad over £5,000 each month
  • 0.5% Fee + interbank exchange rate for spending money abroad over £5,000 each month
  • Worldwide ATM withdrawals – up to £200 a month with no fee, 2% fee for over £200.
Revolut Review
6
  • Current Account
  • Bussiness account
  • Joint Account
  • Teen account
  • Only UK residents
  • GBP only account
  • Overdrafts up to £1,000
82

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A Taste

Regulation & Additional features

  • 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

Extra Fees & Payments

  • Earn up to 1.3% interest on your savings. T&C applied
  • Pay direct debits
  • Loans up to £15,000
Monzo Review
7
  • Borderless Account – Free
  • receive money from over 30 countries.
  • hold over 40 currencies in your account
  • Charge fees on sending money and converting currencies
79

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A Taste

Regulation & Additional features

  • Regulated By the FCA
  • Need to upload your ID documents in order to verify your account
  • Convert currencies in seconds
  • Easy-to-use app

Extra Fees & Payments

  • Free ATM withdrawals worldwide up to £200 every 30 days
  • Receive money with no fees
  • Up to 15X cheaper than high street banks when sending money abroad
Transferwise Review
8
  • Current Account
  • Bussiness account
  • Teen account
  • Instant notifications for payments
  • Seperate Euro account
  • Spending habits insights
77

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A Taste

Regulation & Additional features

  • Real time balance statements
  • Set saving goals
  • Lock your card in-app

Extra Fees & Payments

  • 0.4% Fee for currency conversions + delivery fee
  • £5.50 fee for priority delivery with SWIFT
Starling Bank Review
9
  • Current Account – Free
  • Multi-currency account
  • Send money via SMS
  • Flexible overdraft
  • Multiple currencies
75

More Details+

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A Taste

Regulation & Additional features

  • EU customers only
  • 4 worldwide ATM withdrawals per month free
  • Contactless payment

Extra Fees & Payments

  • Over 4 withdrawals per month – 2.99 EUR fee
  • Daily card limitations may apply
  • 0,6% interest rate on EUR saving account
Ferratum Bank Review

1

98

Open an account in only 10 minutes

2

96

3

92

4

89

5

86

6

82

7

79

8

77

9

75

The Advantages of Neobanks

Always Available

Now you can Fully manage your bank account on-the-go using the app or desktop site

Financial Control

Control your money with unique budgeting tools and real-time actions notifications

Safe & Secure

These services uses the highest level of security standarts, regulations and funds protection, so your money will be safe

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.