Europe's Top Digital Banks in 2025

UK-based neobanking superstar Monese is arguably the easiest money management assistant you might have. Challenger bank's range of features is truly impressive: from salary advances and creating dedicated sub-accounts for recurring bills, to easy savings by rounding up purchases and automatic transaction categorization. Monese also offers a high interest rate on your savings account. Overall, you might find switching to Monese a real life-changer if you always wanted to be in total control of your finances! As an additional bonus, Monese bank cards are quite an eye-catcher.

Monese wins our "Best Budgeting Assistant" award!

This Dutch neobank bunq offers their users a unique ability to plant a real tree with every €100 spent, allowing you to offset your CO2 footprint without thinking. On top of that, bunq users get to choose where their money is invested: that way, you can choose to only allow the bank to use your money to invest in "Green" and sustainable companies. bunq has an impressive selection of joint banking features, powerful mobile apps and a flexible pricing with multi-tier plans.

Last year, bunq also added an option of opening sub-accounts with IBANs in multiple countries along with an option to store, pay and get paid in over 25 currencies. This (as well as customer support available in 7 languages and a wide range of truly unique and exciting features) made bunq a truly borderless banking experience for a modern freelancer or remote worker.

Our jury is proud to present bunq with the "Best Bank for Digital Nomads" award!

It was extremely challenging to pick an absolute winner, as other contestants for the "Best Digital Bank of 2024 (Awarded in 2025)" trophy put up a tough fight. Obviously, there could be arguments for all of them and everyone has a different set of needs when it comes to banking. However, there had to be a winner and today, we are proud to announce...

Revolut is Europe's biggest mobile-first bank and for a reason! Revolut offers a great range of features, lightning-fast customer support, free joint accounts to bank as a couple, transparent pricing and even a free bank account for your business. The list goes on and on: fee-free currency exchange, trading stocks and ETFs in-app, multi-currency accounts as and even free international transfers.

The new cleaned-up app design looks great and feels so natural even your parents will figure it out. And we can't help but mention the amazing metal bank cards Revolut offers their users - seems like everything this bank does sets a benchmark for the whole industry.

We already compared Revolut to bunq, and both banks are great, so we definitely advise you to explore both of them out yourself, enjoy the free trial and make a decision yourself!

2024 was an exciting year in digital banking, a year where once again mobile-first banks accelerated their rate of adoption among the mainstream audience. We at Fintech Compass are really excited to see the industry develop further in the later parts of 2025: fintechs with huge market shares and strong customer brands with values increasingly important to modern audiences like Tomorrow bank's are surely making traditional banks nervous.

At the end of the day, we can already see how increased competition from agile and flexible online challengers benefits all customers. For instance, it makes banks like Santander explore digital innovation space to provide better banking products. COVID-19 kickstarted the new reality with an increased pressure to reduce operational costs, made banking more "remote-friendly" and "chat-first": finally, you can get a bank account, order a card and start investing without leaving your home.

The fierce competition for the best investment platforms available makes us even more excited about the future of banking. And it is changing fast: new start-ups pop up trying to reach the "unicorn" status of being valued at over €1B, their competitors adapt and improve their product... It is hard to keep up, but we are a team of experts after all, so stay tuned in the coming year!