The best digital banks for personal banking

Reviews of the best online and mobile-first banks

In this section, you will find our top picks of Europe's best neobanks for individuals along with links to our in-depth reviews and the banks' official websites. Make sure to check out the quick info summary available for each of the banks by pressing on the expanding arrows next to the links and do not forget about various sign-up bonuses available today for simply creating an account at a few of these banks.

Looking for a new bank account? Scroll down to our "one-on-one" side-by-side reviews of the most popular subscriptions available on the market today.

bunq

An up-and-coming Dutch neobank that focuses on ethical investment options, giving their users an option to choose how their money get invested. bunq also planted over 2 million trees as part of their green initiative. Powerful Open API and colorful cards - what's not to like?

HQ: Amsterdam, NL
Founded in: 2,015
Users: 5'400'000+
Deposit protection: Up to €100'000
Website: bunq.com
Personal plans: ✔️
Starting at €2.99 per month
 
Business plans: ✔️
Starting at €4.99 per month
Currencies: EUR, USD, GBP, BGN, PLN + 10
Shared accounts: ✔️
Student accounts:
Support: Chat, email
Sign-up bonus: 30 days free trial
HQ: Amsterdam, NL
Founded in: 2,015
Users: 5'400'000+
Deposit protection: Up to €100'000
Support: Chat, email
Sign-up bonus: 30 days free trial
Website: bunq.com
Personal plans: ✔️
Starting at €2.99 per month
Business plans: ✔️
Starting at €4.99 per month
Shared accounts: ✔️
Student accounts:
Currencies: EUR, USD, GBP, BGN, PLN + 10

Tomorrow

Tomorrow represents the future of banking with a focus on being transparent, digital and sustainable. Instead of focusing purely on profits, the bank is instead committed to ethical investment practices and creating social equity.

HQ: Hamburg, DE
Founded in: 2,018
Users: 90'000+
Deposit protection: Up to €100'000
Website: tomorrow.one
Personal plans: ✔️
Starting at €3.00 per month
 
Business plans:
Currencies: EUR
Shared accounts: ✔️
Student accounts:
Support: Phone, chat, email
Sign-up bonus: N/A
HQ: Hamburg, DE
Founded in: 2,018
Users: 90'000+
Deposit protection: Up to €100'000
Support: Phone, chat, email
Sign-up bonus: N/A
Website: tomorrow.one
Personal plans: ✔️
Starting at €3.00 per month
Business plans:
Shared accounts: ✔️
Student accounts:
Currencies: EUR

Monese

Monese offers excellent currency exchange rates, an easy way to transfer money abroad in over 30 countries along with a great mobile app. Aimed at "digital nomads" from all over the EU, neobank offers customer support in 14 languages.

HQ: London, UK
Founded in: 2,014
Users: 2'000'000+
Deposit protection: Up to €85'000
Website: monese.com
Personal plans: ✔️
Free personal plan available
 
Business plans:
Currencies: GBP, EUR, RON
Shared accounts: ✔️
Student accounts:
Support: Chat
Sign-up bonus: N/A
HQ: London, UK
Founded in: 2,014
Users: 2'000'000+
Deposit protection: Up to €85'000
Support: Chat
Sign-up bonus: N/A
Website: monese.com
Personal plans: ✔️
Free personal plan available
Business plans:
Shared accounts: ✔️
Student accounts:
Currencies: GBP, EUR, RON

Wise

Formerly known as TransferWise, Wise is a go-to choice for money transfers abroad and international payments in any currency. With millions of loyal users, and a rich product development roadmap for years to come, Wise is a solid choice for a near-borderless experience.

HQ: London, UK
Founded in: 2,010
Users: 10'000'000+
Deposit protection: N/A
Website: wise.com
Personal plans: ✔️
Free personal plan available
 
Business plans: ✔️
Free business plan available
Currencies: 54 currencies
Shared accounts:
Student accounts: ✔️
Support: Phone, chat, email
Sign-up bonus: N/A
HQ: London, UK
Founded in: 2,010
Users: 10'000'000+
Deposit protection: N/A
Support: Phone, chat, email
Sign-up bonus: N/A
Website: wise.com
Personal plans: ✔️
Free personal plan available
Business plans: ✔️
Free business plan available
Shared accounts:
Student accounts: ✔️
Currencies: 54 currencies

The Best: Personal Banking


Reviews and comparison tables for easy side-by-side assessment of offers by EU's top banks

Revolut

Europe's biggest neobank, Revolut is a pioneer of mobile-first banking. Offering a wide range of financial services and banking products, including (but not limited to!) trading stocks and crypto, Revolut is a safe option regardless of customer's country of residence.

HQ: London, UK
Founded in: 2,015
Users: 18'000'000+
Deposit protection: Up to £85'000
Website: revolut.com
Personal plans: ✔️
Free personal plan available
 
Business plans: ✔️
Free business plan available
Currencies: 30+ currencies
Shared accounts:
Student accounts:
Support: Chat, email
Sign-up bonus: Save 20% paying annually
HQ: London, UK
Founded in: 2,015
Users: 18'000'000+
Deposit protection: Up to £85'000
Support: Chat, email
Sign-up bonus: Save 20% paying annually
Website: revolut.com
Personal plans: ✔️
Free personal plan available
Business plans: ✔️
Free business plan available
Shared accounts:
Student accounts:
Currencies: 30+ currencies

Curve

Promising assistance in "taking control of your money with one card and one app" to its users, Curve quickly gained popularity in the UK. Unique product that consolidates all your cards and accounts in one place, while categorizing payments and providing cashback.

HQ: London, UK
Founded in: 2,015
Users: 2'000'000+
Deposit protection: Up to €100'000
Website: curve.com
Personal plans: ✔️
Free personal plan available
 
Business plans:
Currencies: GBP
Shared accounts:
Student accounts:
Support: E-mail
Sign-up bonus: N/A
HQ: London, UK
Founded in: 2,015
Users: 2'000'000+
Deposit protection: Up to €100'000
Support: E-mail
Sign-up bonus: N/A
Website: curve.com
Personal plans: ✔️
Free personal plan available
Business plans:
Shared accounts:
Student accounts:
Currencies: GBP

Nuri

Nuri, formerly known as Bitwala, is a fully-licensed German bank that comes a very convenient mobile app to manage, save and grow your money by earning up to 3% interest on your account, creating savings plans and investing in cryptocurrencies.

HQ: Berlin, DE
Founded in: 2,015
Users: 300'000+
Deposit protection: Up to €100'000
Website: nuri.com
Personal plans: ✔️
Free personal plan available
 
Business plans:
Currencies: EUR
Shared accounts:
Student accounts:
Support: Chat
Sign-up bonus: Free debit card
HQ: Berlin, DE
Founded in: 2,015
Users: 300'000+
Deposit protection: Up to €100'000
Support: Chat
Sign-up bonus: Free debit card
Website: nuri.com
Personal plans: ✔️
Free personal plan available
Business plans:
Shared accounts:
Student accounts:
Currencies: EUR

Openbank

Openbank is a middle ground between traditional banks and their mobile-first neobank counterparts. Free current account, with full control from a very easy to use mobile app. Santander Group's subsidiary on a smaller scale.

HQ: Madrid, ES
Founded in: 1,995
Users: 1'500'000+
Deposit protection: Up to €100'000
Website: openbank.com
Personal plans: ✔️
Free personal plan available
 
Business plans:
Currencies: EUR
Shared accounts:
Student accounts:
Support: Phone, email
Sign-up bonus: N/A
HQ: Madrid, ES
Founded in: 1,995
Users: 1'500'000+
Deposit protection: Up to €100'000
Support: Phone, email
Sign-up bonus: N/A
Website: openbank.com
Personal plans: ✔️
Free personal plan available
Business plans:
Shared accounts:
Student accounts:
Currencies: EUR

Is there a bank we've missed in our comparison? Please let us know and we'll make sure to download the app ourselves, test it out and let our readers know if it's good or not. FintechCompass is not promoting any financial institution over another because of material incentives offered by third parties. We simply provide facts taken straight from the banks' websites and let the reader decide for themselves.

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