The best digital banks for personal banking

Top online and mobile-first banks reviewed by fintech experts

November 26, 2022


In this section, you will find our top picks of Europe's top rated banks for individuals along with links to our in-depth reviews written by fintech experts. Each review of bank accounts listed here was written and fact-checked by our in-house team of professionals. We made sure to only include financial financial institutions that undergo frequent audits, are fully licensed and have all the necessary certifications. That way, you can be confident in your choice and rest easy, knowing your money is always safe, and your personal data is stored securely. The quick info cards found below can be expanded to reveal the most important information about each digital bank in form of a brief summary.

Do you want to choose a bank account from one of best banks for personal banking? Scroll down to find our list of "one-on-one" side-by-side comparisons of the most popular personal bank accounts available today. We are constantly expanding our selection of current account reviews, adding more neobanks every day, so make sure to check back later. After all, new digital banks, great savings accounts, popular online banks appear all the time, so it is important to stay on top of the industry news, to ensure you're getting the best service you could.

  • Monthly cost Starting from €2.99
  • Joint accounts ✔️
  • Business accounts ✔️
  • Sign-up bonus 30 days free trial
  • Official Website bunq.com
  • Monthly cost Starting from €3.00
  • Joint accounts ✔️
  • Business accounts
  • Total users 90'000+
  • Official Website tomorrow.one

Bank Accounts for Businesses

Time is money if you are a business owner, franchisee or a freelancer. Discover modern mobile-first bank accounts for companies of any scale and benefit from unique features and products built for digital-native entrepreneurs. Spend less time thinking about banking and more time growing your business.

Business banking on mobile.
  • Free plan available ✔️
  • Joint accounts ✔️
  • Business accounts
  • Total users 2'000'000+
  • Official Website monese.com
  • Free plan available ✔️
  • Joint accounts
  • Business accounts ✔️
  • Total users 10'000'000+
  • Official Website wise.com

Top Bank Accounts for Individuals, Compared


Reviews and comparison tables for easy side-by-side assessment of the most popular plans offered by top digital banks on the market.

  • Free plan available ✔️
  • Joint accounts
  • Business accounts ✔️
  • Sign-up bonus Save 20% paying annually
  • Official Website revolut.com
  • Free plan available ✔️
  • Joint accounts
  • Business accounts
  • Total users 2'000'000+
  • Official Website curve.com

Multiply Your Wealth

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Nurture your financial health.
  • Free plan available ✔️
  • Joint accounts
  • Business accounts
  • Total users 1'500'000+
  • Official Website openbank.com
  • Free plan available ✔️
  • Joint accounts ✔️
  • Business accounts ✔️
  • Total users > 8'000'000
  • Official Website n26.com

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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