The Best Student Mobile Banks

Comparing top bank accounts for EU students

College is a time of great transition. You're making your first foray into the working world, and you're going to need a bank account. Sure, there are plenty of banks available for students in Europe - but which one should you choose? We've compiled an exhaustive list of mobile banks that offer digital accounts specifically designed with student needs in mind. These include low-interest rates on loans, no overdraft fees, and free Apple Pay! Best of all, these features don't come at the cost of customer service or accessibility - if you want to talk to someone about your finances face-to-face then branches are still available too (for some of them)!

Students have their own needs when choosing a bank account

What to look for in a digital bank?

Three aspects to consider when choosing a digital bank are security, fees and charges, and practicality. The first thing you should look for in a banking service is how secure it will be. This has become more difficult as hacking cases have risen; so make sure that your data is encrypted using the latest technology available today with all of its innovations!

Second on our list would be the fee schedule which includes every transaction or withdrawal from an account including the maintenance (monthly) charges (if any).

Thirdly we've got convenience: this means not only being close by but also having easy access via mobile devices since many people prefer doing their banking while they're out-and-about rather than sitting at home watching TV.

Studying should always be a priority so you don't need any hassle

Best of the best

Now let's dive deeper into our selection featuring five of Europe's best solutions for mobile-first 21 century banking for students all over Europe. Visit our review pages to read up more about each individual solution we recommend by clicking the links next to the bank that intrigues you or check out our bank account comparison overview to find the best option yourself.

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

Who says banking can't be fun? Netherland's latest fintech unicron, Amsterdam-based neobank bunq is not only focusing on ethical investment options with their user, but they're also planting over 2 million trees as part of their green initiative. This creative and innovative company has a powerful open API that lets you seamlessly switch banks in the blink of an eye (literally). And colorful cards are just one more perk! bunq offers a range of savings accounts and student cards, but the best reason to use bunq is that it’s an easy way into the world of banking as well as one of the few banks with both Android and iOS apps. They also offer excellent rates on low deposit requirements - perfect for cash-strapped university kids!


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

Wise is probably the best solution for international students that expect frequent money transfers in non-Euro currency: with impressively low fees on money transfers abroad, as well as a very friendly and convenient app, Wise should be every non-European's personal helper in Europe, no doubt. They offer a digital checking account for students that comes with unlimited check deposits to your bank plus free in-app balance alerts which is available on both iOS and Android devices; moreover, they support Apple Pay so you can access the app from your iPhone or iPad more efficiently than ever before!


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

Curve is a free mobile banking app that simplifies your life by consolidating all of your credit, debit, and rewards cards into one convenient location. Curve also categorizes payments for you automatically to make it easier to understand where the money goes while offering cash back on select purchases. It is an app that has been specifically designed to help users consolidate all of their cards and bank accounts in one place, as well as offering cashback on purchases. You can easily contact them via phone or chat with their support team if any questions come up about how they work!

You're never too young to be responsible with your personal finance

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

Revolut, a London-based fintech that's been around since 2015 but really hit their stride this year after attracting over half a million customers who enjoy its swift banking services. With Revolut you get instant transfers between countries at no cost and zero ATM withdrawal fee making it an excellent choice for international students looking to save money abroad. Best of all? You don't have to be based in Europe to open an account.


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

Monese Classic card is a great option for students who are looking to have access to the best of both worlds. Best known as an e-money account, it also offers ATM withdrawals and point-of-sale payments - all from the same device! This bank provides its users with instant notifications on transactions (including international ones) which comes in handy when managing your spending habits. They offer inexpensive rates at only €0.15 per transaction, making this a convenient way to manage money abroad too. Another perk? You can have up to three different cards, allowing you easy control over how much each person spends at all time.


Wrapping Up

Hope this article was helpful and you've found your perfect match! If you have any questions, comment below and we will get back to you as soon as possible. Did we miss any good mobile banks for students in Europe? Let us know so that we can update the article with your suggestions.

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