Top Bank Accounts for Personal Banking
Reviews & comparisons of Europe's best digital banks
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.
Review our curated list of business bank accounts available for companies and self-employed workers and find out more about the terms provided by some of Europe's top digital banks. Compare the prices these banks offer and get detailed information on fees and costs by reading our in-depth reviews.
Curated List: Best Digital Bank Accounts for Individuals
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.

- Free plan available ✔️
- Joint accounts ❌
- Business accounts ✔️
- Total users 10'000'000+
- Official Website wise.com

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.

- Free plan available ✔️
- Joint accounts ✔️
- Business accounts ✔️
- Total users 2'000'000+
- Official Website monese.com
bunq
Dutch online bank that gives you the freedom to bank like a local all over Europe. The bank's mobile apps are packed with exciting and unique features, and the fully fledged banking license bunq has ensures your money are 100% safe at all times.

- Free plan available ✔️
- Joint accounts ✔️
- Business accounts ✔️
- Sign-up bonus 30 days free trial
- Official Website bunq.com
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.

- Free plan available ✔️
- Joint accounts ❌
- Business accounts ❌
- Total users 2'000'000+
- Official Website curve.com
Bank Accounts for Businesses
Time is money if you're a business owner, franchisee or a freelancer. Discover modern mobile-first bank accounts for companies of any scale and explore unique features and products built for digital-native business owners.

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.

- Free plan available ✔️
- Joint accounts ❌
- Business accounts ✔️
- Sign-up bonus Save 20% paying annually
- Official Website revolut.com
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.

- Monthly cost Starting from €3.00
- Joint accounts ✔️
- Business accounts ❌
- Total users 90'000+
- Official Website tomorrow.one
Bank Accounts for Business Banking: Comparisons
One-on-one comparisons of the best bank accounts for companies and entrepreneurs.

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.

- Free plan available ✔️
- Joint accounts ❌
- Business accounts ❌
- Total users 1'500'000+
- Official Website openbank.com
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N26
N26 is The Mobile Bank, extremely secure and operating with a full German banking license. Stylish cards, real-time payments, automatic expense categorization, all in a neat and very convenient mobile app.

- Free plan available ✔️
- Joint accounts ✔️
- Business accounts ✔️
- Total users > 8'000'000
- Official Website n26.com

Monzo
One of UK's biggest neobanks, Monzo offers bank both personal and business accounts to UK residents. With Monzo, you can say goodbye to hidden fees and long lines and enjoy managing your money on the go with instant notifications and worldwide card acceptance.

- Free plan available ✔️
- Joint accounts ✔️
- Business accounts ✔️
- Total users > 6'000'000
- Official Website monzo.com

Bigbank
International bank focusing on loans and leasing. Bigbank offers consumer loans, housing & car leasing at attractive rates internationally, as well as corporate loans in the Baltics. Smooth application process, quick decisions and fully-digital services.

- Individuals✔️
- Joint accounts ❌
- Business accounts ✔️
- Total users Undisclosed
- Official Website bigbank.eu
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. Fintech Compass 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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