Top Bank Accounts for Personal Banking
Reviews & comparisons of Europe's best digital banks
Updated: 13.07.25
In our curated list of the best bank accounts below, you'll find our top picks of Europe's top rated banks for personal banking. 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. Along with these, you can find the 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 seasoned digital finance experts. This list only includes financial financial institutions that undergo frequent audits, are fully licensed and are overseen by a regulatory authority. This way, you can be confident in your choice and rest easy, knowing your money is always safe and your personal data is stored securely.
Curated List: Best Digital Bank Accounts for Individuals
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.
2'000'000+
London, UK
General Information
- Deposit ProtectionN/A
- Customer SupportChat, E-mail
- CurrenciesGBP or EUR
Bank Accounts
- Individuals Free plan available
- Businesses
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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.
28'000'000+
London, UK
General Information
- Deposit ProtectionUp to £85'000
- Customer SupportChat, email
- Currencies30+ currencies
Bank Accounts
- Individuals Free plan available
- Businesses Free plan available
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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.
90'000+
Hamburg, DE
General Information
- Deposit ProtectionUp to €100'000
- Customer SupportPhone, chat, email
- CurrenciesEUR
Bank Accounts
- Individuals Starting at €3.0
- Businesses
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
bunq
bunq is a Dutch digital bank offering innovative features like multi-currency accounts, eco-friendly perks, and one of Europe’s highest savings interest rates. With a full banking license and deposit protection up to €100,000, bunq combines flexibility for travelers and expats with robust security and modern mobile banking apps.
17'000'000+
Amsterdam, NL
General Information
- Deposit ProtectionUp to €100'000
- Customer SupportChat, email
- CurrenciesEUR, USD, GBP + 19
Bank Accounts
- Individuals Free plan available
- Businesses Free plan available
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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.
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.
10'000'000+
London, UK
General Information
- Deposit ProtectionN/A
- Customer SupportPhone, chat, email
- Currencies54 currencies
Bank Accounts
- Individuals Free plan available
- Businesses Free plan available
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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.
2'000'000+
London, UK
General Information
- Deposit ProtectionUp to £85'000
- Customer Support15 languages
- CurrenciesGBP, EUR, RON
Bank Accounts
- Individuals Free plan available
- Businesses Starting at €9.95
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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.
1'500'000+
Madrid, ES
General Information
- Deposit ProtectionUp to €100'000
- Customer SupportPhone, email, chat
- CurrenciesEUR
Bank Accounts
- Individuals Free plan available
- Businesses Starting at €None
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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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.
8'000'000+
Berlin, DE
General Information
- Deposit ProtectionUp to €100'000
- Customer SupportChat, email
- CurrenciesEUR
Bank Accounts
- Individuals Free plan available
- Businesses Free plan available
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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.
6'000'000+
London, UK
General Information
- Deposit ProtectionUp to £85'000
- Customer SupportPhone, email
- CurrenciesGBP
Bank Accounts
- Individuals Free plan available
- Businesses Free plan available
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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.
Undisclosed
Tallinn, EE
General Information
- Deposit ProtectionN/A
- Customer SupportChat, email
- CurrenciesEUR
Bank Accounts
- Individuals Starting at €None
- Businesses Starting at €None
- Joint
- Convenience & User-friendliness
- Customer Support
- Features Available
- Value for Money
- Overall Rating
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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