Top Bank Accounts for Personal Banking

Reviews & comparisons of Europe's best digital banks

Updated

Ranking of personal bank accounts

10 banks

  1. #1: 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.

    Price
    Free plan
    Open in
    28 EU/EEA + Switzerland, the UK +4
    Currencies
    180
    Joint accounts
    Yes
    Deposit protection
    Up to £85'000
    Founded
    2015
    All ratings for Revolut(4)
    • Ease of use9.5
    • Customer service7.5
    • Features8.5
    • Value for money8.8
    Read review: RevolutVisit revolut.com (Revolut, Referral link)

  2. #2: 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.

    Price
    Free plan
    Open in
    27 EU/EEA
    Joint accounts
    Yes
    Deposit protection
    Up to €100'000
    Founded
    2012
    All ratings for bunq(4)
    • Ease of use7.5
    • Customer service7.0
    • Features9.5
    • Value for money9.5
    Read review: bunqVisit bunq.com (bunq, Referral link)

  3. #3: 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.

    Price
    From €4.90/mo
    Open in
    19 EU/EEA
    Currencies
    1
    Joint accounts
    Yes
    Deposit protection
    Up to €100'000
    Founded
    2018
    All ratings for Tomorrow(4)
    • Ease of use9.8
    • Customer service7.6
    • Features7.7
    • Value for money8.1
    Read review: TomorrowVisit tomorrow.one (Tomorrow, Referral link)

  1. #4: 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.

    Price
    Free plan
    Open in
    19 EU/EEA + the UK
    Currencies
    3
    Joint accounts
    Yes
    Deposit protection
    Up to £85'000
    Founded
    2015
    All ratings for Monese(4)
    • Ease of use8.3
    • Customer service8.2
    • Features8.4
    • Value for money7.7
    Read review: MoneseVisit monese.com (Monese, Referral link)

  2. #5: 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.

    Price
    Free plan
    Open in
    29 EU/EEA + Switzerland, the UK
    Joint accounts
    No
    Deposit protection
    N/A
    Founded
    2010
    All ratings for Wise(4)
    • Ease of use7.6
    • Customer service8.1
    • Features7.9
    • Value for money8.6
    No review yetVisit wise.com (Wise, Referral link)

  3. #6: 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.

    Price
    Free plan
    Open in
    19 EU/EEA + Switzerland
    Currencies
    1
    Joint accounts
    Yes
    Deposit protection
    Up to €100'000
    Founded
    2013
    All ratings for N26(4)
    • Ease of use8.0
    • Customer service7.5
    • Features7.5
    • Value for money7.8
    No review yetVisit n26.com (N26, Referral link)

  4. #7: 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.

    Price
    Free plan
    Open in
    29 EU/EEA + the UK
    Currencies
    2
    Joint accounts
    No
    Deposit protection
    N/A
    Founded
    2015
    All ratings for Curve(4)
    • Ease of use7.6
    • Customer service7.6
    • Features7.9
    • Value for money7.5
    Read review: CurveVisit curve.com (Curve, Referral link)

  5. #8: 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.

    Price
    Free plan
    Open in
    the UK
    Currencies
    1
    Joint accounts
    Yes
    Deposit protection
    Up to £85'000
    Founded
    2015
    All ratings for Monzo(4)
    • Ease of use8.4
    • Customer service6.0
    • Features7.6
    • Value for money7.7
    No review yetVisit monzo.com (Monzo, Referral link)

  6. #9: 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.

    Price
    Free plan
    Open in
    4 EU/EEA
    Currencies
    1
    Joint accounts
    No
    Deposit protection
    Up to €100'000
    Founded
    1995
    All ratings for Openbank(4)
    • Ease of use7.6
    • Customer service6.1
    • Features6.2
    • Value for money8.3
    Read review: OpenbankVisit openbank.com (Openbank, Referral link)

  7. #10: 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.

    Price
    Free plan
    Open in
    8 EU/EEA
    Currencies
    1
    Joint accounts
    No
    Deposit protection
    N/A
    Founded
    1992
    All ratings for Bigbank(4)
    • Ease of use6.2
    • Customer service6.8
    • Features7.7
    • Value for money7.0
    No review yetVisit bigbank.eu (Bigbank, Referral link)

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Our Commitment To Quality Reviews

To ensure that the information in our articles is complete and accurate while keeping our assessments unbiased and ratings data-driven, we use the following methodology:

  • Rule #1: Hands-on Experience

    Each person contributing to a product review spends at least a week using that product, getting "hands-on" with all the features it offers and documenting their overall experience, unexpected benefits and any critique they might have.

  • Rule #2: Professional Expertise

    Our team composes of fintech professionals, working in neobanks, digital asset exchanges and payment-tech companies. With an average of 7 years in this field and more than 30 fintechs all over the world in our combined career history, we have a solid frame of reference.

  • Rule #3: Multiple Perspectives

    We strive to get at least 3 team members to review each product to eliminate personal bias and introduce a more critical approach. The final ratings are an average of all individual assessments, and the review is only published after a peer review.

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Curated List: Best Digital Bank Accounts for Individuals

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.

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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