Top Bank Accounts for Personal Banking

Reviews & comparisons of Europe's best digital banks

Updated: 02.03.24


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

General Information

  • Deposit ProtectionN/A
  • Customer SupportChat, E-mail
  • CurrenciesGBP or EUR

Bank Accounts

  • Individuals Free plan available
  • Businessesno
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStar half-fullStar emptyStar empty

General Information

  • Deposit ProtectionUp to £85'000
  • Customer SupportChat, email
  • Currencies30+ currencies

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStarStar half-full
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportChat, email
  • CurrenciesEUR, USD, GBP + 12

Bank Accounts

  • Individuals Free plan available
  • Businesses Starting at €6.99
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStarStar half-full
  • Value for MoneyStarStarStarStarStarStarStarStarStarStar half-full
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportPhone, chat, email
  • CurrenciesEUR

Bank Accounts

  • Individuals Starting at €3.0
  • Businessesno
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStarStar half-full
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

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.

Business banking on mobile.

General Information

  • Deposit ProtectionN/A
  • Customer SupportPhone, chat, email
  • Currencies54 currencies

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar emptyStar empty

General Information

  • Deposit ProtectionUp to £85'000
  • Customer Support15 languages
  • CurrenciesGBP, EUR, RON

Bank Accounts

  • Individuals Free plan available
  • Businesses Starting at €9.95
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Features AvailableStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStarStar half-fullStar empty

General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportPhone, email, chat
  • CurrenciesEUR

Bank Accounts

  • Individuals Free plan available
  • Businesses Starting at €None
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Overall RatingStarStarStarStarStarStarStarStar emptyStar emptyStar empty

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General Information

  • Deposit ProtectionUp to €100'000
  • Customer SupportChat, email
  • CurrenciesEUR

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStar half-fullStar emptyStar empty

General Information

  • Deposit ProtectionUp to £85'000
  • Customer SupportPhone, email
  • CurrenciesGBP

Bank Accounts

  • Individuals Free plan available
  • Businesses Free plan available
  • Jointyes
  • Convenience & User-friendlinessStarStarStarStarStarStarStarStarStar half-fullStar empty
  • Customer SupportStarStarStarStarStarStarStar emptyStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStarStar half-fullStar emptyStar empty

General Information

  • Deposit ProtectionN/A
  • Customer SupportChat, email
  • CurrenciesEUR

Bank Accounts

  • Individuals Starting at €None
  • Businesses Starting at €None
  • Jointno
  • Convenience & User-friendlinessStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Customer SupportStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty
  • Features AvailableStarStarStarStarStarStarStarStar half-fullStar emptyStar empty
  • Value for MoneyStarStarStarStarStarStarStarStar emptyStar emptyStar empty
  • Overall RatingStarStarStarStarStarStarStar half-fullStar emptyStar emptyStar empty

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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