Top Bank Accounts for Personal Banking

Reviews & comparisons of Europe's best digital banks

Updated: Jan 31st, '23


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

  • Free plan available ✔️
  • Joint accounts
  • Business accounts ✔️
  • Total users 10'000'000+
  • Official Website wise.com
  • Free plan available ✔️
  • Joint accounts ✔️
  • Business accounts ✔️
  • Total users 2'000'000+
  • Official Website monese.com
  • Free plan available ✔️
  • Joint accounts ✔️
  • Business accounts ✔️
  • Sign-up bonus 30 days free trial
  • Official Website bunq.com
  • 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.

Business banking on mobile.
  • Free plan available ✔️
  • Joint accounts
  • Business accounts ✔️
  • Sign-up bonus Save 20% paying annually
  • Official Website revolut.com
  • Monthly cost Starting from €3.00
  • Joint accounts ✔️
  • Business accounts
  • Total users 90'000+
  • Official Website tomorrow.one
  • Free plan available ✔️
  • Joint accounts
  • Business accounts
  • Total users 1'500'000+
  • Official Website openbank.com

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Nurture your financial health.
  • Free plan available ✔️
  • Joint accounts ✔️
  • Business accounts ✔️
  • Total users > 8'000'000
  • Official Website n26.com
  • Free plan available ✔️
  • Joint accounts ✔️
  • Business accounts ✔️
  • Total users > 6'000'000
  • Official Website monzo.com
  • 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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