Digital Banks Comparison

This digital bank comparison is designed to bring more clarity when you decide to open a digital-only bank account. You can compare digital banks side by side across 10 main categories, saving you tens of hours of research.

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Methodology:

Data collected based on BrokerChooser's structured digital bank review methodology, a work of 8 people. The digital banks compared don't know they are being reviewed. Digital banks are featured independently of any compensation they might give to BrokerChooser.

Lowest fees
Revolut
Best for affluents
Starling
Most user friendly
Monzo
Easiest setup
Monese
Most currencies
Transferwise
Most unique service
Curve
Most diligent
N26
Best for savings
Chime
Most socially conscious
Aspiration
Basic info
Country of origin
Countries available in
Account currencies
Currencies to hold in app
Top-up currencies
Age limit
Standard account fees
Fee score
Account opening fee
Monthly fee
Cost of card delivery
ATM fees
International transfer fee
Transfer fees, same currency
Currency exchange fee
Card top-up fee
Premium account fees
Monthly fee
ATM fees
Currency exchange fee
Exchange rates
Foreign transfer rate
ATM exchange rate
Cards
Card brand
Banking features
Features score
Overview of spending
Budgeting tools
Request/send money, split bill
Smart savings
Separate saving accounts
Interest paid on savings
Direct debit
Overdraft
Joint account
Apple Pay
Google Pay
3D Secure online payments
Additional features
Browser login
Premium
Personal loans
Phone insurance
Travel insurance
Disposable virtual cards
Cryptocurrency trading
Top-up methods
Top-up score
Bank transfer
Card
Cheques
Cash
Customer service
Customer service score
24/7 availability
Phone
Chat
Background
Founded in
License
Banking license date
Bank holding the money
Deposit guarantee
Trustpilot rating
Time to open an account
4.7
Recommended for people looking for low fees and many added features
UK
34
28
35
15
18
5.0 stars
€0
€0
€5.99
€200/£200 /month free
2% after
Free
(exc. SWIFT)
Free
0.5-2.0% on weekends
€1,000/£1,000 /month free, 0.5% above that
€0
Premium - €7.99/£6.99
Metal - €13.99/£12.99
Premium: €400/£400 free
Metal: €600/£600 free
2% after
0.5-2.0% on weekends
unlimited amount
Real
Real
Mastercard or Visa
5.0 stars
Yes
Yes
Yes
Yes
Yes
No
Yes
No
No
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
5.0 stars
Yes
Yes
No
No
4.0 stars
Yes
Automated, only for blocking card
In app, connected in 3 hours
2015
E-money, banking
Dec 2018
Barclays, Lloyds
None
4.6
3 min
4.6
Recommended for frequent travelers and everyday banking
UK
1
2
2
2
16
5.0 stars
€0
€0
€0
Free, £300/day limit
0.4% fee when converting between EUR and GBP, plus £5.5 delivery fee
Free
MasterCard exchange rate plus the fees charged at international transfer
€0
-
-
-
Real
Mastercard
Mastercard
5.0 stars
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
No
No
No
5.0 stars
Yes
Yes
Yes
Yes
4.0 stars
Yes
5-10 min wait time, system hung up 3 times out of 5 (even after waiting 8 minutes already) as there were no available agents
On web, 5-15 min wait time, helpful but couldn't do everything via chat
2014
Banking
Jul 2016
-
£85,000
4.5
in minutes
4.5
Recommended for everyday banking with a seamless app
UK
1
1
1
1
16
4.0 stars
€0
€0
€0
Free in the UK
£200/month free abroad
3% after
€0.5-3.0
(via Transferwise)
Free
0.35-2.00%
(via Transferwise)
€0
-
-
-
Real
(via Transferwise)
Mastercard
Mastercard
5.0 stars
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
No
No
No
No
4.0 stars
Yes
No
Yes
Yes
5.0 stars
Yes
Connected immediately
In app, option for urgent or non-urgent query, connected in 5 hours for a non-urgent query
2015
Banking
Apr 2017
-
£85,000
4.4
in minutes
4.1
Recommended for basic banking needs with easy setup and smooth app
UK
31
2
2
2
18
4.0 stars
€0
€0
€0
€200/£200 free, 2% after
Free
Free
2%, with €2/£2 minimum charge
€0
Classic - €4.95/£4.95
Premium - €14.95/£14.95
Classic: €800/£800 free, 2% after
Premium: Free
Classic: 0.5%, minimum €2/£2
Premium: Free
Real
Mastercard
Mastercard
4.0 stars
Yes
Yes
Yes
No
Yes
No
Yes
No
No
Yes
Yes
Yes
No
Yes
No
No
No
No
No
4.0 stars
Yes
Yes
No
Yes
3.0 stars
No
20 min wait time
In app, after robochat could not answer question, wait for personalized reply was between 8 hrs and several days
2013
E-money
Jul 2014
Prepay Technologies Ltd, PPS EU SA
None
4.3
few minutes
4.1
Recommended for people who want to handle many currencies
UK
144
5
44
18
18
4.0 stars
€0
€0
€0
£200/month free, 2% after
plus currency exchange fee (0.35-2.00%) for foreign currencies
€0.5-2.0
Flat fee, e.g. €0.63, £0.65
0.35-2.00%
0-0.2%
-
-
-
Real
Real
Mastercard
3.0 stars
No
No
No
No
No
No
No
No
No
Yes
Yes
Yes
Yes
No
No
No
No
No
No
5.0 stars
Yes
Yes
No
No
5.0 stars
No
Connected immediately
On web, connected immediately
2011
E-money
-
Barclays
None
4.6
few minutes
4.0
Recommended for handling all your different card transactions with one card
UK
31
26
26
-
18
4.0 stars
€0
€0
€0
Domestic ATM withdrawals:
- 10 free/month, €/£0.50 after
Foreign ATM withdrawals:
- €/£200 free, £2 or 2% after
-
-
€/£500 spending free, 2% after
+0.5-1.5% weekend surcharge
-
Black - €/£9.99
Metal - £14.99 or £150/year (UK only)
Black: €/£400 free, max. 2% or £2 after
Metal: €/£600 free, max. 2% or £2 after
Black: €/£15,000 per year free, 2% after
Metal: £60,000 per year free, 2% after
-
Real
Mastercard
5.0 stars
Yes
No
No
No
No
No
No
No
No
No
No
No
No
Yes
No
Yes
Yes
No
No
-
-
-
-
-
3.0 stars
No
For emergencies only, to lock card
In app/email, got thorough answer within a few hours
2015
E-money
-
-
None
4.5
few minutes
4.0
Recommended for people looking for a bank account in a Euro country
Germany
21
1
1
1
18
4.0 stars
€0
€0
€0
Free in own currency, depending on card type and residency, 1.7% in other currency
€0.5-3.0
(via Transferwise)
Free
0.35-2.00%
(via Transferwise)
€0
You - €9.90
Metal - €16.90
Free
0.35-2.00%
(via Transferwise)
Real
(via Transferwise)
Mastercard
Mastercard
4.0 stars
Yes
No
Yes
No
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
3.0 stars
Yes
No
No
Yes
3.0 stars
No
No phone support
On web, connected in 50 minutes
2013
Banking
Jul 2016
-
€100,000
4.0
8 min
3.9
Recommended for free checking and savings for US residents
US
1
1
1
1
18
4.5 stars
€0
€0
€0
Free within network, otherwise $2.50 per transaction
-
0
0
0
-
-
-
-
Visa
Visa
4.0 stars
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes
No
Yes
No
No
No
No
No
No
3.0 stars
Yes
No
No
Yes
3.0 stars
No
Connected within a few minutes after going through automated menu, answers were mostly useful
Chatbot only
2013
-
-
Stride Bank, The Bancorp Bank
$250,000
4.5
few minutes
3.8
Recommended for residents in US looking for a socially conscious bank
US
1
1
1
1
18
4.0 stars
€0
€0
€0
Free within network
$19.50
0
0
0
$7/month or $69/year
Free within network + 1 out-of-network fee reimbursed
-
-
Mastercard
Mastercard
4.0 stars
No
No
No
No
Yes
No
No
No
Yes
Yes
Yes
No
Yes
Yes
No
Yes
No
No
No
3.0 stars
Yes
No
Yes
No
4.0 stars
No
Connected almost immediately
-
2013
Brokerage
Nov 2018
Partner banks
up to $2.46 million
4.1
3-4 days

We created this page to help you compare digital banks in different aspects using a single page. The order of the banks in our digital bank comparison table is based on the overall score. The overall score is calculated by using a set methodology with more than 50 criteria. The order of the digital banks is not influenced by any commercial relationship.

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