Digital Bank 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 that saves you tens of hours of research.

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Due to the complexity of this digital bank comparison tool, it is best viewed on devices with larger screen size. If you are using a mobile device, please use landscape mode for the best experience.

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.

Revolut
Lowest fees
Monzo
Most user friendly
Starling
Best for affluents
Transferwise
Most currencies
N26
Most diligent
Basic data of bank
Country of Origin
Countries available in
Account currencies
Currencies to hold in app
Currencies to top up
Minimum age
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
Desktop online 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 up account
5 stars
Recommended for low fees with many added features
UK
33
4
24
15
18
5 stars
€0
€0
€5.99
Free €200/£200 /month
2% after
Free
(exc. SWIFT)
Free
0.5-2% on weekends
€6,000/£5,000 /month free, addtional 0.5% after
€0
Premium - €7.99/£6.99
Metal - €13.99/£12.99
Premium: €400/£400 free
Metal: €600/£600 free
2% after
0.5-2% on weekends
unlimited amount
Real
Real
Mastercard or Visa
5 stars
Yes
Yes
Yes
Yes
Yes
No
Yes
No
No
No
Yes
No
No
Yes
Yes
Yes
Yes
Yes
Yes
5 stars
Yes
Yes
No
No
4 stars
Yes
Automated, only for blocking card
In app, connected in 3 hours
2015
E-money, banking
Dec 2018
Barclays, LLoyds
None
-
3 min
5 stars
Recommended for everyday banking with a seamless app
UK
1
1
1
1
16
4 stars
€0
€0
€0
Free in the UK
£200/month free abroad
3% after
€0.5-3
(via Transferwise)
Free
0.35-2%
(via Transferwise)
€0
-
-
-
Real
(via Transferwise)
Mastercard
Mastercard
5 stars
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
No
No
No
No
4 stars
Yes
No
Yes
Yes
5 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
-
in minutes
4 stars
Recommended for frequent travellers and everyday banking
UK
1
1
1
1
16
5 stars
€0
€0
€0
Free
£0.30-5.50
Free
0.40%
€0
-
-
-
Real
Mastercard
Mastercard
4 stars
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
No
Yes
No
Yes
No
No
4 stars
Yes
Yes
Yes
Yes
4 stars
Yes
5-10min wait time, system hung up 3/5 times (even if waited for 8 minutes already) as there were no available agents
On web, 5-15min wait time, helpful but couldn't do everything via chat
2014
Banking
Jul 2016
-
£85,000
-
3 min
4 stars
Recommended for people wanting a lot of currencies
UK
144
5
44
18
18
4 stars
€0
€0
€0
Free £200/month, 2% after
plus currency exchange fee (0.35-2%) for foreign currencies
€0.5-2
Flat fee, e.g. €0.63, £0.65
0.35-2%
0-0.2%
-
-
-
Real
Real
Mastercard
3 stars
No
No
No
No
No
No
No
No
No
No
No
Yes
Yes
No
No
No
No
No
No
5 stars
Yes
Yes
No
No
5 stars
No
Connected immediately
On web, connected immediately
2011
E-money
-
Barclays
None
-
few minutes
4 stars
Recommended for people looking for a bank account in a Euro country
Germany
22
2
2
2
18
4 stars
€0
€0
€0
Free in same currency, depends on card type and residency,
1.7% abroad
€0.5-3
(via Transferwise)
Free
0.35-2%
(via Transferwise)
€0
Black - €9.90/£4.90
Metal - €16.90/£14.90
Free
0.35-2%
(via Transferwise)
Real
(via Transferwise)
Mastercard
Mastercard
4 stars
Yes
No
Yes
No
Yes
Yes
Yes
Yes
No
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No
No
3 stars
Yes
No
No
Yes
3 stars
No
No phone support
On web, connected in 50 minutes
2013
Banking
Jul 2016
-
€100,000
-
8 min

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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