Revolut
The global super-app. Best for multi-currency, travel, and stock/crypto trading in one place.
Top Digital Banks 2026
The best UK neobanks for daily spending, travel, and smart budgeting. No legacy nonsense.
Why Switch to a Neobank?
It's More Than Just an App
Legacy banks are stuck in the 90s. Digital banks (neobanks) give you real-time notifications, instant spending analytics, and "pots" or "vaults" to help you save. Most have zero fees for spending abroad, making them essential for travel.
Are they safe? Yes. Most (like Starling and Monzo) are fully licensed UK banks, meaning your money is protected up to £85k by the FSCS. Some (like Revolut) are E-Money Institutions, which means they safeguard your money in separate accounts but aren't FSCS protected.
Security & Protection
Always check if your provider has a full UK banking license. If they don't, your money is safeguarded but not FSCS protected. Both are "safe," but FSCS is the gold standard for peace of mind.
Best Digital Banks
Compare AllStarling Bank
The best all-rounder. Full banking license, great personal and joint accounts, and zero fees abroad.
Monzo
The OG of UK neobanks. Best interface, community, and budgeting features (Pots).
Chase UK
The rewards king. 1% cashback on spending and high interest rates on savings.
Kroo
High interest on your current account balance. Simple, ethical, and effective.