Top8DigitalBanks

Top 8 Online Banks

Updated on Aug 2025

Compare the best online banks. Save on fees, earn more, and open an account in minutes.

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1
  • Regulated by the PRA & BaFin
  • Full European banking licence
  • Support Google Pay & Apple Pay
  • Travel insurance with Premium accounts
  • No Currency exchange fees
98 Score

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Unlimited free trades, 4000+ stocks & ETFs
N26 Smart Account

N26 Smart Account | A Taste

Available On: Android Apple

Highlights

  • Free Standard account
  • Free payments in any currency
  • Free Contactless N26 Mastercard
  • Free additional N26 Maestro card
  • Free ATM withdrawals worldwide

Top Features

  • Basic - Free
  • N26 SMART - €4.90
  • N26 You - €9.90
  • Metal - €16.90
x

Available On

Android Apple
98 Score

Regulation

A Taste

Highlights

  • Free Standard account
  • Free payments in any currency
  • Free Contactless N26 Mastercard
  • Free additional N26 Maestro card
  • Free ATM withdrawals worldwide

Top Features

  • Basic - Free
  • N26 SMART - €4.90
  • N26 You - €9.90
  • Metal - €16.90
2
  • Fully licensed bank that integrates traditional finance and Bitcoin.
  • Earn up to 3.9% interest on USD Savings in BTC
  • Spend globally with a debit card that gives up to 1% cashback in BTC
96 Score

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$1,000 annual membership fee
Xapo bank

Xapo bank | A Taste

Available On: Android Apple

Highlights

  • Fully licensed bank that integrates traditional finance and Bitcoin.
  • Earn up to 3.9% interest on USD Savings in BTC
  • Spend globally with a debit card that gives up to 1% cashback in BTC

Top Features

  • $1000 USD annually
  • 3.9% APY on USD deposit
x

Available On

Android Apple
96 Score

Regulation

A Taste

Highlights

  • Fully licensed bank that integrates traditional finance and Bitcoin.
  • Earn up to 3.9% interest on USD Savings in BTC
  • Spend globally with a debit card that gives up to 1% cashback in BTC

Top Features

  • $1000 USD annually
  • 3.9% APY on USD deposit
3
  • Up to £200 fee free ATM withdrawals globally.
  • Earn up to 8?shback.
  • Spend cash, stablecoins, and crypto anywhere
92 Score

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0% foreign exchange fees globally
Wirex Premium Account

Wirex Premium Account | A Taste

Available On: Android Apple

Highlights

  • Up to £200 fee free ATM withdrawals globally.
  • Earn up to 8% Cashback.
  • Spend cash, stablecoins, and crypto anywhere

Top Features

  • Standard - £0/month
  • Premium - £9.99/month
  • Elite - £29.99/month
  • X-accounts
  • Crypto & Traditional currency account
x

Available On

Android Apple
92 Score

Regulation

A Taste

Highlights

  • Up to £200 fee free ATM withdrawals globally.
  • Earn up to 8% Cashback.
  • Spend cash, stablecoins, and crypto anywhere

Top Features

  • Standard - £0/month
  • Premium - £9.99/month
  • Elite - £29.99/month
  • X-accounts
  • Crypto & Traditional currency account
4
  • Support team 24/7. Priority for Paid plans.
  • ATM withdrawals with no additional commissions
  • Personalisation fees may apply.
  • Currency exchange in 35+ currencies with no additional fees Mon-Fri, within your plan allowance. T&C apply.
89 Score

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Personalized cards on premium plans
Revolut Plus Account

Revolut Plus Account | A Taste

Available On: Android Apple

Highlights

  • Personalisation fees may apply.
  • Currency exchange in 35+ currencies with no additional fees Mon-Fri, within your plan allowance. T&C apply.
  • No fees within plan limits. T&C apply. Third party providers may charge fees.

Top Features

  • Standard: €0/month
  • Plus: €3.99/month
  • Premium: €8.99/month
  • Metal: €15.99/month
x

Available On

Android Apple
89 Score

Regulation

A Taste

Highlights

  • Personalisation fees may apply.
  • Currency exchange in 35+ currencies with no additional fees Mon-Fri, within your plan allowance. T&C apply.
  • No fees within plan limits. T&C apply. Third party providers may charge fees.

Top Features

  • Standard: €0/month
  • Plus: €3.99/month
  • Premium: €8.99/month
  • Metal: €15.99/month
5
  • Earn up to 2 percent cash-back on eligible payments on credit cards.
  • 2.01% Interest rate.
  • 30-day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
86 Score

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30-day free trial on any plan
Bunq 'Core' Account

Bunq 'Core' Account | A Taste

Available On: Android Apple

Highlights

  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m

Top Features

  • Earn up to 2 percent cash-back on eligible payments on credit cards.
  • 2.01% Interest rate.
  • 30-day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
x

Available On

Android Apple
86 Score

Regulation

A Taste

Highlights

  • bunq Free - Free
  • bunq Core - 3.99 €/m
  • bunq Pro - 9.99 €/m
  • bunq Elite - 18.99 €/m

Top Features

  • Earn up to 2 percent cash-back on eligible payments on credit cards.
  • 2.01% Interest rate.
  • 30-day free trial on any plan.
  • Sub-accounts for easy budgeting
  • Up to 6 monthly Free global ATM withdrawals.
6
  • Local IBAN, Physical & Virtual card
  • Advanced Bookkeeping and Accounting Tools
  • Upload receipts with camera and attach it to the transaction
  • Automatic VAT detection tool
82 Score

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qonto

qonto | A Taste

Available On: Android Apple

Highlights

  • All in 1 Business account
  • 30 Days free trial
  • Basic - From €9/month

Top Features

  • Local IBAN, Physical & Virtual card
  • Advanced Bookkeeping and Accounting Tools
  • Upload receipts with camera and attach it to the transaction
  • Automatic VAT detection tool
x

Available On

Android Apple
82 Score

Regulation

A Taste

Highlights

  • All in 1 Business account
  • 30 Days free trial
  • Basic - From €9/month

Top Features

  • Local IBAN, Physical & Virtual card
  • Advanced Bookkeeping and Accounting Tools
  • Upload receipts with camera and attach it to the transaction
  • Automatic VAT detection tool
7
  • Instant spend notifications.
  • Use 'Pots' to separate your money however you like.
  • Earn 3.00?R (variable) paid monthly with an Instant Access Savings Pot.
79 Score

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Monzo Debit Mastercard

Monzo Debit Mastercard | FCA

Available On: Android Apple

Highlights

  • UK customers Only
  • Put your salary into Monzo and get the cash a day before
  • Money management tools in-app
  • Set budget for your spendings

Top Features

  • Earn up to 1.3% interest on your savings. T&C applied
  • Pay direct debits
  • Loans up to £15,000
x

Available On

Android Apple
79 Score

Regulation

FCA

Highlights

  • UK customers Only
  • Put your salary into Monzo and get the cash a day before
  • Money management tools in-app
  • Set budget for your spendings

Top Features

  • Earn up to 1.3% interest on your savings. T&C applied
  • Pay direct debits
  • Loans up to £15,000
8
  • Speed: 0-72 hours
  • Fees: Medium
  • Send via: Credit/Debit Card, Bank Account
  • Receive via: Bank Account
77 Score

More Details+

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Wise

Wise | A Taste

Available On: Android Apple

Highlights

  • ID documents required in order to transfer
  • Easy-to-use secure app
  • Good for transactions up-to $/£/€1,000
  • Hold 40+ currencies in your account

Top Features

  • Speed: 0-72 hours
  • Fees: Medium
  • Send via: Credit/Debit Card, Bank Account
  • Receive via: Bank Account
x

Available On

Android Apple
77 Score

Regulation

A Taste

Highlights

  • ID documents required in order to transfer
  • Easy-to-use secure app
  • Good for transactions up-to $/£/€1,000
  • Hold 40+ currencies in your account

Top Features

  • Speed: 0-72 hours
  • Fees: Medium
  • Send via: Credit/Debit Card, Bank Account
  • Receive via: Bank Account

The Advantages of Neobanks

  • Always Available

    Always Available

    Now you can Fully manage your bank account on-the-go using the app or desktop site

  • Financial Control

    Financial Control

    Control your money with unique budgeting tools and real-time actions notifications

  • Safe & Secure

    Safe & Secure

    These services uses the highest level of security standards, regulations and funds protection, so your money will be safe

Stay On The Safe Side & Make Smarter Decision

Stay On The Safe Side & Make Smarter Decision

All of the services presented in our website are regulated and licenced.

Top8neobanks' team of fintec experts took an in depth reviews and examinations of these services and thier products in order to give you, the customer, as much added value as possible and allowing you to make smarter and safer decision before upgrading your financial life and opening your first digital bank account with one of the many services available in the market.

If you find anything incorrect with the data presented both on our site and/or the services, please feel free to contact us via email, and we will do our best to correct it and inform others.

Thank you for choosing our service and we hope you will be satisfied from choosing to be part of the revolution of banking re-defind.

Top8DigitalBanks

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