Risk warning: Fees, FX margins, and savings rates change often and vary by country and plan tier. Always confirm the current terms and deposit-protection details on the provider's website. This page is general information, not financial advice.

Neobank rankings

Neobank Account Comparison

Compare neobanks on monthly fees, FX margins, ATM access, and multi-currency features to narrow your shortlist.

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ZEN

Best for cross-border shoppers

Monthly: Free
FX fee: 0%
Savings: —

32 currencies Mastercard Safeguarded (Lithuanian EMI licence) protected E-money (safeguarded) Multi-currency Business

ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.

Purchase money-back rewards on card spending
Holds and converts 30+ currencies
Quick onboarding for shoppers and small businesses

Rates as of Jun 2026

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Tide Go

Best for sole traders

Monthly: Free
FX fee: 0.40%
Savings: —

2 currencies Mastercard Safeguarded (FCA-authorised e-money) protected E-money (safeguarded) Business

Tide Go is a quick-to-open business account aimed at UK sole traders.

Fast business onboarding
Invoicing and accounting links

Rates as of Jun 2026

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Tomorrow

Best for sustainable banking

Monthly: EUR 3
FX fee: 0%
Savings: —

1 currency Visa DGS up to 100,000 EUR via Solarisbank protected E-money (safeguarded) Savings Budgeting

Tomorrow is the pick for customers who want their balance financing climate projects rather than fossil lending, and who will pay a small monthly fee for that alignment.

Deposits steered toward sustainable lending projects
Round-up pockets and clear spending insights
EU deposit cover via its licensed partner bank

Rates as of Jun 2026

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Current

Best for teens and families

Monthly: Free
FX fee: 0%
Savings: 4%

1 currency Visa FDIC up to 250,000 USD via Choice Financial Group and Cross River Bank protected E-money (safeguarded) Savings Overdraft

Current is the US neobank for households: teen accounts with controls sit alongside boosted savings pods and early payday for the parents.

Teen accounts with parental controls and chores
Bonus savings pods paying boosted APY
Early payday and fee-free overdraft

Rates as of Jun 2026

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Monese

Best for newcomers without local credit history

Monthly: Free
FX fee: 2.50%
Savings: —

3 currencies Mastercard Safeguarded (FCA-authorised e-money) protected E-money (safeguarded) Multi-currency Business

Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, with multi-currency basics built in from day one.

Open an account without a UK credit history or proof of address
Holds GBP and EUR with local account details
Fast app-based onboarding for migrants and expats

Rates as of Jun 2026

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