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

Best Online Neobanks

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

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VaultCue is free to use and partner-funded. When you open an account through some of the links on this page we may earn a commission. This never changes our editorial scores or rankings, which follow our published methodology. Always confirm current fees, rates, and eligibility on the provider's website before applying.

Revolut

Best all-rounder

Monthly: Free
FX fee: 0.50%
Savings: 1.74%

36 currencies Visa & Mastercard Safeguarded (FCA); DGS up to 100,000 EUR via Revolut Bank in the EEA protected E-money (safeguarded) Savings Multi-currency

Revolut packs the widest range of money features into one app. It is the default pick for travellers and anyone who wants spending, saving and investing under one login.

Huge feature set: FX, savings vaults, stocks, crypto and budgeting
Weekday interbank FX up to a generous monthly limit
Polished app with instant spend notifications

Rates as of Jun 2026

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Starling Bank

Best for business banking

Monthly: Free
FX fee: 0%
Savings: 3.25%

3 currencies Mastercard FSCS up to 85,000 GBP protected Licensed bank Savings Business

Starling is the most complete UK bank account on this list: free abroad, FSCS protected, and with a business account that punches far above its price.

FSCS-protected UK bank with no fees abroad at all
Genuinely strong free business account
Interest paid on the current-account balance

Rates as of Jun 2026

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N26

Best for the eurozone

Monthly: Free
FX fee: 0%
Savings: 2.74%

1 currency Mastercard German deposit guarantee (EdB) up to 100,000 EUR protected Licensed bank Savings Business

N26 pairs a real German banking licence with a clean app, making it the safest-feeling everyday account for people who live and earn in euros.

Full German banking licence with 100,000 EUR deposit protection
No card FX fee at the Mastercard rate
Instant savings paying interest from the first euro

Rates as of Jun 2026

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Monzo

Best for budgeting

Monthly: Free
FX fee: 0%
Savings: 3.50%

1 currency Mastercard FSCS up to 85,000 GBP protected Licensed bank Savings Joint accounts

Monzo turned budgeting into the headline feature of a current account. For UK users who want to see and shape their spending, nothing else comes close on usability.

FSCS-protected UK bank with award-winning budgeting tools
Spending categories, Pots and salary sorting built in
No card fee abroad at the Mastercard exchange rate

Rates as of Jun 2026

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bunq

Best for savings interest

Monthly: EUR 3.99
FX fee: 0%
Savings: 2.46%

16 currencies Mastercard Dutch deposit guarantee (DGS) up to 100,000 EUR protected Licensed bank Savings Multi-currency

bunq blends a real banking licence with multi-currency holding and some of the best in-app interest in Europe. The monthly fee is the trade-off for that protection and yield.

Dutch banking licence with 100,000 EUR deposit protection
Competitive interest paid across multiple currencies
Up to 25 sub-accounts and shared spaces

Rates as of Jun 2026

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Wise

Best for multi-currency and FX

Monthly: Free
FX fee: 0.43%
Savings: 3.39%

40 currencies Mastercard Safeguarded (FCA-authorised e-money) protected E-money (safeguarded) Savings Multi-currency

Wise is the benchmark for cross-border money: the lowest published FX markup we track and genuine local account details make it the account to hold foreign currency in.

Mid-market exchange rate with a transparent, low FX fee
Real local account details in 9+ currencies
Holds and converts 40+ currencies in one balance

Rates as of Jun 2026

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