CompareFairlyBest Digital Banks in the UK 2026
Our pick : Starling Bank (100/100) · Cheapest : Starling Bank
In short
This comparison evaluates five digital banks against ten criteria, including monthly fees, savings interest rates, ATM withdrawal fees, international transfer fees, FCA regulation, and app features. Starling Bank ranks first overall with a perfect score, largely due to its top ratings in app features and customer support, and it is also identified as the most affordable option. The data used for this comparison is sourced from 3 out of the 5 options, with the remaining values being estimates that are clearly marked. The facts in this summary are computed from the table below; only the wording is generated.
Comparison table
| Criterion | Starling Bank | Monzo | Revolut | Chase | Wise (formerly TransferWise) |
|---|---|---|---|---|---|
| Monthly Fees (GBP) | 0 | 0 | 0.0 | 0 GBP | 0.0 |
| Savings Interest Rate (AER) (%) | 4 | 3.35 | — | 3% | — |
| ATM Withdrawal Fees (UK) (GBP) | — | — | — | 0 GBP | — |
| International Transfer Fees (GBP) | 0 | 0 | 0 | — | 0.41 |
| FCA Regulated | ✓ | ✓ | ✓ | ✓ | ✓ |
| App Features | Advanced | Advanced | Advanced | Standard | Standard |
| Overdraft Facility Available | ✓ | ✓ | — | — | — |
| Security Measures | Advanced | Enhanced | Standard | Standard | Enhanced |
| Customer Support Rating | Excellent | Good | Average | Good | Average |
| Account Opening Time | Within minutes | Within minutes | Within minutes | — | Within days |
Frequently asked questions
What are the best digital banks in the UK for 2026?
Starling Bank is currently leading our comparison of digital banks in the UK with a perfect score, followed closely by Monzo. Our rankings are based on objective data and are not influenced by commercial partnerships.
How do UK digital banks compare on monthly fees and savings interest rates?
We analyze monthly fees and savings interest rates (AER) for all featured digital banks, providing a clear overview of cost and return for customers.
Are UK digital banks safe and regulated?
Yes, all the digital banks we compare are FCA regulated, ensuring they meet strict financial conduct and prudential standards for customer protection.
What are the best digital banks for international money transfers and ATM withdrawals in the UK?
Our comparison details international transfer fees and UK ATM withdrawal fees, helping you choose a digital bank that minimizes costs for these common transactions.
Methodology and transparency
Ranking: options are sorted on measured, sourced criteria. No position is ever sold, and no advertiser pays to appear here.
Scope: this comparison is not exhaustive. It presents the options our sources document, not every offer on the market.
Earnings: some outbound links may be affiliate links that earn us a commission. This never affects the ranking, the scores or the data.
Data: every value is linked to its source and refreshed automatically; the collection date is shown.