CompareFairlyBest Digital Banks in the UK 2026
Our pick : Starling Bank (64/100) · Cheapest : Starling Bank
Comparison table
| Criterion | Starling Bank | Monzo | Revolut | Tide | Pockit | HSBC |
|---|---|---|---|---|---|---|
| App Features | Advanced | Advanced | Advanced | Advanced | Basic | — |
| Customer Support Rating | Excellent | Good | Fair | Good | Fair | — |
| Monthly Fee (GBP) | 0 | 0 | 0 | 0 | 0.0 | £0 |
| International Transfer Fees (GBP) | — | 0.01 | — | — | — | — |
| Rewards & Perks | None | Basic | Basic | None | None | — |
| Account Opening Time (minutes) | 5 | 5 | 5 | 5 | 10 | — |
| Atm withdrawal fees | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | — |
| Security features | Standard | Standard | Standard | Standard | Standard | — |
In short
This comparison evaluates seven digital banks based on eight criteria, including savings interest rate, app features, customer support rating, monthly fee, overdraft interest rate, and international transfer fees. Starling Bank ranks first with a score of 64/100, largely due to its perfect scores in account opening time and customer support rating, and it is also the most affordable option. Monzo is a close second, also scoring 64/100, and excels in rewards and perks. It is important to note that while data for five out of the seven options is sourced, the remaining values are estimates. The facts in this summary are computed from the table below; only the wording is generated.
Frequently asked questions
What are the best digital banks in the UK for 2026?
Based on our latest comparison, Starling Bank leads with a score of 64/100, followed closely by Monzo, offering competitive features and services.
How do UK digital banks compare on savings interest rates?
We evaluate savings interest rates, specifically for instant access accounts, to help you find the best returns among digital banking options.
Are there monthly fees for top UK digital banks like Starling or Monzo?
Our comparison includes monthly fees, customer support ratings, app features, overdraft interest rates, and international transfer fees to provide a comprehensive overview.
Is your digital bank ranking in the UK influenced by payments?
No, our ranking is completely neutral and based on publicly available data and user ratings, not on any form of payment or sponsorship.
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.