{
  "canary": "1c1e12f92c38fa92",
  "category": {
    "blocked": false,
    "commerce": true,
    "criteria": [
      {
        "group": "Pricing",
        "key": "monthly_fees",
        "label": "Monthly Fees",
        "poids": 5,
        "primary": true,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Pricing",
        "key": "interest_rate_savings",
        "label": "Savings Interest Rate (AER)",
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "pourcentage",
        "unit": "%"
      },
      {
        "group": "Pricing",
        "key": "atm_withdrawal_fees",
        "label": "ATM Withdrawal Fees (UK)",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Pricing",
        "key": "international_transfer_fees",
        "label": "International Transfer Fees",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "prix",
        "unit": "GBP"
      },
      {
        "group": "Trust & Safety",
        "key": "fca_regulation",
        "label": "FCA Regulated",
        "poids": 5,
        "sens": "neutre",
        "type": "booleen"
      },
      {
        "group": "Features",
        "key": "app_features",
        "label": "App Features",
        "options": [
          "Basic",
          "Standard",
          "Advanced"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Features",
        "key": "overdraft_facility",
        "label": "Overdraft Facility Available",
        "poids": 2,
        "sens": "neutre",
        "type": "booleen"
      },
      {
        "group": "Service",
        "key": "security_measures",
        "label": "Security Measures",
        "options": [
          "Standard",
          "Enhanced",
          "Advanced"
        ],
        "poids": 4,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Service",
        "key": "customer_support_rating",
        "label": "Customer Support Rating",
        "options": [
          "Poor",
          "Average",
          "Good",
          "Excellent"
        ],
        "poids": 3,
        "sens": "plus_haut_mieux",
        "type": "enum"
      },
      {
        "group": "Service",
        "key": "account_opening_time",
        "label": "Account Opening Time",
        "poids": 3,
        "sens": "plus_bas_mieux",
        "type": "texte"
      }
    ],
    "faq": [
      {
        "a": "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.",
        "q": "What are the best digital banks in the UK for 2026?"
      },
      {
        "a": "We analyze monthly fees and savings interest rates (AER) for all featured digital banks, providing a clear overview of cost and return for customers.",
        "q": "How do UK digital banks compare on monthly fees and savings interest rates?"
      },
      {
        "a": "Yes, all the digital banks we compare are FCA regulated, ensuring they meet strict financial conduct and prudential standards for customer protection.",
        "q": "Are UK digital banks safe and regulated?"
      },
      {
        "a": "Our comparison details international transfer fees and UK ATM withdrawal fees, helping you choose a digital bank that minimizes costs for these common transactions.",
        "q": "What are the best digital banks for international money transfers and ATM withdrawals in the UK?"
      }
    ],
    "kind": "category",
    "model": "",
    "ms": 3226,
    "neutral": false,
    "path": [
      "finance",
      "banking",
      "digital-bank"
    ],
    "price_key": "monthly_fees",
    "profile_questions": [
      {
        "options": [
          "Everyday spending",
          "Savings & Investments",
          "International transfers",
          "Business banking"
        ],
        "q": "Primary use?"
      },
      {
        "options": [
          "Highest possible",
          "Moderate",
          "Not a priority"
        ],
        "q": "Interest rate preference?"
      }
    ],
    "subject": "service",
    "suggestions": [
      "Best current accounts UK",
      "Best savings accounts UK",
      "Compare UK challenger banks",
      "Online banking reviews UK"
    ],
    "synthese": [
      "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."
    ],
    "tier": "gold",
    "title": "Best Digital Banks in the UK",
    "unranked": false,
    "visual": "logo"
  },
  "country": "GB",
  "freshness": {
    "age_days": 11.2,
    "stale": false,
    "ttl_days": 14
  },
  "items": [
    {
      "badges": [
        "best_overall",
        "cheapest"
      ],
      "best_for": "Individuals looking for a feature-rich, free digital bank account with strong security and customer support.",
      "cons": [],
      "description": "Organise your money, build great habits and stay in control of your spending with this award-winning digital bank.",
      "link_url": "https://www.starlingbank.com/",
      "logo_dom": "starling.com",
      "logo_url": "https://unavatar.io/starling.com?fallback=false",
      "name": "Starling Bank",
      "pros": [
        "No monthly fees",
        "Fee-free spending abroad",
        "Industry-leading security features",
        "24/7 UK customer support"
      ],
      "provider": "Starling Bank",
      "provider_url": "https://www.starlingbank.com/",
      "score": 100.0,
      "source_url": "https://www.starlingbank.com/",
      "subscores": {
        "app_features": 100.0,
        "customer_support_rating": 100.0,
        "interest_rate_savings": 100.0,
        "international_transfer_fees": 100.0,
        "security_measures": 100.0
      },
      "values": {
        "account_opening_time": "Within minutes",
        "app_features": "Advanced",
        "atm_withdrawal_fees_(uk)": 0.0,
        "customer_support_rating": "Excellent",
        "fca_regulation": true,
        "interest_rate_savings": 4,
        "international_transfer_fees": 0,
        "monthly_fees": 0,
        "overdraft_facility": true,
        "overdraft_facility_available": true,
        "savings_interest_rate_(aer)": 3.25,
        "security_measures": "Advanced"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Users who want smart money management tools and fee-free international spending.",
      "cons": [],
      "description": "An app-only digital bank offering current accounts, joint accounts, and tools for smart spending and saving.",
      "link_url": "https://monzo.co.uk/",
      "logo_dom": "monzo.com",
      "logo_url": "https://unavatar.io/monzo.com?fallback=false",
      "name": "Monzo",
      "pros": [
        "Smart spending and saving tools",
        "Fee-free spending worldwide",
        "Full FSCS protection",
        "24/7 in-app customer support"
      ],
      "provider": "Monzo",
      "score": 80.0,
      "source_url": "https://wise.com/gb/blog/best-international-online-bank",
      "subscores": {
        "app_features": 100.0,
        "customer_support_rating": 67.0,
        "interest_rate_savings": 84.0,
        "international_transfer_fees": 100.0,
        "security_measures": 50.0
      },
      "values": {
        "account_opening_time": "Within minutes",
        "app_features": "Advanced",
        "atm_withdrawal_fees_(uk)": 0.0,
        "customer_support_rating": "Good",
        "fca_regulation": true,
        "interest_rate_savings": 3.35,
        "international_transfer_fees": 0,
        "monthly_fees": 0,
        "overdraft_facility": true,
        "overdraft_facility_available": true,
        "savings_interest_rate_(aer)": 4.0,
        "security_measures": "Enhanced"
      },
      "verified": true
    },
    {
      "badges": [],
      "best_for": "Individuals needing extensive international transfer and currency exchange capabilities.",
      "cons": [
        "Concerns about treatment of fraud victims",
        "Higher levels of authorised push payment (APP) fraud money"
      ],
      "description": "A fully licensed bank in the UK offering various current account tiers with international transfer and currency exchange features.",
      "link_url": "https://revolut.co.uk/",
      "logo_dom": "revolut.com",
      "logo_url": "https://unavatar.io/revolut.com?fallback=false",
      "name": "Revolut",
      "pros": [
        "International transfers and currency exchange",
        "Available in 48 countries",
        "Fee-free currency transfers in over 35 currencies"
      ],
      "provider": "Revolut",
      "review_summary": "Revolut came close to being a Recommended Provider, but concerns about its treatment of fraud victims and disproportionately higher levels of authorised push payment (APP) fraud money were noted.",
      "score": 44.0,
      "source_url": "https://wise.com/gb/blog/best-international-online-bank",
      "subscores": {
        "app_features": 100.0,
        "customer_support_rating": 33.0,
        "international_transfer_fees": 100.0,
        "security_measures": 0.0
      },
      "values": {
        "account_opening_time": "Within minutes",
        "app_features": "Advanced",
        "atm_withdrawal_fees_(uk)": 0.0,
        "customer_support_rating": "Average",
        "fca_regulation": true,
        "international_transfer_fees": 0,
        "monthly_fees": 0.0,
        "overdraft_facility_available": false,
        "savings_interest_rate_(aer)": 3.0,
        "security_measures": "Standard"
      },
      "verified": true
    },
    {
      "badges": [],
      "estimated": true,
      "link_url": "https://chase.co.uk/",
      "name": "Chase",
      "score": 39.0,
      "subscores": {
        "app_features": 50.0,
        "customer_support_rating": 67.0,
        "interest_rate_savings": 75.0,
        "security_measures": 0.0
      },
      "values": {
        "account_opening_time": null,
        "app_features": "Standard",
        "atm_withdrawal_fees": "0 GBP",
        "customer_support_rating": "Good",
        "fca_regulation": true,
        "interest_rate_savings": "3%",
        "international_transfer_fees": null,
        "monthly_fees": "0 GBP",
        "overdraft_facility": null,
        "security_measures": "Standard"
      }
    },
    {
      "badges": [],
      "description": "Known for low-cost international money transfers, Wise also offers a multi-currency account.",
      "estimated": true,
      "link_url": "https://wise.com/",
      "logo_dom": "wise.com",
      "logo_url": "https://unavatar.io/wise.com?fallback=false",
      "name": "Wise (formerly TransferWise)",
      "provider": "Wise",
      "score": 28.0,
      "source_url": "https://wise.com/",
      "subscores": {
        "app_features": 50.0,
        "customer_support_rating": 33.0,
        "international_transfer_fees": 0.0,
        "security_measures": 50.0
      },
      "values": {
        "account_opening_time": "Within days",
        "app_features": "Standard",
        "atm_withdrawal_fees_(uk)": 0.0,
        "customer_support_rating": "Average",
        "fca_regulation": true,
        "international_transfer_fees": 0.41,
        "monthly_fees": 0.0,
        "overdraft_facility_available": false,
        "savings_interest_rate_(aer)": 0.0,
        "security_measures": "Enhanced"
      },
      "verified": false
    }
  ],
  "lang": "en",
  "license": "Citation with a link to the URL is allowed. Bulk extraction and redistribution of the catalog is prohibited. Volume access: contact us.",
  "markdown_url": "https://comparefairly.com/en/GB/best-digital-banks-in-the-uk.md",
  "neutral": false,
  "notice": "Neutral ranking, never paid; sorted on measured criteria. Each value is sourced or marked as an estimate (see per-item fields).",
  "query": "best digital bank UK",
  "source": "CompareFairly",
  "title": "Best Digital Banks in the UK",
  "unranked": false,
  "url": "https://comparefairly.com/en/GB/best-digital-banks-in-the-uk"
}