# Best Digital Banks in the UK

_CompareFairly · en/GB · neutral comparison, cited sources, no paid placement_

**Category:** finance › banking › digital bank

**Our pick**: Starling Bank (100/100) · **Cheapest**: Starling Bank

## Comparison table

| Criterion | Starling Bank | Monzo | Revolut | Chase | Wise (formerly TransferWise) |
| --- | --- | --- | --- | --- | --- |
| Monthly Fees (GBP) | 0 | 0 | 0 | 0 GBP | 0 |
| Savings Interest Rate (AER) (%) | 4 | 3.4 | - | 3% | - |
| ATM Withdrawal Fees (UK) (GBP) | - | - | - | 0 GBP | - |
| International Transfer Fees (GBP) | 0 | 0 | 0 | - | 0.4 |
| 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 |

## 1. Starling Bank

Organise your money, build great habits and stay in control of your spending with this award-winning digital bank.

**Best for:** Individuals looking for a feature-rich, free digital bank account with strong security and customer support.

**Pros:**
- No monthly fees
- Fee-free spending abroad
- Industry-leading security features
- 24/7 UK customer support

_Source (verified): [https://www.starlingbank.com/](https://www.starlingbank.com/)_

## 2. Monzo

An app-only digital bank offering current accounts, joint accounts, and tools for smart spending and saving.

**Best for:** Users who want smart money management tools and fee-free international spending.

**Pros:**
- Smart spending and saving tools
- Fee-free spending worldwide
- Full FSCS protection
- 24/7 in-app customer support

_Source (verified): [https://wise.com/gb/blog/best-international-online-bank](https://wise.com/gb/blog/best-international-online-bank)_

## 3. Revolut

A fully licensed bank in the UK offering various current account tiers with international transfer and currency exchange features.

**Best for:** Individuals needing extensive international transfer and currency exchange capabilities.

**Pros:**
- International transfers and currency exchange
- Available in 48 countries
- Fee-free currency transfers in over 35 currencies

**Cons:**
- Concerns about treatment of fraud victims
- Higher levels of authorised push payment (APP) fraud money

_Source (verified): [https://wise.com/gb/blog/best-international-online-bank](https://wise.com/gb/blog/best-international-online-bank)_

## 4. Chase

## 5. Wise (formerly TransferWise)

Known for low-cost international money transfers, Wise also offers a multi-currency account.

_Source (estimate): [https://wise.com/](https://wise.com/)_

## 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.

## 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.


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_Generated by CompareFairly - neutral universal comparator. Ranking not for sale, data sourced._


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_CompareFairly · https://comparefairly.com/en/GB/best-digital-banks-in-the-uk — citation with a link is allowed; bulk extraction/redistribution is prohibited._
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