Top 8 Online Banks.

November 2025

Join the revolution in the banking world by comparing & choosing the best

	Accounts & Pricing	Highlights	Our Rating	Next Step
1	Basic - Free N26 SMART - €4.90	Regulated by the PRA & BaFin Full European banking licence Support Google Pay & Apple Pay Travel insurance with Premium accounts No Currency exchange fees	98 More info+	Go To Site
A Taste Highlights Free Standard account Free payments in any currency Free Contactless N26 Mastercard Free additional N26 Maestro card Free ATM withdrawals worldwide Top Features Basic - Free N26 SMART - €4.90 N26 You - €9.90 Metal - €16.90 N26 Review
2	$1000 USD annually 3.6% APY on USD deposit	Fully licensed bank that integrates traditional finance and Bitcoin. Earn up to 3.6% interest on USD Savings in BTC Spend globally with a debit card that gives up to 1% cashback in BTC	96 More info+	Go To Site
A Taste Highlights Fully licensed bank that integrates traditional finance and Bitcoin. Earn up to 3.6% interest on USD Savings in BTC Spend globally with a debit card that gives up to 1% cashback in BTC Top Features $1000 USD annually 3.6% APY on USD deposit Xapo Bank Review
3	Standard: €0/month Plus: €3.99/month Premium: €8.99/month Metal: €15.99/month No fees within plan limits. T&C apply. Third party providers may charge fees.	Support team 24/7. Priority for Paid plans. ATM withdrawals with no additional commissions Personalisation fees may apply. Currency exchange in 35+ currencies with no additional fees Mon-Fri, within your plan allowance. T&C apply.	92 More info+	Go To Site
A Taste Highlights Personalisation fees may apply. Currency exchange in 35+ currencies with no additional fees Mon-Fri, within your plan allowance. T&C apply. No fees within plan limits. T&C apply. Third party providers may charge fees. Top Features Standard: €0/month Plus: €3.99/month Premium: €8.99/month Metal: €15.99/month Revolut EU Review
4	bunq Free - Free bunq Core - 3.99 €/m bunq Pro - 9.99 €/m bunq Elite - 18.99 €/m	Earn up to 2% cashback on eligible payments on credit cards. 2.01% Interest rate. 30 day free trial on any plan. Sub-accounts for easy budgeting Up to 6 monthly Free global ATM withdrawals.	89 More info+	Go To Site
A Taste Highlights Earn up to 2% cashback on eligible payments on credit cards. 2.01% Interest rate. 30 day free trial on any plan. Sub-accounts for easy budgeting Up to 6 monthly Free global ATM withdrawals. Top Features bunq Free - Free bunq Core - 3.99 €/m bunq Pro - 9.99 €/m bunq Elite - 18.99 €/m bunq Review
5	All in 1 Business account 30 Days free trial Basic - From €9/month	Local IBAN, Physical & Virtual card Advanced Bookkeeping and Accounting Tools Upload receipts with camera and attach it to the transaction Automatic VAT detection tool	86 More info+	Go To Site
A Taste Highlights All in 1 Business account 30 Days free trial Basic - From €9/month Top Features Local IBAN, Physical & Virtual card Advanced Bookkeeping and Accounting Tools Upload receipts with camera and attach it to the transaction Automatic VAT detection tool qonto - EU - P Review
6	Standard - £0/month Premium - £9.99/month	Up to €200 fee free ATM withdrawals globally. Earn up to 8% Cashback. Spend cash, stablecoins, and crypto anywhere	82 More info+	Go To Site
A Taste Highlights Up to €200 fee free ATM withdrawals globally. Earn up to 8% Cashback. Spend cash, stablecoins, and crypto anywhere Top Features Standard - £0/month Premium - £9.99/month Elite - £29.99/month X-accounts Crypto & Traditional currency account Wirex - T1 Review
7	Monzo - Free Monzo Extra - £3/month Monzo Perks - £7/month Monzo Max - From £17/month	Instant spend notifications. Use 'Pots' to separate your money however you like. Earn 3.00% AER (variable) paid monthly with an Instant Access Savings Pot.	79 More info+	Go To Site
A Taste Highlights Open a Monzo account and pay anywhere, in any currency, fee-free. Sort your payments by category, giving you a crystal clear overview of what you’re spending on. Earn 3.00% AER (variable) paid monthly with an Instant Access Savings Pot. Top Features Your eligible money in Monzo is protected by The Financial Services Compensation Scheme (FSCS) up to £120,000 per person. UK Residents only. 18+ (18-69 for Max) Ts&Cs apply. Monzo Review
8	Borderless Account - Free	receive money from over 30 countries. hold over 40 currencies in your account Charge fees on sending money and converting currencies	77 More info+	Go To Site
A Taste Highlights Regulated By the FCA Need to upload your ID documents in order to verify your account Convert currencies. Easy-to-use app Top Features Free ATM withdrawals worldwide up to £200 every 30 days Receive money with no fees Up to 15X cheaper than high street banks when sending money abroad Transferwise Review

Best For: Free Digital bank account + Debit card

100% mobile bank account with no monthly fees

N26 Standard account

9.8

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Unlimited free trades, 4000+ stocks & ETFs

N26 Debit Mastercard for €0/month

Xapo Bank Premium Account

9.6

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$1,000 annual membership fee

Xapo Debit Card

Revolut Premium

9.2

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Personalized Cards

Revolut Card

Bunq Account

8.9

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Earn up to 2% cashback on your payments

Bunq Credit card

Qonto Business Account

8.6

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Wirex Account

8.2

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"Secured, easy to manage app"

Wirex Multi Currency Debit card

Monzo Account

7.9

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Monzo Debit Mastercard

Wise Account

7.7

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The Advantages of Neobanks

Always Available

Now you can Fully manage your bank account on-the-go using the app or desktop site

Financial Control

Control your money with unique budgeting tools and real-time actions notifications

Safe & Secure

These services uses the highest level of security standards, regulations and funds protection, so your money will be safe

Stay On The Safe Side & Make Smarter Decision

All of the services presented in our website are regulated and licenced.

Top8neobanks' team of fintec experts took an in depth reviews and examinations of these services and thier products in order to give you, the customer, as much added value as possible and allowing you to make smarter and safer decision before upgrading your financial life and opening your first digital bank account with one of the many services available in the market.

If you find anything incorrect with the data presented both on our site and/or the services, please feel free to contact us via email, and we will do our best to correct it and inform others.

Thank you for choosing our service and we hope you will be satisfied from choosing to be part of the revolution of banking re-defind.