Top 8 Online Current Accounts - UK.

November 2024

Best Online current accounts - Switch easily from your old traditional bank account

	Accounts & Pricing	Highlights	Our Rating	Next Step
1	Simple - Free Classic - €7.95/m Premium - €14.95/m	Free Simple account + Card & Virtual card Open an account in minutes, with no credit checks Multi-currency accounts - GBP, EUR, RON Send money abroad at great rates	98 More info+	Go To Site
A Taste Highlights Fast account opening EUR account & sort code Virtual cards for safe and secure payments No monthly fees Credit Builder feature Support English Top Features SOFORT top-ups Virtual cards for safe and secure online payments Lock/unlock the card in the app Multi-Currency Travel card Monese - UK Review
2	Essential - Free Premium - From £4.97/m	No credit checks. Only 10 minutes to apply. Exclusive cashback rewards. Get your debit card in 3-5 working days.	96 More info+	Go To Site
A Taste Highlights Free Plan - "Essential" €100,000 Deposit Guarantees Unlimited free ATM withdrawals Free Annual Tax Report Customer Support via Chat & Email Top Features Contactless payments + 3D secure for online payments Customized card management SEPA-transfers Standing orders Easy top up Secure Wallets and Vaults for Crypto Storage Suits Me - UK Review
3	Standard - £0/month Premium - £9.99/month	Up to £200 fee free ATM withdrawals globally. Earn up to 8% Cryptoback. Spend cash, stablecoins, and crypto anywhere	92 More info+	Go To Site
A Taste Highlights Up to $200 fee free ATM withdrawals globally. Earn up to 8% Cryptoback. Exchange crypto and traditional currency. Both Physical & Virtual cards. Top Features Standard - £0/month Premium - £9.99/month Elite - £29.99/month Wirex - UK Review
4	Chase Current Account - Free Requirements: be 18+ be a resident of the UK only have a smartphone and a UK mobile number be a tax resident of the UK	Pay zero fees from Chase whether you are home or abroad. Easy- access savings with a competitive rate of interest. Simple, Easy switching to Chase within 7 working days.	89 More info+	Go To Site
A Taste Highlights Current Account customers can open a round up account that rounds up debit card spending to the nearest pound and puts it in a round up account that gives 5% AER (4.89% gross) variable interest, paid monthly. Round-up account balance transfers to elected Chase account on anniversary of account opening. Top Features 1% cashback on everyday debit card spending. Cashback can be earned abroad as well as in the UK. Cashback available for your first 12 months for new customers. Max £15 per month. Exceptions apply. Chase Review
5	Uphold Mastercard card 0% foreign transaction fees No annual fees Great FX rates	Buy, hold, sell, send and spend your digital assetst in one place Track your spending with real-time analytics Use your card to spend crypto 4% cashback in XRP	86 More info+	Go To Site
A Taste Highlights No foreign transaction fees. Use your card to spend crypto. Regulated by the FCA. 4% cashback in XRP Top Features Virtual card - Free Physical card - £9.95 Uphold UK Review
6	Current Account - £12.50/m Free cardonemoney Prepaid Debit MasterCard® Card £1.50 per UK ATM withdrawal	No credit checks No hidden charges Verification of identity and residency required Earn up to 3.5% cashback with top UK retailers	82 More info+	Go To Site
A Taste Highlights No credit checks No account opening fee No hidden charges Apply in minutes Top Features Direct debit and standing order Withraw funds at ATM Need to speak with someone? The UK-based team are available Monday-Friday 08:30-17:00 Free mobile App The Card One Money current account is not covered by the FSCS. Your funds are protected in a safeguarded account. See product FAQs for more information CardOneMoney - P Review
7	Standard - Free Plus - £2.99/m	3 months Revolut Premium Free trial Money managing & saving tools UK current account / European IBAN Trade & Use Cryptocurrencies	79 More info+	Go To Site
A Taste Highlights Standard - Free Plus - £2.99/m Premium - £6.99/m Metal - £12.99/m Top Features Travel without extra hidden fees Spending analytics Pay and get paid easily Round up on card payments for savings Worldwide ATM withdrawals - up to £200 a month with no fee Revolut - UK Review
8	Business account - Free Tide Plus - £9.99/m Tide Cashback - £49.99/m Credit Builder	Free Tide Business Card Expenses Cards for team Schedule payments	77 More info+	Go To Site
A Taste Highlights Free Tide Business Card Expenses Cards for team Schedule payments Cash deposits Top Features Business account - Free Tide Plus - £9.99/m Tide Cashback - £49.99/m Credit Builder Tide Review
9	Current Account Bussiness account Joint Account Teen account	Only UK residents GBP only account Overdrafts up to £1,000	75 More info+	Go To Site
A Taste Highlights UK customers Only Put your salary into Monzo and get the cash a day before Money management tools in-app Set budget for your spendings Top Features Earn up to 1.3% interest on your savings. T&C applied Pay direct debits Loans up to £15,000 Monzo Review

Best For: Expats, Travel Money, Multi-currency

Free Account + Card

Monese Instant Account

9.8

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No proof of address, no minimum amount

Monese Mastercard debit card

Best For: Bad Credit, New to the UK

Cashback % on selected UK merchants

Suits Me 'Essential'

9.6

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No credit checks. Only 10 minutes to apply.

Suits Me Debit Mastercard

Best For: Spend cash & crypto anywhere

Earn up to 8% Cryptoback™ on all purchases

Wirex Account

9.2

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"Secured, easy to manage app"

Wirex Debit Card

Best For: Current Account with No monthly fees

1% Cashback on everyday debit card spending*

Chase current account

8.9

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See what your money can do with Chase

Chase Debit Mastercard

Best For: Trade & Spend Multiple Currencies

0% bank deposit and withdrawal fees

Uphold

8.6

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Get 4% Cashback in XRP

Uphold Card

8.2

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7.9

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Revolut card

7.7

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7.5

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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.

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