Top 8 Online Banks - UK.

December 2024

Compare services, Choose the best & Open your account in minutes

	Accounts & Pricing	Highlights	Our Rating	Next Step
1	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.	98 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
2	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	96 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
3	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.	92 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, for your first 12 months. Max £15 per month. Exceptions apply. Chase Review
4	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	89 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
5	Prepaid Multi-currency Mastercard card Travel Money International payments Just £1 ATM fee applies in the UK & abroad per withdrawal	Multi-Currency card to use in 190+ countries Great rates for up to 20 major currencies Earn up to 3.5% cashback at top UK retailers *FairFX accounts don’t fall under the Financial Services Compensation Scheme, instead your money is protected via safeguarding. We hold your funds in specially designated, safeguarded bank accounts, which keep them separate from our other assets	86 More info+	Go To Site
A Taste Highlights Free Prepaid Multi-currency Mastercard card Travel Money International payments Just £1 ATM fee applies in the UK & abroad per withdrawal Top Features Multi-Currency card to use in 190+ countries Great rates for up to 15 major currencies Earn up to 3.5% cashback at top UK retailers FairFX - Banks 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	£10 off on the activation fee - promo code 10OFFTALLY £29 account activation fee Account keeping fee of 0.5% p.a	Save in gold to protect the long-term value of your money Spend your gold instantly at 47m merchants worldwide Withdraw cash with the Tally Debit Mastercard No added foreign currency markups or fees (even at ATMs)	79 More info+	Go To Site
A Taste Highlights Save in gold to protect the long-term value of your money Spend your gold instantly at 47m merchants worldwide Withdraw cash with the Tally Debit Mastercard with no cap (only daily) No added foreign currency markups or fees (even at ATMs) Top Features £10 off on the activation fee - promo code 10OFFTALLY £29 account activation fee Account keeping fee of 0.5% p.a Tally - UK Review
8	Current Account Bussiness account Joint Account Teen account	Only UK residents GBP only account Overdrafts up to £1,000	77 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: Bad Credit, New to the UK

Cashback % on selected UK merchants

Suits Me 'Essential'

9.8

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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

9.6

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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

9.2

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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

8.9

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Get 4% Cashback in XRP

Uphold Card

FairFX Multi-currency Account

8.6

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Get £10 off when you load £250 or more

8.2

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Best For: Protecting your money from inflation

£10 off on the activation fee - promo code 10OFFTALLY

TallyMoney Account

7.9

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TallyMoney Debit Mastercard®

7.7

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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.

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