
Best Online Banks in Europe in 2023: Fees, Features, and More

Guide

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.
Reviewer

A writer and editor at Monito, Jarrod is passionate about helping people apply today’s powerful finance technologies to their lives. He brings his background in international affairs and his experiences living in Japan to provide readers with comprehensive information that also acknowledges the local context.
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Read moreBy offering low fees, easy application, and convenient web and mobile apps, online banks have risen rapidly in prominence across the EU in recent years, going even so far as to challenge traditional banks for a new tech-savvy generation of customers.
In 2023, as both the popularity and the market share of Europe's online banks continue to rise, you might wonder which of the many online banks in Europe offers you the best service. In this guide, we whittle down the top online banks in the EU/EEA fintech scene to the prominent contenders and explore which one might make sense for you.
A full bank in most EU countries, Revolut gives you a free current account with an EU IBAN (and UK local bank details too!), a debit card, and excellent multi-currency features. Combined with investments, loans, and savings features, we think Revolut is convincingly the best online bank in Europe in 2023.
✨ Get 3 months of free Revolut Premium as a Monito reader with our exclusive link.
How Monito Scores Online Banks
To determine which online banks scored better than others within the EU/EEA market, we used a consumer-first framework to analyse several key factors. To begin with, we weighed a number of concrete metrics relating to factors such as fees and rates, ease of use, credibility, service and coverage, transparency, and customer satisfaction to piece together a reliable all-around picture of which top digital banks offer the savviest solutions to EU residents.
Next, we explored these results and presented our findings in the form of a series of key takeaways that we believe you should know about the three digital banks ranked highest.
In our definition of "online bank," we only consider:
- Digital banks that are available across all or most EU/EEA countries, not just in specific countries.
- Online-first banks, and not traditional banks which have pivoted to digital banking while still maintaining an extensive brick-and-mortar infrastructure.
While we ranked these online banks on an overall list, bear in mind that this list does not mean that our choice for the EU's best digital bank is necessarily the best choice for you. As you'll see, each online bank comes with its own unique set of pros and cons that may impact its overall relevance to you.
If you'd like to see how EU online banks stack up against one another, then check out our live neobank comparison engine.
Without further ado, let's go through our rankings for the top online banks in Europe in 2023 —
Best Online Banks in Europe
- 01. Best all-rounder — Revolut
- 02. Best current account — N26
- 03. Best for sustainable banking — Tomorrow
- 04. Best for foreign currency spending — Wise
- 05. Best paid current account — bunq
- 06. Best CHF account — Yuh
- 07. Best EUR account for UK residents — Starling Bank
- 08. FAQ about the best online banks in Europe
Revolut: Best All-Rounder
A major name in the digital banking sphere, Revolut has stood at the forefront of Europe's low-cost online financial services sector in recent years. With over 12 million users, the London-based fintech is available not only in the EU and EEA but worldwide. However, because it's not yet a bank in all EU countries, we think Revolut is best used as a spending tool next to a main bank account instead of in place of it.
- Account name: Standard
- Account details: Lithuanian IBAN, UK account number
- Licensing: Bank
- Account maintenance: €0 /month.
- Noteworthy features: UK bank account details, multi-currency balances, trading, savings, tracking and analytics.
- Availability: 30 European countries
- Overview of all plans:
Account Name | Fee /Month |
---|---|
€0.00 | |
€2.99 | |
€7.99 | |
€13.99 | |
€55.00 |
- More info: See our full Revolut review or visit the website.
Revolut is a fully-fledged bank (licensed by the Bank of Lithuania and offering deposit insurance and products such as loans and credit cards) in parts of the EU/EEA, including France, Italy, Portugal, Estonia, Greece, Latvia, Romania, and a few others. If you live in another EU country though, as of November 2021, Revolut carries only an e-money institution license, meaning it doesn't offer deposit insurance.
However, whether you choose Revolut or Revolut Bank, the platform offers a range of financial services typical of traditional banks, making it an attractive alternative to high-street banks due to its unique ability to offer low fees and impressive scope of service.
Opening up a 'Standard' account with Revolut is completely free, but the delivery of the first debit card will set you back around €5. While ATM withdrawals are also free, a 2% fee (at a minimum of €1) will be charged on all withdrawals after the first €200 or five withdrawals every month. What's more, transferring money to other Revolut users is free and instant. This makes the service a reliable choice if those you most frequently send money are also Revolut users themselves.
In addition, Revolut offers low fees on international money transfers, leaving the service an attractive choice for those who send money across borders frequently. They charge no exchange rate margins on weekdays, with users only subject to a flat 0.50% fee on all transfers sent abroad. However, be aware that Revolut charges twice the fee for international money transfers made on weekends — bumping the fee to 1% on Saturdays and Sundays.
Revolut Advantages
- An extensive range of bank-like and multi-currency options;
- The debit card is well-priced for international spending;
- Includes investment functionality;
- Slick mobile app with many features;
- Foreign transactions up to €1,000 (or equivalent) are exempt from FX fees.
Revolut Disadvantages
- Access to some interesting perks is restricted to 'Standard' users;
- Many foreign currency transactions incur a fee;
- Higher currency conversion costs on weekends.
Revolut Plans
Here's a full overview of Revolut's different account offerings:
- Standard: With zero up-front costs, the Standard option offers a digital current account (with a Lithuanian IBAN) with no monthly fee and a free debit card. ATM withdrawals are free up to five withdrawals or €200 per month (whichever comes first). After that, it costs 2% of the value of the ATM withdrawal.
- Plus: Plus accounts cost €2.99 per month, including a debit card. ATM withdrawals are free of charge up to €200 per month, after which a 2% fee applies.
- Premium: Premium accounts cost €7.99 per month, including a debit card, and there are no fees for ATM withdrawals up to €400 per month. After that, it costs 2% of the value of the ATM withdrawal.
- Metal: Metal accounts cost €13.99 per month, including a debit card. ATM withdrawals up to €800 per month are free, and after that, it costs 2% of the value of the ATM withdrawal.
In the end, Revolut is among the best bank-like products currently available on the market and provides a capable spending option next to a main bank account. It is ideal if you'd like to cut down on the high fees associated with basic banking services at high-street banks and is particularly well-suited for travelling abroad, especially if you plan to spend less than €1,000 (or equivalent) and do most of your spending on weekdays. It's for all these reasons that we rate Revolut as the best all-rounder online bank in the EU.
N26: Best Free Current Account
Arguably the best-known mobile bank, N26 is a widely-used and much-loved German online bank with around seven million customers across the EU. N26 is also partnered with Wise's money transfer service, allowing in-app international money transfers at some of the best exchange rates on the market. Because of its complete current account offering, we recommend N26 to just about anybody interested in low-cost banking.
- Account name: N26 Standard
- Account details: German IBAN
- Licensing: Bank
- Account maintenance: €0 /month.
- Noteworthy features: Instant social payments, overdraft facilities, cash deposits
- Availability: 22 European countries
- Overview of all plans:
Account Name | Fee /Month |
---|---|
€0.00 | |
€4.90 | |
€9.90 | |
€16.90 |
- More info: See our full N26 review or visit the website.
N26 offers several paid accounts and one free account, 'N26 Standard', which in our opinion is a very capable and complete online banking package in and of itself (especially considering it doesn't cost a cent in monthly fees). 'N26 Standard' is a fully-fledged current account available online and in the N26 app. It allows mobile payments and includes a transparent debit Mastercard, which arrives with no delivery fee.
While very cheap, there are some costs to consider when using the 'N26 Standard' account. For example, the account is free up to three ATM withdrawals per month in the Eurozone, after which it costs €2 per withdrawal. And, as mentioned above, cash withdrawals at ATMs outside the Eurozone (e.g. Switzerland, Norway, UK, US, etc.) come with a fairly steep 1.70% commission on the total amount withdrawn.
N26 Advantages
- Integrated with Wise for international money transfers;
- A secure current account with a licensed bank;
- Instant transfers to most other SEPA bank accounts;
- The standard plan is practically free for everyday use.
N26 Disadvantages
- A 1.70% fee for foreign currency ATM withdrawals;
- No interest, loans, joint account, or multi-currency functionality;
- Not available for UK residents or citizens;
- Upgrade needed for unlimited, fee-free cash withdrawals.
Upgrading plans with N26 can cost you between €4.90 and €16.90 and will bring you benefits such as comprehensive insurance, spending statistics, and preferential customer support. However, the core banking features of N26 are all available on the free account, and in our opinion, this account should give you everything you're looking for if free basic banking services are what you're after.
Living in Italy? N26 is unavailable there. See more.
Tomorrow: Best for Sustainability
Tomorrow is a fintech company affiliated with German bank Solarisbank striving for positive impact and claiming to put sustainability before profit. Customers can choose between three sustainable current accounts, the first two coming with a plastic Visa debit card, and the premium tier coming with a wooden Visa debit. We particularly think Tomorrow's basic 'Now' account is the ideal choice for sustainability-oriented customers due to its low all-around costs and pro-sustainability investments.
- Account name: Now
- Account details: German IBAN
- Licensing: Payment Institution
- Account maintenance: €3-€9 /month
- Noteworthy features: Climate contributions, savings pockets
- Availability: 4 European countries
- Overview of all plans:
- More info: See our full Tomorrow review or visit the website.
All three of Tomorrow's paid account models (which range from €3 to €15 per month) create sustainable investments. This is achieved using transaction costs and user deposits, which are partly invested in projects such as afforestation, sustainable energy production, or drinking water purification in poorer regions of the world.
Tomorrow Advantages
- Customer money is invested in sustainable projects;
- Good checking account for everyday use;
- Attractive pricing for foreign currency transactions;
- Interesting perks, including community pockets and Tomorrow Funds;
- Stylish debit card in an artistic design.
Tomorrow Disadvantages
- Starts at €3 per month in account management fees;
- Not available for UK residents or citizens;
- Cash withdrawals can be pricey;
- Missing cash deposits, international transfers and other core features.
Even with Tomorrow's base account, the CO2 footprint of the account holder is compensated, and with its premium 'Zero' account, the package comes with a debit card made of wood, which is a unique perk that allows your card to stand out visually from the rest.
Aside from its focus on sustainability, Tomorrow also has a lot to offer functionally. The platform enables free payments worldwide and offers currency conversion at the mid-market exchange rate with both account models. Cash withdrawals abroad on the free account cost 1.5% of the withdrawal amount.
We are particularly interested in the fact that Tomorrow offers an excellent user experience despite its sustainable approach and stands out with attractive fees for use at home and abroad. Thus, you won't have to compromise when receiving a sustainable current account with excellent functionality and low transaction costs.
Wise: Best Multi-Currency Account
Wise is not a bank but a money transfer operator well-known for offering some of the cheapest international transfers globally. (In fact, according to our rankings, Wise is the best money transfer service.) However, money transfers aren't Wise's only game; they also offer the Wise Multi-Currency Account — a low-cost foreign currency spending account and card product that's best in class on the market.
- Account name: Multi-Currency Account
- Account details: Belgian IBAN and 9 others
- Licensing: Payment Institution
- Account maintenance: €0 /month.
- Noteworthy features: International money transfers, multiple account details, multi-currency balances, virtual debit cards.
- Availability: 32 European countries
- More info: See our full Wise Account review or visit the website.
Wise in Short
Applying for a Wise Account is fast and easy and can be done using proof of residence in the EU/EEA (as well as many countries worldwide). Once you're signed up and your card has arrived (which takes up to two weeks in Europe), you'll be able to take advantage of the following unique features with the account:
- Local bank details in the US, Eurozone, UK, Australia, New Zealand, Singapore, Romania, Canada, Hungary, and Turkey;
- Hold, exchange, and top-up up to 56 currencies;
- A multi-currency Visa debit card that's handy for paying in foreign currencies without the hidden fees;
- Access to Wise's powerful international money transfer service right from your account balance.
Wise Advantages
- Account details in as many as 10 currencies;
- Hold money in 50+ currencies;
- Send money to 80+ countries from your account;
- Some of the lowest money transfer fees available on the market;
- Pricing is accessible and transparent;
- Mid-market exchange rate offered for currency transfers;
- Wise card can be used to avoid foreign transaction fees;
- No setup fees or monthly charges.
Wise Disadvantages
- Cash or cheque payments aren't supported;
- Overdraft and loans aren't available;
- Negative interest on large Euro account balances;
- Fees to top up the account via debit and credit card;
- Tight limits and conditions to fee-free ATM withdrawals.
How Wise Works
To get a sense of just how useful Wise can be for frequent travellers and expats, let's say that you've just moved from the UK to Portugal and you'd like to spend in Euros before you've got your proof of residence sorted out. With the Wise Multi-Currency Account, you'll be able to:
- Send British pounds from your bank account to your Wise Euro account;
- Convert to Euros at a low fee (e.g. if you add €1,000 and pay with British pounds, the total fee will be around 0.35% or £3);
- Pay with your Wise debit card, make or receive SEPA (and SWIFT) payments, and set up direct debits.
You'll also have a dedicated set of Belgian bank details to share with a European employer. Belgian IBANs are fully eligible in the Eurozone, and rejecting the payout or receipt of funds based on the origin of an IBAN is illegal. Note that this account does not offer an overdraft, and you won’t earn interest on any in-credit balances.
Final Word
For the above reasons, we think Wise is the best online multi-currency account available to Europeans and a product we firmly recommend for holidaymakers, online spenders, and expats alike.
Bunq: Best Paid Current Account
Dutch neobank bunq doesn't really lift a candle to some of the other contenders on this list in terms of affordability. That's because bunq doesn't offer a free account, and many of its services come with additional fees. However, for those who don't mind paying higher fees every month for an online bank account, then bunq comes packed with many interesting features and perks to take advantage of.
- Account name: Easy Bank
- Account details: Dutch bank account
- Licensing: Bank
- Account maintenance: €2.99 /month.
- Noteworthy features: Bill splitting, Wise money transfer integration,
- Availability: 27 European countries
- Overview of all plans:
Account Name | Fee /Month |
---|---|
€0.00 | |
€2.99 | |
€8.99 | |
€17.99 |
- More info: See our full bunq review.
Available in most EU/EEA countries, bunq offers three different bank account types priced between €2.99 and €17.99 per month. Following a major pricing update in 2021, bunq went from being one of the cheapest neobanks for overseas spending to one of the most expensive. On bunq's most affordable plan, card spending in foreign currencies while abroad incurs a 1.5% commission on the transaction amount as well as a 0.5% network fee, while on the two more premium plans, the 1.5% commission is waived for cashless payments abroad, but the 0.5% network fee remains.
Cash withdrawals are also rather pricey at bunq, regardless of the plan. On the cheapest 'Easy Bank' plan, not only does the €0.99 per withdrawal fee apply for the first four withdrawals per month (after which the fee bumps up to €2.99 per withdrawal), but these come in addition to the 1.5% commission and 0.5% network fee for foreign currency withdrawals. This means that for a $1,000 withdrawal in the US, you'd pay 2.1% in fees, which is comparable to the fees charged by traditional banks.
Despite the pricing update, whether you're an expat, a frequent traveller, or a digital nomad, you'll find bunq to still be, on average, a cheaper option for overseas spending than traditional banks, though, although not quite as cheap as come of its major alternatives such as N26 and Revolut.
Bunq Advantages
- The choice between a Spanish, German, French, or Dutch IBAN;
- Partnered with Wise for international money transfers;
- A licensed bank in the Netherlands;
- Notifications and sub-accounts to manage spending;
- Built-in savings with interest.
Bunq Disadvantages
- No free plan is available;
- Climate contribution on 'Easy Green' plan is usually not worth it;
- Relatively expensive premium tiers;
- ATM withdrawals are pricey on all plans.
Bunq Plans
Bunq accounts break down into three tiers as follows:
- Easy Bank: A low-cost current account with a German, French, Spanish, or Dutch IBAN that comes with a debit Mastercard and money transfer capabilities. The account costs €2.99 per month.
- Easy Money: An account with added features and functionalities, including spending statistics, four free ATM withdrawals per month, budgeting features, unique deals, a metal debit card, and bookkeeping software. The account costs €8.99 per month.
- Easy Green: The premium tier, Easy Green's unique feature allows users to track the progress of the reforestation initiative already linked to other tiers (i.e. a tree planted for every €100 spent). Costing €17.99 per month, we've found in our bunq review that this initiative is not worth it for most users.
Because of the costs involved, we think bunq isn't suitable for all kinds of users, especially those looking to cut back on expenses or those who aren't necessarily looking for an eco-friendly solution in their bank. However, suppose you live in Spain, France, Germany or the Netherlands and want an IBAN for one of these countries (especially if you don't mind paying the €2.99 per month fee for the perks that bunq has to offer). In that case, we'd recommend bunq's 'Easy Bank' plan, which provides an interesting paid online bank account that will probably give you everything you're looking for and more.
Yuh: Best Swiss Franc Account
Yuh is a Swiss neobank that's backed by Swissquote and PostFinance. It offers a Swiss franc (CHF) IBAN account and multi-currency functionality that allows you to hold in-app balanced in up to 13 other currencies, including EUR, USD, and GBP. Yuh also comes with a built-in stock and crypto trading platform. Because it's available in Switzerland and all neighbouring EU/EEA countries, we think it's the best CHF account in Europe and an excellent way to hold a balance in the currency if that's something you find helpful.
- Account name: Yuh
- Account details: Swiss IBAN
- Licensing: Bank subsidiary
- Total cost: €0 per month.
- Noteworthy features: CHF bank account details, multi-currency balances, stock and cryptocurrency trading.
- Availability: 6 European countries
- More info: See our full Yuh review or go to the website.
Swiss neobank Yuh is an excellent online account that gives you an app-based account and a debit card. Together, they make a savvy and capable spending tool, although it lacks card and cash top-up methods, direct debits, interest, and overdrafts. The account comes with a slick black prepaid debit Mastercard, which costs nothing in month-to-month fees:
Yuh
With Yuh, you'll be able to hold a bank account in Swiss francs (with a full-fledged Swiss IBAN) and balances in 12 other currencies (including US dollars and all the currencies of the EEA). Yuh also offers 'projects', which you can use to put money aside into dedicated account-like spaces to be saved for short-, medium-, and even long-term goals (with CHF, EUR, and USD balances all accruing interest).
Another major perk of Yuh is that, using the app, you can buy fractional shares for as little as CHF 25 (a very low barrier to entry) in over 200 blue-chip companies or invest in "themes" (e.g. vegetarian, pharma, cannabis, etc.) to which you want to expose your portfolio. Yuh also offers an automated investment feature where it allows you to choose how often and how much you want to invest, and it'll make the trades for you.
Yuh Advantages
- Clean and well-designed mobile app.
- Backed by PostFinance and Swissquote.
- Excellent in-app investment features.
- Nifty 'Pay a friend' feature for instant transfers between users.
- A small and straightforward 0.95% fee on currency exchange.
Yuh Disadvantages
- Only possible to fund the account by bank transfer.
- Few customers and reviews to date.
Starling: Best EUR Account for UK Residents
Starling Bank is a fully-authorised bank in the UK that's well known for its fee-free current account. In fact, because this account is entirely free and gives you access to an impressively complete range of financial services (including overdraft facilities, loans, joint accounts, youth cards, pensions, Euro and US dollar accounts, interest, etc.), we think Starling offers the best online bank in the UK — one we recommend as a complete replacement for an account at a high-street bank.
- Account name: Personal account
- Account details: UK IBAN
- Licensing: Bank
- Total cost: £0 /month.
- Noteworthy features: EUR and USD bank account details, savings, pension scheme, youth card, interest, overdraft.
- Availability: United Kingdom only
- More info: See our full Starling Bank review or go to the website.
UK-based digital-only Starling Bank was founded by Anne Boden in 2014 and received its UK banking licence in 2016. Available to UK residents and citizens, Starling Bank offers free online current accounts. Never pay monthly maintenance fees, foreign card transaction fees, 24/7 support, and digital-only account opening.
Starling Bank's standard current account holds British pounds and offers unlimited free domestic bank transfers and no ATM fees. You may even open a multi-currency account that holds Euros for free! If you are living and working in the Eurozone, then you can easily send Euros to your Starling Bank multi-currency account by SEPA Payments, Direct Debits, or Standing Orders (Recurring SEPA Payments).
Starling Bank also offers very competitive exchange rates, which we review here. When you need to exchange your Euros for Pounds and vice versa, you can be confident in Starling Bank's transparent and industry-low rates.
Starling Bank Advantages
- No monthly account fees.
- Fee-free ATM withdrawals and transactions abroad.
- Innovative features and services that can be managed in-app.
- Categorised spending insights that make it easier to budget.
- Interest paid on account balances.
- Compatible with Google Pay, Samsung Pay, Apple Pay, Fitbit Pay and Garmin Pay.
Starling Bank Disadvantages
- Overdrafts are charged at 15% EAR.
- USD accounts cost £5 per month.
- Replacing a card lost overseas could cost £60.
- Interest of -0.5% on balances in the Euro account of over €50,000.
The Best EU Online Banks Compared
To wrap things up, let's take a look at how the product, service, and pricing of a few of the online banks we explored compare to one another in the EU/EEA. We've chosen to compare the standard plans of Tomorrow, bunq, Revolut, and N26 because of their similar all-round product offerings:
![]() | ![]() | ![]() | |
Account | Standard | Standard | Now |
Monthly Fee | €0 | €0 | €0 |
Intl. Withdrawal Fee | 1.7% | 3% | 1.5% |
Intl. Transaction Fee | 0% | 0% | 0% |
Intl. Transfer Fee | 0.3%-2.8% |
| N/A |
Card Delivery Fee | €0 | €0 | €0 |
Contactless | ✔ | ✔ | ✔ |
Google Pay | ✔ | ✔ | ✔ |
Apple Pay | ✔ | ✔ | ✔ |
3D Secure | ✔ | ✔ | ✔ |
Deposit Options |
|
| SEPA transfer |
Overdraft | ✔ | ✘ | ✘ |
Platforms |
|
| Mobile |
Deposit Insurance | €100,000 | €100,000 | €100,000 |
No. of Customers | 7 million | 15 million + | Approx. 70,000 |
Trustpilot | 3.3/5 | 4.3/5 | 3.4/5 |
Customer Service |
| 24h in-app live chat |
|
Try N26 ❯ | Try Revolut ❯ | Try Tomorrow ❯ |
Last updated: 3/1/2023
FAQ About Online Banks in Europe
🔐 Are online banks safe?
Yes, in the EU/EEA, online banks are indeed safe and secure financial institutions. Not only are they duly authorised and regulated by the central banks in their respective countries of origin, but European online banks offer deposit protection to their customers in accordance with EU guidelines, meaning that, in most cases, 100% of funds will be reimbursed in the event of bankruptcy.
🏛 Are online banks considered non-banks?
Yes and no. Strictly speaking, an 'online bank' is an up-and-coming financial institution that places digital solutions at the forefront of its product and service offerings. Therefore, an online bank can still, by all means, be a registered and regulated bank, as is the case with N26. However, most online banks are indeed non-banks and inhabit a regulatory 'grey zone' between being fully-fledged banks and financial technology companies.
👨⚖️ Are online banks regulated?
Yes, online banks are regulated by the same laws and regulations that govern all other financial services providers in the EU/EEA, namely authorization and oversight by the central banks of their respective countries and adherence to the financial compensation guidelines.
💰 How do online banks make money?
Like legacy high-street banks, online banks make money from personal clients through service fees associated with opening, maintaining, and utilizing an account and various features. However, for a number of reasons including the fact that most online banks do not maintain offices, online banks are able to reduce their pricing to outcompete traditional banks at the price point.
🇪🇺 What is the best online bank account to open in Europe?
In general, we think N26 is the best online bank account to open in Europe for most people, because it's probably the most complete online bank in the EU market. However, since N26 is currently no longer accepting new customers from Italy, if you live there (or live elsewhere and value sustainability above costs), we recommend Tomorrow instead, which offers an excellent current account and sustainable banking option. Another great option is bunq, which is widely available across Europe and wins when it comes to features.
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