- Free account available
May 2025
UK
– May 2025
No Credit Checks Accounts
No Credit Checks Accounts
UK
– May 2025
- Open an account in minutes
- No credit checks, fast approval
- Prepaid/debit contactless cards
How we rank
Our research considers customer testimonials, security levels, pricing, and key advantages when ranking banking service providers. While we receive referral fees from our partners, it’s important to note that it’s not possible to purchase a favorable review or position on this site.
Advertiser disclosure
Top10MobileBanks is a free online resource meant to help users find the information they need in order to make a confident decision. We spend countless hours of research to find the most relevant content and present it in the most accessible way. However, please don’t view the information presented here as a recommendation from our end.
Please note:
All the information displayed in this site is completely subjective. Moreover, we have broad editorial discretion as to the content we publish on the site and due to various reasons, the information you see may be incomplete and/or inaccurate. Please don’t hesitate to double-check the information we provide. It’s okay, we won’t be offended – on the contrary, we would love to hear your feedback!
We’re able to offer this completely free-of-charge online resource thanks to the referral fees we receive from our partners (some of the companies listed on this site). While this may affect the location of these companies and the content we feature on the site, it’s not possible to purchase a favorable review or a position on this site.
| Mobile Bank | Pricing | Card | What We Like | Score | Open an Account | ||
|---|---|---|---|---|---|---|---|
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1
Our Top Choice
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9.8
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2
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9.5
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3
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9.1
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4
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8.8
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5
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8.5
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Our score
9.8
Revolut Review
Regulation
FCA authorised EMI
Pricing
Free account available
Wallets
Based on 161248 reviews
Key features
- EMI, authorised under the UK Electronic Money Regulations
- Real-time FX conversion to 150+ currencies
- Currency exchange up to £1,000/m with no additional fees, Mon-Fri
- Organise subscriptions & stop unwanted payments in-app
- Instant notifications on all transactions
Get a £20 welcome bonus when you sign up
Spend at least £20 within one month of opening your account to receive your £20 welcome reward. 18+, new customers in eligible countries only. Promotion T&Cs apply
1
- Easy apply – no credit checks
- Up to 5% AER (variable) interest paid daily. No withdrawal fees. No minimums.
Get a £20 welcome bonus when you sign up
Our score
9.5
FairFX Review
Regulation
FCA
Pricing
Free account available
Wallets
Based on 12532 reviews
Key features
2
- No credit checks – identity check required
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.
- Earn up to 3.5% cashback at top UK retailers
Our score
9.1
Suits Me Review
Regulation
FCA
Pricing
Free account available
Wallets
Based on 8532 reviews
Key features
- 20+ shops to receive cashback & rewards
- Open a UK account with ID & phone for selfie
- 99.8% of applications are approved
- Withdraw money at any ATM or cash point
- Multi-lingual support (by phone, email, live chat)
3
- Anyone can apply, no credit checks
- Exclusive cashback rewards up to 15%
Our score
8.8
Monzo Review
Regulation
FCA
Pricing
Free account available
Wallets
Based on 24036 reviews
Key features
- Send payments via SMS and Email
- Get instant notifications
- No fee for spending abroad
- 1% currency conversion fee
UK Residents only. Ts&Cs apply.
4
- Runs a “soft” credit check
UK Residents only. Ts&Cs apply.
Our score
8.5
Anna Review
Regulation
FCA
Pricing
Free account available
Wallets
Based on 2115 reviews
Key features
- Link your other bank accounts with ANNA
- Free card payment in any country
- Automates your VAT Return calculation
- Calculates the amount you owe HMRC
- Reminders about upcoming HMRC requirements
5
- Free business account – no credit check required
WAIT!
72% of our users choose Revolut
72% of our users choose Revolut
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How to Compare Mobile Banks
To compare mobile banks and find the right app for your banking needs, there are a number of factors you should consider:
Transaction & ATM fees
Although all mobile banks offer lower fees than traditional banks, there are still differences between each and every mobile bank. You may also wish to check other fees such as card replacement, overdraught and top-up fees before selecting your preferred mobile bank.
Monthly Plans
The leading mobile banks offer a free account, so you only have to pay a small fee for the services you use. Many mobile banks also offer premium plans, offering additional benefits such as free withdrawals, even lower fees, insurance and more.
Saving & budgeting
Some mobile banks offer stand-alone savings accounts, while others offer nifty features such as rounding up your purchases and placing the difference in a ‘piggy-bank’ in the app as well as budgeting goals and targets.
Security
The leading mobile banks, including those on this website, adhere to the highest safety standards, ensuring your money and data are protected 24/7. The mobile banks compared and reviewed by top10mobilebanks.com are authorised and regulated by local authorities.
Payments
All mobile banks offer a debit card for payments and withdrawals from your mobile bank account. In addition, many banking apps also offer e-wallets such as Google Pay or Apple Pay, making online and in-store payments even easier.
What is a Mobile Bank
Mobile-only banks (and EMI/ financial apps) are revolutionising personal banking, offering an alternative to traditional brick-and-mortar banks with fast, secure and easy to use apps for iOS and Android. Mobile banks offer competitive banking services such as current accounts, savings accounts, loans, insurance, and debit/credit cards, often at a cheaper rate than traditional banks.
Mobile-only banks, also known as digital banks or challenger banks, should not be confused with an online account from your traditional bank. Mobile-only banks are 100% app-based, offering more transparency and convenience with fewer restrictions and waiting times than your common bank. And with millions of users across Europe and the UK already using mobile banks, it is clear that mobile-only banking apps are the future for hassle-free, borderless banking.