We are using Cookies

By Using our website you agree to our terms & conditions

Top10MobileBanks is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way. That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback. We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here .

We are an independent professional site supported by referral fees from listed companies. Advertiser Disclosure
GB - United Kingdom, Size=M.svg
Hero background image
Last updated: Oct 2026

Best Basic Banks Accounts

  • check-new&&&SEP&&&-1774343410.svg Open an account in minutes
  • check-new&&&SEP&&&-1774343410.svg No credit checks, fast approval
  • check-new&&&SEP&&&-1774343410.svg Prepaid/debit contactless cards
How We Rank
Mobile Bank
Pricing
Card
What We Like
Score
Open an Account
1
Our Top Choice

Free account available

apple-pay-mark-rgb-2&&&SEP&&&-1771925139.svg google-pay-mark-rgb-2&&&SEP&&&-1771925131.svg
  • Easy to apply – no credit check required
  • Up to 4% AER (variable) interest paid daily. No withdrawal fees. No minimum balance.
  • Manage subscriptions and stop charges in-app

9.8

View Review

Visit Site
Open Account
Exclusive offer: Get a £30 welcome  bonus 

9.8

2

Free account available

apple-pay-mark-rgb-2&&&SEP&&&-1771925139.svg google-pay-mark-rgb-2&&&SEP&&&-1771925131.svg
  • Free business account – no credit check required
  • Link your other bank accounts with ANNA

9.4

View Review

Visit Site
Open Account

9.4

3

Free account available

apple-pay-mark-rgb-2&&&SEP&&&-1771925139.svg google-pay-mark-rgb-2&&&SEP&&&-1771925131.svg
  • Performs a “soft” credit check
  • Available to UK residents (terms and conditions apply)

9.1

View Review

Visit Site
Open Account

9.1

4

Free account available

apple-pay-mark-rgb-2&&&SEP&&&-1771925139.svg google-pay-mark-rgb-2&&&SEP&&&-1771925131.svg
  • No credit checks – identity check required
  • Instant access to virtual cards

8.8

View Review

Visit Site
Open Account

8.8

14,902 Reviews

Top Rated Choice

Mobile Bank
Pricing
Card
What We Like
Score
Open an Account
1
Our Top Choice

Free account available

apple-pay-mark-rgb-2&&&SEP&&&-1771925139.svg google-pay-mark-rgb-2&&&SEP&&&-1771925131.svg
  • Easy to apply – no credit check required
  • Up to 4% AER (variable) interest paid daily. No withdrawal fees. No minimum balance.
  • Manage subscriptions and stop charges in-app

9.8

View Review

Check Rates
Open Account
Exclusive offer: Get a £30 welcome  bonus 

9.8

360,760 Reviews

Comparing Mobile Banks

To compare mobile banks and find the right app for your banking needs, there are a number of factors you should consider:

1

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, overdraft and top-up fees before selecting your preferred mobile bank.

1

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, lower fees, insurance and more.

1

Saving & budgeting

Some mobile banks offer stand-alone savings accounts, while others offer helpful features such as rounding up your purchases and placing the difference in a ‘savings pot’ in the app, as well as budgeting goals and targets.

1

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.

1

Payments

All mobile banks offer a debit card for payments and withdrawals from your mobile bank account. In addition, many banking apps also offer digital 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 high-street 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.
1