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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 .

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Last updated: Oct 2026

No Credit Check Accounts

  • check-new&&&SEP&&&-1774343410.svg Open an account in minutes
  • check-new&&&SEP&&&-1774343410.svg No credit check, quick approval
  • check-new&&&SEP&&&-1774343410.svg Prepaid or 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
  • Performs a “soft” credit check
  • Available to UK residents (terms and conditions apply)

9.4

View Review

Visit Site
Open Account
UK Residents only. Ts&Cs apply.

9.4

3

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
  • Reminders about upcoming HMRC requirements

9.1

View Review

Visit Site
Open Account

9.1

4,966 Reviews
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

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

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

9.8

360,760 Reviews

How to Compare Mobile Banks

To compare online banks and find the right app for your banking needs, there are several factors to consider.

1

Transaction & Cash Machine Charges

Although all mobile banks offer lower fees than traditional banks, there are still differences between mobile banks. You may also wish to check other fees such as card replacement, overdraft charges 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 charge for the services you use. Many mobile banks also offer premium plans, offering additional benefits such as free withdrawals, even lower charges, insurance, and more.

1

Savings & Budgeting

Some mobile banks offer separate savings accounts, while others offer nifty features such as rounding up your purchases and placing the spare change in a digital 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 security standards, ensuring your money and data are protected 24/7. The mobile banks compared and reviewed by top10mobilebanks.com are authorised and regulated by the relevant financial authorities.

1

Payments

All mobile banks offer a debit card for payments and cash machine 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 easier than ever.

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 lower rates than traditional banks.Mobile-only banks, also known as digital or challenger banks, should not be confused with simply having an online account from a traditional bank. Mobile-only banks are 100% app-based, offering more transparency and convenience with fewer restrictions and shorter waiting times than a typical 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