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Last updated: Oct 2026

Best Online Current Accounts in the UK

  • check-new&&&SEP&&&-1774343410.svg Compare top-rated UK banks side-by-side
  • check-new&&&SEP&&&-1774343410.svg Interest, cashback & rewards at a glance
  • check-new&&&SEP&&&-1774343410.svg Transparent fees and features
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
  • Open Revolut account in minutes – no fees
  • Get up to 1 RevPoint per £1 spent
  • Earn up to 4.00% AER (variable), paid daily 
  • Spend like a local in 150+ currencies

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
  • Earn up to £15 monthly cashback on spending
  • Fee-free current account with linked savings
  • Award-winning current account provider

9.4

View Review

Visit Site
Open Account

9.4

14,653 Reviews
3

Free account available

apple-pay-mark-rgb-2&&&SEP&&&-1771925139.svg google-pay-mark-rgb-2&&&SEP&&&-1771925131.svg
  • Clear terms with no hidden fees
  • Available to UK residents (terms and conditions apply)

9.1

View Review

Get The App
Open Account

9.1

4

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

8.8

View Review

Visit Site
Open Account

8.8

5
Business Only

Free account available

apple-pay-mark-rgb-2&&&SEP&&&-1771925139.svg google-pay-mark-rgb-2&&&SEP&&&-1771925131.svg
  • Pays the incorporation fee on your behalf
  • Manage business operations via the app

8.6

View Review

Visit Site
Open Account

8.6

22,348 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
  • Open Revolut account in minutes – no fees
  • Get up to 1 RevPoint per £1 spent
  • Earn up to 4.00% AER (variable), paid daily 
  • Spend like a local in 150+ currencies

9.8

View Review

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

9.8

360,760 Reviews

What Is an Online Bank?

Online banks – often called digital or challenger banks – operate mainly through mobile apps rather than physical branches. In the UK, many offer current accounts that can be opened online in minutes and managed entirely from your phone.

Unlike traditional banks, they often focus on low or no monthly fees, real-time notifications, and easy account management through a mobile app.
1
1

9.4
Visit Chase
1

9.8
Visit Revolut
1

9.1
Visit Monzo