Comparison table – 5 popular accounts

uk digital banks comparison

Sometimes, it is hard for customers to choose with more and more digital-only banks and EMIs (electronic money institutions) being launched around the world. Yes, in many regions, there are only 1 or 2 options for a digital-only bank account. But what about places like the UK and EU where choice is already quite big and growing? In this post, you can find a table that compares Revolut vs Monese vs Monzo vs Starling vs Pockit. More region focused tables about digital banks coming soon.

*may need to set phone horizontally to see the full table

revolut monese monzo starling bank pockit
Where availableEU, UK, AU, CA, SG, CH, USUK, EU, EEAUKUKUK
RegulationFCA, ASIC, MASFCAFull-bank
Personal accountStandard – Free
Premium – €7.99/mo
Metal – €13.99/mo
Simple – Free
Classic – €5.95/mo
Premium – €14.95/mo
No monthly feesNo monthly fees£0.99/mo
Business accountEU companiesUK ltdUK ltd
UK ltd, UK solo trader❌
Saving account❌❌1.3% AEROn balances
0.5% AER up to £2,000
0.25% up to £85,000
Multi-currency accountEUR, GBPEUR, GBPGBPGBP, EURGBP
Loans❌❌3.7% APR 
on loans of £7,5k to £15k
19.5% APR
on loans up to £7,5k
Loan calculator 
on the site
Credit Card❌❌up to £3,000
19%, 29% or 39% EAR
Overdraft 15% EAR❌
Metal Card✅❌❌❌❌
ATM feesFor Standard plan
Up to €200 fee-free /mo 
2% thereafter
For Simple plan
Up to €200 fee-free /mo 
2% thereafter
Up to £200 fee-free /mo 
3% thereafter
no ATM fees99p withdrawal fee
ExtraHold 30 currencies
Exchange 150 currencies
With interbank rate
Personal account
proof of address
Overdrafts and loans
Full range of 
bank products
The simple,
easy current account
Revolut full reviewMonese full reviewMonzo full reviewStarling bank full reviewPockit full review
Open accountOpen accountOpen accountOpen accountOpen account