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Compare Latest Mobile App Bank Account Offers

Starling Bank
Mobile App Bank Account Starling Bank
Monthly Account Fee £0
Account Type Mobile Bank Account
Features More Control over your money

Why we like it: Get set up in minutes. No paperwork, monthly fees or branch visits. Send money abroad: Fast and secure money transfers to bank accounts in 38 countries worldwide. No fees when you pay with your card abroad or withdraw money. Real Mastercard exchange rates and real-time notifications in both currencies. Get a spotlight on your spending: See what you’ve spent instantly with real-time payment notifications. Current account is completely free.: No charge for making electronic payments, domestic transfers or ATM withdrawals. Three-month interest holiday on the first £500 of an arranged overdraft. Earn Interest: current account pays 0.05% AER on balances up to £85,000.Card gone missing? Lock it in-app temporarily while you look for it or cancel it with a tap if you think it’s gone for good. Personal loan available that’s straightforward to use, competitively priced and tailored to you. Best British Bank and Best Current Account in 2018, 2019 and 2020 at the British Bank Awards. Awarded 5 stars by Defaqto too. Fully registered bank and a member of the Financial Services Compensation Scheme (FSCS), so any money you keep will be fully protected, up to £85,000

Currensea
Mobile App Bank Account Currensea
Monthly Account Fee £0
Account Type Mobile Bank Account
Features Spend abroad without hidden costs

Why we like it: Mobile App Bank Account. Spend abroad without worrying about expensive rates and hidden costs. All currencies supported. An easy to set up debit card. Link directly with your existing bank account. Spend from your bank account, just with a different card. No need for separate accounts and inconvenient top-ups. Automatically save over 85% on bank charges anywhere in the world. Off-set your carbon footprint with our One Tree Planted partnership. Every $100 spent through Currensea could plant three trees. Get your card in minutes. Latest bank security and encryption technology. Mastercard chargeback protection for all your purchases. Currensea is authorised by the Financial Conduct Authority need for separate accounts and inconvenient top-ups. Automatically save over 85% on bank charges anywhere in the world. Off-set your carbon footprint with our One Tree Planted partnership. Every $100 spent through Currensea could plant three trees. Get your card in minutes. Latest bank security and encryption technology. Mastercard chargeback protection for all your purchases. Currensea is authorised by the Financial Conduct Authority

Bunq
Mobile App Bank Account Bunq
Maximum Monthly Fee £7
Account Type Mobile Bank Account
Features Manage Accouunt in real time

Why we like it: Manage your money with easy budgeting, easy savings, insights and balance prediction. Stay in total control with instant notifications, real time controls and much more, right from the app. Get paid easily with bunq.me, simple bill-splitting, and instant requests. Option to set up Auto Save and every payment you make will be rounded up to the next nearest Euro, saving the difference. Apple Pay and Google Pay supported. Mastercard included, sign up in 5 minutes – you only need your phone, address and ID. Experience total safety by blocking cards, changing PINs or adjusting limits in real time, and any card setting you change takes effect instantly. Send money across the world at the real exchange rate saving up to 3%. Send or receive money in 39 supported currencies. Up to 10 monthly withdrawals are included in your membership, home or abroad

Monese
Multi-Currency Mobile App Bank Account Monese
Maximum Monthly Fee £14.95
Account Type Mobile Bank Account
Features Fast Free Payments to 31 countries

Why we like it: Open a GBP and EUR current account using your mobile in minutes, with no credit checks and no proof of address required. Track your account activity in real-time, get an overview of your monthly outgoings, set budgets and set your savings aside from your day-to-day spending. Get instant updates on your mobile whenever you receive or spend money. Add money to your account instantly by debit card or bank transfer. Spend on your Monese card and make ATM withdrawals worldwide with fee-free allowances and money-saving exchange rates. Send money to your contacts and request payments from them. You can also save when you transfer money abroad at the wholesale currency exchange rate. Transfers between Monese accounts are also free and instant. You can use your Monese app in any one of 12 languages

Cardonebanking
Mobile App Bank Account CardOneBanking
Maximum Monthly Fee £12.5
Account Type Mobile Bank Account
Features Current Account Open to Everybody

Why we like it: A CardOneBanking current account is perfect if you want to stay in control - Online, text and phone account access. UK call centre. Free text alerts each time money is paid in. Free text alerts if bills cannot be paid. No credit checks to open

Revolut
Mobile App Bank Account Revolut
Maximum Monthly Fee £12.99
Account Type Mobile Bank Account
Features Set Up & Manage Current Account From Your Phone

Why we like it: Open a current account in minutes direct from your phone and receive bank card. Set budgets, get instant spending notifications, and see weekly insights to keep your spending on track. Earn rewards on travel, retail, restaurants and more. Spend abroad in over 150 currencies at the Real (interbank) exchange rates with no hidden fees. Transfer money abroad in 30+ currencies with the interbank exchange rate, with a small 0.5% fee for anything above £1,000 each month. Get paid up to 0.40% AER interest on your GBP funds. No minimum amounts. Deposit and withdraw your money whenever you want. 7x better than the banks at stopping card fraud. 0.5% fee for any international spending or transfers above £5,000 each month. 2% fee for international ATM withdrawals of more than £200 per month. Monthly fee of £0, £2.99, £6.99 or £12.99 depending on account features

Mobile App Bank Accounts

There's now a wave of banking and savings apps which give you instant money transfers to UK and Worldwide accounts, and a helping hand with budgeting, saving and managing your cash in a way traditional banks don't

Digital banking is on the up – almost 22 million people regularly used a banking app in 2017, according to trade body UK Finance, with 174 app logins every second.

While the purely app-based banks don't have a high-street presence, most have in-app customer support, with dedicated teams on hand to offer assistance if you've any questions or issues.

Switching To Mobile App Banking

Making a switch to a new mobile bank account can be frightening. You want to make sure your money is protected, and this is your number one priority.

You’ve got a lot of options, and one which has really gotten more popular over the years is the concept of mobile app bank accounts.

These are bank accounts which can be accessed by mobile apps, and they all offer something a bit different, so it is worth taking a look at what’s on offer. Let’s see if we can help by summarising some of the best ones.

Starling Bank

 The first bank that we’ll be talking about is Starling.

With a setup that takes minutes, and no paperwork, branch visits or monthly costs, this is a good one. Sending money abroad is quick and easy, there are no fees for spending or withdrawals internationally, and you can access a real-time payment notification system to see what’s been spent.

Plus, the current account is free to use, and gives you access to a three- month interest-free period for the first £500 on your arranged overdraft.  

 Currensea

The second bank on the list is Currensea.

This is a mobile app account which allows you to get abroad and spend money without any hidden transaction costs or expensive rates.

The debit card is easy to set up and the mobile app can be linked directly with your card.

You also can save up to 85% of all bank charges regardless of where you are, for ease of spending.

Your card can also be with you in minutes thanks to the efficient systems in place. This might be a bit different, but it is a definite step up from traditional banks.

Bunq

This next provider is one which has gone out of their way to make sure money is protected.

They have instant notifications and controls available from the app so you always know what’s going on.

You can save money thanks to the system rounding up to the nearest Euro, and you can utilise Apple and Google Pay in your everyday life.

To further improve security, this bank account lets you adjust limits, block cards and change your pin in real time, with instantaneous changes.

Monese

Next up we’ve got Monese.

This provider offers you the ability to open up GBP and EUR current accounts.

You can track all of your account activity at a real-time rate, and see your monthly outgoings in an overview section. You’ve also got access to the ability to set budgets and savings, get instant updates on your money, and transfer anywhere instantly via debit card or bank transfer.

CardOneBanking

2nd to last is a card one banking current account.

This has online, phone access, and tax access. There are free alerts every time money is paid in, free alerts if bills can’t be paid on time, and all the usual bells and whistles for digital banking.

Revolut

The last option on the list is Revolut.

This fantastic choice let’s you open a current account from your phone in minutes. It’s great for all manner of digital banking. Stay up to date with spending notifications and withdraw up to £200 each month for free.

 

 

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Simplysavingsaccounts.co.uk is a trading style of Fair Investment Company Ltd.

We've been comparing savings and current accounts for many years so you can trust you're in good hands.