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🇪🇺 Online Banks in Europe

UK and EU neobanks with full banking licenses and AI-powered features.

The London skyline under grey cloud, the Shard rising above the surrounding rooftops.

N26

Germany (EU-wide) · Est. 2013

FREE TIER

German neobank holding a full EU banking licence, with SEPA instant transfers, Spaces sub-accounts and a Metal tier aimed at travellers.

CryptoYes
Fees & ratesSee provider
AI features
AI spending categorizationSmart sub-accounts (Spaces)Predictive salary detection
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site

Monzo

United Kingdom · Est. 2015

FREE TIER

UK bank known for instant spending notifications, Salary Sorter for splitting income on payday, and Pots for goal-based saving.

CryptoNo
Fees & ratesSee provider
AI features
AI spending insightsSmart salary sorterPredictive bill tracking
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site

bunq

Netherlands (EU) · Est. 2012

FREE TIER

Dutch bank with a sustainability angle: tree planting tied to card spending, CO2 tracking, sub-accounts and dual-IBAN support.

CryptoNo
Fees & ratesSee provider
AI features
AI CO2 trackingSmart savings automationAI categorization
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site

Starling Bank

United Kingdom · Est. 2014

FREE TIER

UK digital bank with a full banking licence, an integrations marketplace, and personal, joint and business accounts in one app.

CryptoNo
Fees & ratesSee provider
AI features
AI spending insightsSmart saving goalsPredictive balance tracking
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site

Klarna

Sweden (Global) · Est. 2005

FREE TIER

Buy-now-pay-later provider expanding into a broader shopping, payments and banking app. Deferred payment is credit — check the terms.

CryptoNo
Fees & ratesSee provider
AI features
AI shopping assistantSmart payment schedulingPersonalized deal finder
Fees, rates and eligibility vary by country — check on the provider’s site.Visit site

Weighing a challenger against a legacy bank? Traditional vs digital banks in Europe covers what each model is actually better at.