🇪🇺 Online Banks in Europe
UK and EU neobanks with full banking licenses and AI-powered features.
N26
Germany (EU-wide) · Est. 2013
German neobank holding a full EU banking licence, with SEPA instant transfers, Spaces sub-accounts and a Metal tier aimed at travellers.
Monzo
United Kingdom · Est. 2015
UK bank known for instant spending notifications, Salary Sorter for splitting income on payday, and Pots for goal-based saving.
bunq
Netherlands (EU) · Est. 2012
Dutch bank with a sustainability angle: tree planting tied to card spending, CO2 tracking, sub-accounts and dual-IBAN support.
Starling Bank
United Kingdom · Est. 2014
UK digital bank with a full banking licence, an integrations marketplace, and personal, joint and business accounts in one app.
Klarna
Sweden (Global) · Est. 2005
Buy-now-pay-later provider expanding into a broader shopping, payments and banking app. Deferred payment is credit — check the terms.
Weighing a challenger against a legacy bank? Traditional vs digital banks in Europe covers what each model is actually better at.