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Bunq

Monzo

N26

Max 3 platforms

	BunqDutch digital bank operating across 8 European countriesOpen account View full review	Monzo4.0Leading UK digital bank with spending insights, savings pots, investments, and ISAs — all from a mobile-first appOpen account View full review	N264.0Europe's leading mobile-first bank with free and premium plans across 24 markets — simple, beautiful bankingOpen account View full review
Overview
Category	banking	banking	banking
Difficulty		beginner	beginner
Founded	2012	2015	2013
Headquarters	Netherlands	United Kingdom	Germany
Best for
Ratings
Overall		4.0	4.0
Fees		4.0	4.0
Platform		4.5	4.5
Safety		4.0	4.0
Product range		3.0	3.5
Fees & costs
Stock trading
ETF trading
Crypto trading
Currency conversion
Inactivity fee
Withdrawal fee
Custody fee
Deposit fee
Minimum deposit	—	—	—
Available products
Stocks
ETFs
Bonds
Options
Futures
Crypto
CFDs
Forex
Funds
Platform & features
Web platform
Mobile app
Desktop app
API access
Fractional shares
Savings plan
Demo account
Copy trading
Cash interest
Regulation & safety
Primary regulator	DNB (De Nederlandsche Bank)	FCA	BaFin
Investor protection	—	€85,000	—
MiFID passported
Availability
Available in English
Languages	6 languages	1 languages	7 languages
Countries	8	2	16
Pros & cons
Pros		Excellent mobile app with real-time spending insights and budgeting FSCS protected up to £85,000 Which? Recommended Provider for current accounts	Beautiful mobile-first banking available across 24 European markets Free tier with virtual debit card and basic banking BaFin regulated with €100,000 deposit guarantee
Cons		UK-only — not available across Europe Investment features still relatively new Limited product range compared to full-service brokers	No branch network — fully digital only Premium plans needed for most features (insurance, withdrawals) Customer support can be slow during peak times
	Open account	Open account	Open account

Quick verdict

Best fees

Monzo, N26

Safest

Monzo, N26

Most products

Monzo

Best platform

Monzo, N26

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