Best Neobanks in Europe 2026

The most feature-rich neobank globally — combining banking, investing (stocks, crypto, commodities), and travel perks in a single app, with the widest currency support (120+) and 65M+ customers

• ✓ Multi-currency accounts in 36+ currencies at interbank rates
• ✓ Spending and ATM withdrawals in 120+ currencies
• ✓ Stock, ETF, and fractional share trading (4,000+ instruments)
• ✓ 280+ cryptocurrencies trading

Full German banking license (BaFin) combined with a sleek mobile-only experience; one of the first fully licensed EU neobanks with €100,000 German deposit protection

• ✓ Real-time spending notifications and categorization (Insights)
• ✓ Spaces sub-accounts for savings goals
• ✓ SEPA Instant transfers
• ✓ Interest-bearing savings (2% p.a. on Metal)

Europe's second-largest neobank by deposits (€8B+) with the most granular IBAN-per-sub-account architecture; first new fully licensed bank in the Netherlands in 38 years; strong sustainability angle

• ✓ Up to 25 sub-accounts with individual IBANs
• ✓ Multi-currency holdings in 22+ currencies
• ✓ Joint accounts and shared expense splitting
• ✓ AI-powered budgeting (Finn AI assistant)

The global benchmark for transparent, low-cost international transfers — always at the real exchange rate with no hidden markups; 4.3/5 Trustpilot from 220K+ reviews confirms industry-leading trust

• ✓ Hold and convert 40+ currencies at real mid-market exchange rate
• ✓ Local bank account details in 9 currencies (EUR, GBP, USD, AUD, NZD, CAD, SGD, HUF, RON)
• ✓ International Mastercard debit card — spend in local currency at no markup
• ✓ Send money to 160+ countries, starting from 0.43% fee

All-in-one banking + investing + crypto + cashback rewards super-app; unique multi-IBAN Pockets model allowing country-specific IBANs within a single account

• ✓ Multi-IBAN Pockets (up to 15) with German, Spanish, or Italian IBANs
• ✓ Fractional investing in 3,000+ stocks and ETFs from €1
• ✓ 300+ cryptocurrencies trading
• ✓ Up to 25% cashback with partner brands (Spotify, Starbucks, etc.)

The leading B2B-only European neobank purpose-built for SMEs and freelancers — deep accounting integrations and team finance workflows, not a retail consumer play; 600,000+ business customers

• ✓ Local IBAN business account with instant SEPA and SWIFT transfers
• ✓ Physical and virtual Mastercard cards per team member
• ✓ Multi-user access with role-based permissions
• ✓ Integrated invoicing and payment collection

The lowest-cost investing platform in Europe with a full banking account — €1 flat fee per trade and 2% interest on cash make it the go-to for cost-conscious long-term investors; 8M+ users

• ✓ €1 flat fee per trade for stocks, ETFs, bonds, derivatives, and crypto
• ✓ Free recurring savings plans (no per-trade fee)
• ✓ 2% p.a. interest on uninvested cash (up to €50,000, ECB-linked)
• ✓ Current account and debit card (launched December 2024)

Best-in-class UX and human customer support; community-driven product development; first fully ECB/CBI-licensed digital bank in Ireland; reported first full pre-tax profit (£114M FY2026)

• ✓ Pots (sub-accounts) for saving goals and bills ring-fencing
• ✓ Instant spending notifications and categorization
• ✓ Salary sorter for automatic bill and savings allocation
• ✓ Shared expenses / joint accounts

The leading Nordic neobank with a full Danish banking license — serves 1M+ personal customers and 40,000 businesses across Denmark, Sweden, and Norway; deepest Nordic market penetration of any digital-only bank

• ✓ Full current account with Visa debit card
• ✓ Automatic savings and round-up savings rules
• ✓ Budgeting by category
• ✓ Joint accounts

Profitable UK neobank (IPO-ready) with a full UK banking license, real lending products, and a BaaS technology platform (Engine) expanding into Europe — bridges UK and EU financial infrastructure

• ✓ Free UK current account with no monthly fee
• ✓ Business euro account with own IBAN for SEPA payments
• ✓ Instant spending notifications and auto-categorization
• ✓ Spaces (savings pots) with interest