Neobanks are app-first banks and payment accounts that swap a branch for a card, a phone and a fee table.
This guide ranks smaller, independent providers first and weighs four things: what the monthly plans cost, which charges bite abroad and at cash machines, how deposits are protected, and which legal entity truly holds the account.
Vendors can pay for more visibility on this website, for example a higher place in a ranking or more room on a page. Commercial relationships can also affect which products we feature and how prominently. Every vendor link is marked the same, whatever the arrangement behind it. How that works.
In short
What neobanks software does
A neobank offers current accounts and debit cards through a mobile app, often with sub-accounts, savings pots and paid tiers, holding deposits under its own or a partner's licence.
In this order: setup effort, what it really costs, how your data comes back out, whether you can leave, and who each neobanks tool is built for. Smaller challengers are placed in the top three wherever the category has them; the well-known brands come after. Our how we work page explains the choice of these five and why we give no mark out of ten.
German account with sub-accounts, tiered plans and cash withdrawals priced per plan
Ranked #1 of 11 in Best Neobanks in 2026.
Published pricingEurope
Tomorrow earns first place by showing its whole ladder in one place. Now costs nothing for qualifying users, Change costs EUR 8.90 a month with five withdrawals and six sub-accounts, and Plus costs EUR 17.90 with unlimited withdrawals.
The catch is the 2% charge on non-euro card payments in the entry plan, and the partner-bank structure: deposits sit with Solaris SE, authorised and supervised by BaFin, under the German deposit guarantee scheme.
What stands out
Sub-accounts
Interest-bearing sub-account
Cash withdrawals by plan
Where it costs you
Cash use forces an upgrade, because the entry plan allows one withdrawal a month and the unlimited tier costs EUR 17.90.
The account is held at Solaris SE, so Tomorrow is a front end to a partner bank.
Right for
Euro account holders who want sub-accounts and a plan ladder with every price visible
Wrong for
Frequent travellers paying in non-euro currencies or withdrawing cash often
GermanyThree plans with prices published on the site; the lowest one is waived for young customers and regular salary receivers
German bank with its own banking licence and three cashback tiers
Ranked #2 of 11 in Best Neobanks in 2026.
Published pricingEurope
C24 separates its tiers by counts rather than by features. Smart gives four free Pockets, one virtual card and four withdrawals; Plus and Max give twenty of each plus one free deposit a month.
Max adds a metal Mastercard and 1% cashback up to EUR 24 monthly. The difference between Plus and Max is therefore mostly the card and a doubled cashback cap, which is worth checking against your own monthly spending before paying EUR 4 more.
What stands out
Cashback by tier
Pockets
Virtual cards
Where it costs you
Cashback on the entry tier is only 0.05%, so the reward arrives with the paid tiers.
The 1% interest claim carries no stated balance limit or conditions on the page read.
Right for
Germans wanting a licensed bank with Pockets and a cashback ladder priced in advance
Wrong for
Savers expecting a stated rate with conditions and balance caps explained
GermanyThree tiers with prices published, the entry tier at no monthly charge and cashback rising by tier
Four-tier euro account whose prices and ATM allowances are listed in full
Ranked #3 of 11 in Best Neobanks in 2026.
Free tierPublished pricingEurope
N26 is a ladder: Standard at no charge, Smart at EUR 4.90, Go at EUR 9.90 and Metal at EUR 16.90 a month. Each step adds ATM withdrawals, from two to eight, and trades, from EUR 0.90 each to ten a month at the top.
Go also waives non-euro ATM charges. Costs follow usage closely, which is fair, though the savings rate quoted per tier is contradicted by a footnote on the same page.
What stands out
Metal card tier
Spaces
Stock and ETF trades
Where it costs you
Standard bills the physical card separately and adds 1.7% outside the eurozone, so travel pushes users upward.
Two conflicting savings-rate tables sit on the pricing page, which makes the return unclear.
Right for
Euro-area users who want a licensed bank plus a tier they can grow into
Wrong for
Savers who need one unambiguous interest rate before opening an account
GermanyA free plan plus three paid tiers with prices published; trading and card charges are listed per tier
UK bank pairing a current account with flexible savings pots
Ranked #4 of 11 in Best Neobanks in 2026.
Pricing on requestEurope
The Biscuit account is built around a single decision: cashback or extra interest on the balance. That keeps the offer simple. The company is incorporated in England and Wales with a Canary Wharf address.
What the pages read leave out is every number: no fee amounts, no rates, which makes comparison with rivals impossible until you read the product pages themselves.
What stands out
Cashback or extra interest
Smart Saver pots
FSCS cover
Where it costs you
No savings rates appear on the page read, so the headline Smart Saver return is unverified.
The account asks you to pick cashback or extra interest, so the reward is a trade-off.
Right for
UK customers who prefer picking one reward rather than climbing a paid tier
Wrong for
Buyers who must compare rates and fees before they open anything
United KingdomNo monthly charge described for the Biscuit current account; savings rates and further fees absent from the homepage text
UK bank with a no-monthly-fee business account and fixed savers
Ranked #5 of 11 in Best Neobanks in 2026.
Pricing on requestEurope
Starling spreads across three audiences on one homepage: a business current account, a children's debit card and several savings products.
Rates listed are 4.20% AER on the Fixed Saver, 4.00% on the Easy Saver with a bonus of 1.25% for six months on balances up to GBP 25k, and 2.75% on the Flexible Cash ISA. Because the bonus fades, compare the standing rate, not the headline, and read the personal limits yourself.
What stands out
Business account
Fixed Saver
Kids debit card
Where it costs you
The pricing page returned 403, so personal fees and spending limits cannot be checked.
Easy Saver rates include a six-month bonus, which ends and lowers the return afterwards.
Right for
UK sole traders and families wanting business, savings and child cards together
Wrong for
Anyone who needs written personal-account fees and limits before applying
United KingdomBusiness account listed with no monthly fees; personal fees and spending limits did not appear in the text read
UK app bank with paid upgrades and a documented cancellation fee
Ranked #6 of 11 in Best Neobanks in 2026.
Published pricingEurope
Monzo's evidence is mixed. A fees page gives exact terms for Plus: GBP 6 monthly, a three-month minimum, GBP 5 to leave early, nothing after. The same page declares Plus and Premium withdrawn, while the navigation advertises upgrades from GBP 3.
For a buyer, that means the cost of paying for more than the base account cannot be settled from the pages read, though the legal entity is clear.
What stands out
Plus upgrade
Minimum term
Registered UK bank
Where it costs you
The help page contradicts itself on whether Plus can still be bought, which makes planning hard.
Pricing page returned 404, so only a navigation line quoting upgrades from GBP 3 a month could be read.
Right for
UK customers comfortable reading help pages to find which upgrade is on sale
Wrong for
Buyers who want one current price list instead of withdrawn plans
United KingdomPaid upgrade terms published in help pages, with a minimum term; the base account fee and plan list were not shown on the pages read
Pay-per-use multi-currency balance with a card and no subscription
Ranked #7 of 11 in Best Neobanks in 2026.
Published pricingElsewhere
For a neobank shopper, Wise reverses the usual structure: there are no tiers, only a price list. Holding money, registering and card payments cost nothing, while ATM use above a monthly allowance and incoming wires do.
Fees from 0.24% on conversions suit people who send abroad often. The limitation is the product category, since interest at 0.26% and stocks from 0.59% a year are add-ons to a payment account, not a bank's core deposits.
What stands out
Multi-currency balance
Local receiving details
Interest and stocks
Where it costs you
Receiving SWIFT payments carries a fixed fee each, such as EUR 2.39 for euro payments.
Interest starts from 0.26% a year, which trails the savings rates banks advertise.
Right for
Travellers and freelancers who move money across currencies and want no monthly plan
Wrong for
Savers chasing high interest or people wanting a full bank
Not stated by the vendorNo subscription or plans; per-transaction fees published, with conversion and sending from a small percentage
This entry is deliberately modest. The evidence is limited to the legal entity, a Berlin address and a Spanish branch at Velazquez 50 in Madrid.
Everything a neobank buyer weighs, from plan prices to trading charges, sat in pages that displayed only navigation or in a PDF that returned no text. The sensible step is to open the fee information document yourself and confirm the numbers before moving a salary across.
What stands out
Spanish branch
Payment account
Linked fee PDF
Where it costs you
No monthly price could be read, so the real cost cannot be compared with rivals here.
The fee PDF would not load as text, leaving trading and account charges unchecked.
Right for
Readers in Germany or Spain who will read the fee PDF themselves
Wrong for
Buyers who need confirmed prices on a web page before deciding
GermanySubscription plans and fee tables not displayed on the pricing pages read; a fee PDF is linked from the site
Spanish bank with zero account and card fees, part of Grupo Santander
Ranked #9 of 11 in Best Neobanks in 2026.
Published pricingEurope
Openbank is a neobank in format and a bank group in ownership, which is why it ranks in the lower half. Its account and card charge nothing to the primary holder, and Bizum and transfers carry no commission, though currency conversion on transfers may cost something.
Travel+ at EUR 4.99, refunded within 30 days, covers foreign purchases and two foreign ATM withdrawals monthly. Savings rates of 3.25% TAE run for the first year and need Bizum or income.
What stands out
Travel+ add-on
Bizum
Remunerated account
Where it costs you
The account belongs to Grupo Santander, so it is not an independent challenger.
Free cash withdrawals cover Santander and Euro Automatic Cash ATMs in Spain only.
Right for
Spain-based customers wanting a no-fee account backed by an established group
Wrong for
Buyers who put independence from large banking groups first
SpainAccount and debit card without fixed charges for the main holder; Travel+ add-on with a published activation price
UK current account from J.P. Morgan Europe with capped cashback
Ranked #10 of 11 in Best Neobanks in 2026.
Pricing on requestEurope
Chase's offer is simple to state: a current account described as free, 2% back on everyday spending to a GBP 20 monthly cap, and three saver options. Everything else needs more reading.
Eligibility rules govern the cashback, savers require the current account, and no rate or minimum deposit appears. The company address in Canary Wharf and registration in England and Wales are clear, but the entity is J.P. Morgan Europe Limited, not an independent.
What stands out
2% cashback
Chase Saver
Regular Saver
Where it costs you
Cashback is capped at GBP 20 a month and carries eligibility rules.
Savers cannot be opened without a Chase current account, which ties the products together.
Right for
UK residents who value cashback and accept a J.P. Morgan owner
Wrong for
Buyers prioritising independent ownership or published saver rates
United KingdomCurrent account with no fee amount stated; cashback capped and saver rates not shown on the page read
Self-custody wallet with a card issued on Wirex infrastructure and stated limits
Ranked #11 of 11 in Best Neobanks in 2026.
Pricing on requestEurope
Nuri sits last because it is a different thing from the banks above it. The page describes a self-custody wallet where funds stay at the holder's own address and are not held by Wirex, which provides the infrastructure the card is issued on.
That changes the risk: no deposit guarantee appears on the page read, and limits are set in GBP, such as 500 a day at ATMs. It suits people who want control, not a bank account.
What stands out
Self-custody wallet
Wirex-issued card
Stated card limits
Where it costs you
The FX margin on card payments has no stated figure, so conversion costs are unknown.
A lost chargeback dispute costs USD 25, which sits on top of any purchase loss.
Right for
Readers who want to spend from a wallet they control through a card
Wrong for
Savers wanting deposit protection or a bank licence behind the account
EstoniaNo swap, card or ATM fees stated; FX margin on card payments without a figure; no plan prices shown
A neobank offers current accounts and debit cards through a mobile app, often with sub-accounts, savings pots and paid tiers, holding deposits under its own or a partner's licence. Differences that change the outcome seldom sit in the features. Here is the sequence we would follow.
01
Decide whether you need a published price
Prices are public at 6 products (Tomorrow, C24 Bank, N26, Monzo, Wise, Openbank) and on request at the remaining 5, so budget time for quotes if your favourite is in that second group.
02
Decide how much the jurisdiction matters
Check the vendor's home market (Europe 10, Elsewhere 1), because that is where subpoenas and data requests arrive first, whatever region holds your files.
How to choose between Tomorrow, C24 Bank and N26 on plan prices
Three of the euro providers here publish a full ladder, and the ladders are not interchangeable. Tomorrow starts at zero for young customers or salary receivers, then EUR 8.90 and EUR 17.90. C24 Bank asks EUR 0, EUR 5.90 and EUR 9.90, and N26 asks EUR 0, EUR 4.90, EUR 9.90 and EUR 16.90. What differs is the unit each tier raises: withdrawals at Tomorrow, cashback at C24 Bank, ATM allowances and trades at N26.
Write down how many cash withdrawals, foreign payments and trades you make in a typical month, then count how many each tier covers. The cheapest tier on the page is rarely the cheapest for your pattern, because one extra withdrawal or one non-euro payment can make the next tier cheaper overall.
Count your monthly cash withdrawals against each tier's allowance
List your non-euro payments and note the foreign fee percentage
Check whether a paid tier's extras are ones you will actually use
Who holds the money: licence, partner bank and group owner
A neobank can be a bank, a front end for another bank or a payment institution, and each carries different protection. C24 Bank GmbH states a German banking licence, and N26 Bank SE, Zopa Bank Limited and Starling Bank Limited are named bank entities. Tomorrow provides accounts through Solaris SE, so the regulated bank is a partner.
Wise Payments Limited is authorised to issue electronic money, which is a payment account, not a deposit bank. Openbank belongs to Grupo Santander and Chase UK trades as J.P. Morgan Europe Limited. Read the legal footer first, then find the deposit guarantee named for the entity: FSCS up to GBP 120,000 appears on Starling Bank, EUR 100,000 on Openbank. If the page names neither, ask before moving a salary.
Find the legal entity name in the footer and compare it with the brand
Look for the named deposit guarantee scheme and its limit
Check whether the card or account runs on a partner such as Solaris SE
Reading savings rates at Openbank, Starling Bank and N26
Advertised interest is the easiest number in this market to misread. Openbank quotes 3.25% TAE on its remunerated account, but only for the first year and with Bizum. Starling Bank adds a fixed 1.25% AER bonus for six months to its 4.00% Easy Saver, on balances up to GBP 25k.
N26 shows two sets of rates on one page, 0.25% to 1.5% in the table and different figures in a footnote dated 2025. Wise lists interest from 0.26% a year, while Zopa Bank and Chase UK name products without rates. Always find the rate that applies after any introductory period, the balance cap, and whether a condition such as payroll, Bizum or a paid tier must be met to keep it.
Ask what rate applies after the bonus or first-year period ends
Check the maximum balance on which the rate is paid
Note whether income, Bizum or a paid tier is a condition
Abroad, ATMs and the fees that sit outside the plan price
The monthly fee is only part of the bill. N26 Standard charges 1.7% outside the eurozone and EUR 10 for a physical card, while Go waives non-euro ATM charges. Tomorrow's entry plan adds 2% on non-euro card payments and withdrawals. Wise has no plan at all, but charges 2.69% on ATM withdrawals beyond GBP 250 a month and GBP 7 for the card, and its incoming wires cost a fixed amount per payment.
Openbank's Travel+ costs EUR 4.99 to activate and then covers foreign purchases. Nuri states an FX margin on card payments but no figure. Compare the cost of your usual trip or transfer across two or three providers, not the headline plan.
Total the foreign payment fee for your last three trips
Check ATM allowances in the eurozone and outside it
Look for fixed fees on incoming international payments
What goes wrong most often when buying neobanks software
Choosing a neobank for its cashback headline without reading the monthly cap, as with Chase UK's monthly ceiling.
Treating a savings rate as permanent when the page says it lasts six months or one year.
Assuming every neobank is a licensed bank when some, such as Wise and Nuri, are payment or wallet products.
Judging a provider by an old review while plans have been withdrawn, as Monzo's help page shows for Plus and Premium.
07
Frequently asked questions
6 answers
What is the best neobanks in 2026?
Our ranking of 11 puts Tomorrow first. Tomorrow publishes three plans. Its starter plan is waived for under-21s or for accounts receiving EUR 500 a month, and allows one cash withdrawal a month plus a 2% fee on non-euro card payments.
The account itself is provided by Solaris SE, so the bank behind it is a partner rather than Tomorrow. Anyone who withdraws cash often must move up to a paid plan.
Which neobanks tools publish their pricing?
6 out of 11 state a price model on their own site:
Tomorrow: Three plans with prices published on the site; the lowest one is waived for young customers and regular salary receivers.
C24 Bank: Three tiers with prices published, the entry tier at no monthly charge and cashback rising by tier.
N26: A free plan plus three paid tiers with prices published; trading and card charges are listed per tier.
Monzo: Paid upgrade terms published in help pages, with a minimum term; the base account fee and plan list were not shown on the pages read.
Wise: No subscription or plans; per-transaction fees published, with conversion and sending from a small percentage.
Openbank: Account and debit card without fixed charges for the main holder; Travel+ add-on with a published activation price.
The other 5 quote per organisation.
Is there a free neobanks tool?
N26 come with a no-cost entry point, a free plan or a self-hosted edition.
Where are these neobanks vendors established?
In 5 countries across 2 regions: Europe 10, Elsewhere 1.
Tomorrow: Germany.
C24 Bank: Germany.
N26: Germany.
Zopa Bank: United Kingdom.
Starling Bank: United Kingdom.
Monzo: United Kingdom.
Wise: Not stated by the vendor.
Trade Republic: Germany.
Openbank: Spain.
Chase UK: United Kingdom.
Nuri: Estonia.
What should you use instead of Tomorrow?
Look at C24 Bank (made for Germans wanting a licensed bank with Pockets and a cashback ladder priced in advance) and N26 (made for Euro-area users who want a licensed bank plus a tier they can grow into), which hold places two and three.
Who should not buy Tomorrow?
Frequent travellers paying in non-euro currencies or withdrawing cash often. Cash use forces an upgrade, because the entry plan allows one withdrawal a month and the unlimited tier costs EUR 17.90..
Vendors who think their neobanks product should be here can tell us about it: what it does, who it is for. The call is ours, and software advice sets out what being listed means.
