NNatWest

Short answer: the UK online banks I’d actually shortlist

If you’re in the UK and want a proper app-based current account, I’d start with these:

1. Monzo Current Account — best overall app experience and budgeting tools
2. Starling Bank Current Account — best “serious main bank” app-only option
3. Chase Current Account — best for cashback/perks and a strong second account
4. Revolut — best for travel, FX and multi-currency use; check FSCS status in-app
5. Kroo Current Account — best niche pick if you want interest paid on your current-account balance
6. first direct 1st Account / Nationwide FlexDirect — not pure app-only, but excellent online-friendly alternatives with stronger “traditional bank” support

UK-authorised banks are protected by the FSCS up to £120,000 per eligible person, per authorised firm; always check shared banking licences if you keep large balances. (protected.fscs.org.uk)

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My recommendations

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1. Monzo — best overall for most people

Choose Monzo if you want the best everyday banking app. It’s the one I’d recommend first for someone who wants an online bank that lots of people actually use.

Monzo reported 15.2 million total customers, 10.4 million monthly active users, and says 49% of monthly active users use Monzo as a primary bank in its 2026 annual report. (monzo.com) It also ranked 1st for overall service quality in the August 2026 independent personal current account survey for Great Britain, with strong online/mobile scores. (monzo.com)

Best for: salary account, budgeting, spending pots, shared tabs, notifications, subscriptions, easy app experience.
Downsides: not ideal if you often pay in cash or want branch service; some premium features sit behind paid tiers.

Product to look at: Monzo Current Account — free tier first; consider paid tiers only if you’ll actually use the benefits.

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2. Starling Bank — best “proper main bank” app-only choice

Choose Starling if you want a cleaner, more bank-like digital account. It’s less flashy than Monzo, but many UK users like it as a stable main current account.

Starling says it now powers over six million accounts worldwide and estimates 34.5% primary relationships among users; it also highlights strong current-account and savings-account promoter scores. (starlingbank.com) In the August 2026 service-quality data, Starling ranked 2nd for overall service quality in Great Britain and 3rd for online/mobile banking behind Monzo/HSBC. (monzo.com)

Best for: main current account, joint accounts, business banking, spending insights, overseas card use, cash deposits via Post Office.
Downsides: fewer flashy rewards than Chase; fewer “marketplace”/lifestyle features than Monzo or Revolut.

Product to look at: Starling Personal Current Account.

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3. Chase UK — best for cashback and as a second spending account

Choose Chase if you want rewards and a strong spending account. It’s especially good as a second account: keep your main banking elsewhere, then use Chase for day-to-day card spending.

J.P. Morgan reported that Chase UK had more than 2.5 million customers and customer balances exceeding £25 billion by year-end 2025. (jpmorganchaseco.gcs-web.com) MoneySavingExpert lists Chase among the top app-based bank accounts, noting cashback on eligible supermarket, transport and dining spending, round-ups and no overseas spending/withdrawal fees, though cashback conditions apply. (moneysavingexpert.com)

Best for: cashback, linked savings, holiday spending, separate spending pots/accounts.
Downsides: no branches, no cash deposits, no overdraft, and cashback rules can change or require qualifying activity.

Product to look at: Chase Current Account.

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4. Revolut — best for travel, FX and multi-currency

Choose Revolut if you travel, exchange currencies, send money internationally or want lots of fintech features. It’s one of the most widely used UK fintech brands.

Revolut announced in March 2026 that it had become a UK bank and that eligible balances moved to Revolut Bank UK Ltd would be FSCS-protected up to £120,000. (revolut.com) However, Revolut’s own help pages say some UK customers may still be on e-money accounts while the bank rollout continues, so check your account status before holding large balances. (help.revolut.com)

Best for: travel, currency exchange, international transfers, virtual cards, paid travel/insurance-style bundles.
Downsides: I’d be more cautious using Revolut as my only UK bank. Which? has raised concerns about fraud complaints and fraud-victim treatment, even while noting Revolut’s UK banking licence was granted in March 2026. (which.co.uk)

Product to look at: Revolut Standard first; paid plans only if the travel/FX/insurance benefits justify the fee.

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5. Kroo — best smaller pick for interest on your current account

Choose Kroo if you want a simple app-based account that pays interest on your balance. It’s not as mainstream as Monzo, Starling, Chase or Revolut, but it’s a credible niche option.

Kroo says its current account has no monthly account fee, pays 2.65% AER variable on current-account balances, and doesn’t add fees for card spending abroad. (kroo.com) Its current account is also covered by the FSCS up to £120,000. (help.kroo.com)

Best for: keeping a modest cash buffer earning interest, simple app banking, fee-free overseas spending.
Downsides: smaller brand, app-only access, less proven as a primary bank than Monzo/Starling/Chase.

Product to look at: Kroo Current Account.

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6. first direct — best online bank if you value customer service

Choose first direct if you want online banking but still like having strong phone support. It’s not a challenger bank in the Monzo/Starling sense — it’s part of HSBC — but it’s one of the UK’s best-known direct banks.

Which? lists first direct as a Recommended Provider with an 84% customer score and five-star ratings for customer service, telephone banking, online banking and mobile app. (which.co.uk)

Best for: customer service, online/phone banking, people who don’t want an app-only fintech.
Downsides: not as modern-feeling as Monzo/Starling; FSCS protection is shared within its HSBC-authorised group.

Product to look at: first direct 1st Account.

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7. Nationwide FlexDirect — best if you want online plus branch backup

Choose Nationwide if you want a strong app/online account but don’t want to give up branch access completely. It isn’t an online-only bank, but it’s popular with UK switchers and has a good reputation.

Nationwide says more people switch to it than anyone else based on Current Account Switch Service data for the 12 months to January 2026, and FlexDirect can be managed online or by phone. (nationwide.co.uk)

Best for: people who want online banking but also branch access, established-brand comfort, switching offers, high-street support.
Downsides: app isn’t as slick as Monzo/Starling; savings/rewards often come with conditions.

Product to look at: Nationwide FlexDirect.

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What I’d personally choose

• One main account: Monzo or Starling
• Best two-account setup: Starling or Monzo for salary/bills + Chase for spending/cashback
• Best travel combo: Starling or Chase + Revolut
• Best cautious setup: Nationwide or first direct as the main account + Monzo/Chase/Revolut as extras
• Best for business/sole trader: Starling or Monzo Business; also compare Mettle if you’re a sole trader or small limited company

If you want the simplest answer: open Monzo if you want the best app, Starling if you want the most bank-like app-only main account, and Chase if you want cashback.

Best Online/Digital Banks in the UK (2026)

If you're in the UK, digital-first banks have become the norm — here are the ones people actually use, based on current market data:

🏆 Top Picks

1. Monzo – The UK's most popular It's the UK's most popular digital bank — smart budgeting, instant notifications, and a feature-packed free account. It's FSCS protected up to £85,000, meaning your money is fully safeguarded, and comes with powerful budgeting pots, salary sorter, and spending categories built-in, plus fee-free international spending and ATM withdrawals up to £200/month. Downsides: no physical branches — support is app and chat-based only, and the best features (e.g. cashback, higher interest) are locked behind Monzo Plus at £5/mo.

2. Starling Bank – Best all-rounder / full current account Starling has repeatedly been named the UK's top digital bank. Starling Bank was crowned Best British Bank for four consecutive years. It's often recommended as the best everyday account because when it comes to all-rounders, they don't come much better than Starling Bank — the challenger bank gives users access to a full UK current account that they can manage directly from the app. A standout feature: unlike the majority of other digital banks, you get interest paid on your balance, as well as access to an overdraft.

3. Revolut – Best for international spending & multi-currency Popular for travel and holding multiple currencies, though its protections differ. It offers disposable virtual cards for safer online shopping and subscriptions, but it's not FSCS protected on the standard plan — funds are held as e-money, not a bank deposit, and there are currency exchange limits and ATM fees on the free plan at weekends. Note that Revolut operates as an e-money institution on its standard plan, meaning funds are safeguarded rather than FSCS protected, though Revolut Bank (available to some users) does carry a banking licence.

4. Chase UK – Strong for cashback and savings Backed by JP Morgan, it's a fully licensed digital bank and one of the "big three" alongside Monzo and Starling in terms of regulatory status — Chase UK is fully authorised and regulated by the FCA and holds a full UK banking licence, meaning deposits up to £85,000 per person are protected by the FSCS.

5. Wise – Best for international transfers & multi-currency holding If you regularly send or spend money abroad, Wise is the standout choice: Wise offers the best overall multi-currency account, perfect for spending abroad and transfers abroad.

🔑 Important Things to Know Before You Choose

• FSCS protection matters: Not all "banks" are equal. Providers like Starling, Monzo, HSBC, NatWest, and Lloyds offer FSCS protection because they are licensed banks, while others like Wise, Revolut, and ANNA operate as e-money institutions, meaning funds are safeguarded but not FSCS-protected.
• Digital banking is now mainstream: by 2023, 87% of the adult UK population were using digital banking services, and this trend is expected to continue.
• Why people switch: the rise of online-only banks has turned the industry on its head — with a mobile-first approach and no overheads from physical branches, these banks offer features traditional banks struggle to match.

My Practical Recommendation

• For a main everyday current account with interest + overdraft → Starling Bank
• **For budgeting tools and day-to

The UK has one of the most mature and competitive digital banking sectors in the world. If you are looking to move away from the traditional high-street giants, you have some truly excellent, fully regulated options.

The "best" online bank for you depends entirely on what you value most—whether that is smart budgeting, fee-free travel, earning cashback, high interest, or talk-to-a-human customer service.

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1. Monzo: Best for Budgeting & Daily Tech

Monzo is arguably the most recognizable digital bank in the UK, famous for its distinctive "hot coral" debit cards.

• The App: Monzo’s app is incredibly clean and intuitive. It categorizes your spending instantly, helping you see exactly where your money goes.
• Standout Features:
  • Pots: You can easily set up "Pots" to separate your savings or "Bill Pots" to automatically pay Direct Debits so you don't accidentally spend your rent money.
  • Get Paid Early: If you get paid via BACS (which most UK employers use), Monzo lets you claim your salary at 4 PM the day before it is officially due.
• Travel: Great for spending abroad with fee-free card transactions, though there are limits on fee-free cash withdrawals (£200 every 30 days on the free tier).
• Protection: Fully licensed UK bank; your money is protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).

2. Starling Bank: Best All-Rounder & Travel Card

Starling Bank is a heavy-hitter that routinely tops customer satisfaction surveys and wins British Bank Awards. It offers a slightly more "mature" banking feel than Monzo while keeping all the digital perks.

• The App: Very robust and reliable. Like Monzo, it features "Saving Spaces" to partition your money.
• Standout Features:
  • No-Fee Travel: Starling does not charge any fees for spending on your card or withdrawing cash at ATMs anywhere in the world (though local ATM operators might have their own fees).
  • Joint & Business Accounts: Starling offers fantastic joint accounts and has one of the best digital business accounts on the market.
• Protection: Fully FSCS protected.

3. Chase UK: Best for Cashback & Savings

Since JP Morgan launched Chase in the UK, it has become incredibly popular due to its aggressive reward schemes.

• The App: Minimalist and secure. Because the physical debit card has no numbers printed on it, it's highly secure if lost or stolen.
• Standout Features:
  • 2% Cashback: Chase offers an impressive 2% cashback on eligible everyday categories (including groceries, dining, takeaways, transport, and fuel) up to £20 a month.
  • Note on qualifying: To get the 2% cashback, you must hold at least £1,000 across your Chase saver accounts and make at least 15 debit card, credit card, or Direct Debit payments in the previous month.
  • Easy Access Savings: Chase regularly updates its linked saver account with highly competitive, market-leading interest rates.
• Travel: Fee-free card spending and cash withdrawals abroad.
• Protection: Fully FSCS protected.

4. First Direct: Best for Customer Service

While not a "neobank" (it is a division of HSBC), First Direct operates entirely online and over the phone with no physical branches. It is legendary for customer loyalty.

• The App: Clean and highly functional, though less "gamified" and flashy than Monzo or Starling.
• Standout Features:
  • 24/7 Human Support: First Direct’s crown jewel is its customer service. If you call, a real human based in the UK answers the phone—often within seconds—without forcing you to deal with an automated bot first.
  • Regular Saver: They typically offer an incredibly high interest rate on their regular saver account.
  • Switching Bonuses: First Direct frequently runs lucrative switching offers (often £175 or more) if you move your main account to them.
• Protection: Fully FSCS protected.

5. Kroo: Best for Interest on Your Everyday Balance

Kroo is a newer, fully licensed digital bank that is great for people who want to earn interest without the hassle of shifting money between their current and savings accounts.

• The App: A simple, modern social banking app designed for splitting bills and tracking expenses with friends.
• Standout Features:
  • Interest on Current Account: Kroo pays a highly competitive tracker interest rate (sitting around 2.65% AER variable) directly on your active current account balance. Most other banks pay 0% on your day-to-day balance.
  • Ethical focus: Kroo brands itself as a "bank with a conscience," matching customer milestones with tree-planting initiatives.
• Travel: Zero fees on card purchases or ATM withdrawals abroad.
• Protection: Fully FSCS protected. (Note: Kroo is one of the few neobanks that does not support the Current Account Switch Service yet, so you have to move your direct debits over manually).

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Alternative: Revolut (Best for Multi-Currency & Globetrotters)

While millions of people in the UK use Revolut as a primary spending tool, it is important to understand its unique position.

• The App: A financial "super-app" where you can hold dozens of currencies, trade fractional shares, buy crypto, purchase travel insurance, and even book airport lounges.
• Travel: It is unmatched for weekday international money transfers and spending in local currencies at highly competitive exchange rates.
• A note on protection: Revolut was granted its UK banking license with restrictions in late 2024. While it works through the transition to operating as a full retail bank, many UK users still treat it as an exceptionally useful secondary card for travel and budgeting rather than the place they deposit their primary salary.

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Ready to make the switch?

If you are moving from a legacy high-street bank, look for accounts that support the Current Account Switch Service (CASS) (like Starling, Monzo, and First Direct).

The service is completely free, guarantees your switch will be completed in 7 working days, and automatically transfers all your Direct Debits, standing orders, and payee details over to your new account.

If you want the best online banks in the UK that people actually use, the safest default pick is usually Starling, with Monzo and Revolut as the next most popular choices for app-first banking. For a fee-free everyday account, Starling is the most consistently recommended all-rounder; for budgeting and spending alerts, Monzo stands out; and for travel and international spending, Revolut is a common pick.

Top brands/products to consider

• Starling Bank — best overall for most UK users, with strong app-based everyday banking and no monthly fee on the main account.
• Monzo — best for budgeting, spending notifications, and “pots” style saving tools.
• Revolut — best if you travel frequently or want strong foreign spending and money transfer features.
• Chase UK — popular for its simple app and cashback offers, and often used as a second everyday account.
• Wise — not a traditional bank in the same sense as Starling/Monzo, but widely used for international transfers and multi-currency spending.

What people actually use these for

• Starling: everyday current account, salary payments, bill paying, and a main “do everything” bank account.
• Monzo: day-to-day spending control, budgeting, and separate saving pots.
• Revolut: travel spending, currency exchange, and international transfers.
• Chase: cashback on spending and a clean, easy-to-use app.
• Wise: holding and sending money in multiple currencies.

Quick recommendation by use case

• Best overall: Starling.
• Best for budgeting: Monzo.
• Best for travel: Revolut.
• Best for cashback: Chase UK.
• Best for multi-currency transfers: Wise.

If you want, I can also give you a “best online bank for your situation” shortlist for things like salary account, joint account, travel, savings, or business use.

The top online (or digital-first/challenger) banks that people in the UK actually use are Monzo, Starling Bank, Revolut, and Chase UK.

These neobanks or app-led providers dominate recent reviews, customer satisfaction surveys, download stats, and awards for 2025–2026. They’re fully mobile/app-based with no (or very limited) branches, quick online sign-up, real-time notifications, budgeting tools, and strong overseas features—unlike many traditional high-street banks.

Monzo

Monzo is currently one of the most popular and widely used, with millions of customers (estimates around 12–15 million) and topping app download charts. It frequently wins customer-voted awards (e.g., Best British bank and Best Current Account in 2026 polls) and scores highly for its intuitive app, pots for budgeting/saving, instant notifications, and savings rates (e.g., around 2.75–3.5% AER on easy-access depending on plan).

• Best for: Everyday banking, budgeting, and younger users.
• Standout perks: Free Standard account, overdrafts available, good savings pots, and solid customer satisfaction (often 85%+ in Which? surveys).
• Drawbacks: Overseas ATM fees can apply after a limit on the free tier.
• It’s FSCS-protected (up to the current limit) as a licensed bank.

Many people use it as their main or primary account.

Starling Bank

Starling is a consistent favourite for customer service and reliability, often ranking at or near the top in Which? and other independent reviews alongside or just behind Monzo. It has a strong reputation for its clean app, fee-free spending and cash withdrawals abroad (Mastercard rate, no markup or fair-use caps on personal accounts), and business offerings.

• Best for: Travel, customer service, and freelancers/small businesses (free business account available).
• Standout perks: Excellent app ratings (4.8–4.9), easy savers with competitive rates (e.g., up to 4% AER with bonuses in some promotions), round-ups, and phone support.
• It’s a fully licensed UK bank with FSCS protection and is praised for treating customers fairly.

Starling is a go-to for those wanting a “proper” bank feel in an app-only package.

Revolut

Revolut excels in digital experience and international features, frequently topping “best for digital” or travel categories in Forbes Advisor and similar roundups. It has a huge UK user base (around 10 million+) and is popular for multi-currency accounts, cheap/fast international transfers/payments, and a wide range of extras (crypto, stocks, insurance on paid plans).

• Best for: Travel, sending money abroad, and all-in-one finance apps.
• Standout perks: Free Standard tier with strong FX rates (fair use limits on free tier), savings vaults, and high app engagement. It gained a full UK banking licence in 2026, bringing FSCS protection.
• Paid plans (Plus/Metal/Ultra) add more perks like higher limits and insurance.

It’s widely used but some prefer it alongside another account for core UK banking.

Chase UK (by JPMorgan)

Chase stands out for rewards and is often recommended as a strong secondary or rewards-focused account.

• Best for: Cashback (typically 1–2% on spending) and boosted savings rates for new customers.
• It offers a straightforward free account with good saver rates and is FSCS-protected.

Other Notable Mentions

• first direct (HSBC-owned): Excellent for phone/online hybrid service and high customer satisfaction scores, though not purely app-only.
• Zopa: Strong for savings and app features in some awards.
• Savings-focused options like Atom Bank appear in rate tables but are narrower.

Quick Tips for Choosing and Switching

These accounts are easy to open via app in minutes (ID verification, etc.). Most offer the Current Account Switch Service for hassle-free switching with guarantees. Check current rates, fees, and FSCS protection on the provider’s site, as they can change. Monzo or Starling are the safest “main account” bets for most people based on usage and reviews; add Revolut or Chase for specific needs like travel or cashback.

Always compare the latest deals yourself, as promotions (e.g., switch bonuses or boosted savings) come and go. If you have specific needs (e.g., business, joint accounts, or high savings), let me know for more tailored suggestions!

Some of the top online banks in the UK for 2026 include Starling Bank, Monzo, Revolut, Chase UK, and Monese, each offering distinct features suited for personal, business, or international banking needs.

Starling Bank

Starling Bank is widely considered the best overall online bank in the UK for personal and business banking MoneyTransfers.com+1. It is a mobile-only bank with no monthly fees and provides features such as:

Interest on account balances and overdraft facilities (up to 15% APR for personal accounts) Spending insights, budgeting tools, and savings spaces within the app Business accounts with invoicing, currency handling, and integration with accounting software like Xero and QuickBooks Compatible with Google Pay, Apple Pay, and other mobile wallets Starling is popular for its user-friendly app, strong customer ratings, and FSCS-protected accounts.

Monzo

Monzo is ideal for budgeting and saving, offering a free current account with additional premium options MoneyTransfers.com. Key features include:

Savings pots and Marketplace accounts to earn attractive interest rates (often over 1%) Automatic rounding-up of transactions for savings No fees for card payments abroad and ATM withdrawals up to £200 Monzo is popular with savers who want easy control of finances via mobile app and comprehensive budgeting features.

Revolut

Revolut is a versatile app-based bank, particularly useful for international use and multi-currency accounts Forbes+1:

Supports spending and holding of multiple currencies, with fee-free currency exchanges Offers optional premium plans with travel perks, insurance, and advanced features Standard accounts are free, but FSCS protection does not apply since it is an e-money institution; funds are safeguarded by separate compliance rules Revolut is ideal for people who travel frequently or manage multiple currencies.

Chase UK

Chase UK accounts are designed for day-to-day banking with cashback and savings benefits Forbes+1:

1–2% cashback on regular spending categories such as groceries, transport, and energy Competitive interest rates on savings pots (e.g., 5% AER on round-up savings) No monthly fees and easy online account management Chase is particularly appealing for those who want rewards and high-interest in-credit balances.

Monese

Monese is well-suited for overseas students or individuals needing basic mobile banking quickly MoneyTransfers.com+1:

Easy sign-up with just ID; no proof of address or credit history required Supports multiple currencies (GBP, EUR, others via app) and international transfers No monthly fees for standard accounts, optional paid plans with premium features Monese is useful for recent arrivals in the UK or expatriates, providing simple online access and basic banking features.

Summary Table of Key Features

Bank | Monthly Fee | Special Feature | FSCS Protection Starling | £0 | Budgeting, savings spaces, business tools | Yes Monzo | £0–£15 | Saving pots, round-ups, budgeting | Yes Revolut | £0–£13 | Multi-currency, travel perks | No (safeguarded) Chase UK | £0 | Cashback, high savings interest | Yes Monese | £0–£15 | Quick setup, international transfers | No

Tips for Choosing an Online Bank

Consider your primary use: personal, savings-focused, business operations, or international transactions. Check whether FSCS protection applies for security of your funds. Compare overdraft, in-credit interest rates, and currency features depending on your lifestyle. Evaluate app functionality, budgeting tools, and ease of customer support interaction.

Overall, Starling and Monzo dominate for personal day-to-day and savings accounts, Revolut excels for multi-currency use, Chase is strong for cashback and interest benefits, and Monese is ideal for newcomers or students needing quick access to UK banking Forbes+2.

The best online banks in the United Kingdom are Starling Bank, Monzo, Chase UK, and Revolut. These app-based platforms completely dominate the UK market in customer satisfaction surveys like Ipsos and Fairer Finance, outperforming traditional high street lenders.

All four main brands offer free everyday current accounts with unique features tailored to specific spending, traveling, or savings goals.

🌟 Top 4 UK Online Banks Compared

Starling Bank Current Account: Best All-Rounder: Completely fee-free for daily use, direct debits, and standing orders, with a highly rated, clean app interface. Travel Perk: Zero fees for spending or withdrawing cash anywhere globally at the live Mastercard exchange rate. Security: Fully licensed UK bank with Financial Services Compensation Scheme (FSCS) protection up to £120,000. Customer Care: Unique amongst top digital peers for providing 24/7 UK-based live support via chat and phone. Monzo Current Account: Best for Budgeting: Built for people who want granular control over their outgoings with instant spending notifications and automatic category tracking. Savings Pots: Allows you to easily separate money into "Pots" to round up transactions to the nearest pound, stash change, or earn interest. Premium Tiers: Unlike Starling, Monzo offers paid upgrade tiers that bundle in benefits like phone insurance and travel perks. Security: Fully licensed UK bank covered up to £120,000 by the FSCS. Chase Current Account: Best for Cashback: Highly popular for daily spending due to its competitive cashback offers on supermarkets, transport, and dining. Saver Tools: Features a high-interest linked Chase Saver account alongside a dedicated 5.00% AER Round-up saver pot. Limitations: Does not offer an overdraft facility and you cannot deposit cash or physical cheques. Security: Backed by JP Morgan with £120,000 FSCS coverage (shared within the parent group). Revolut Standard: Best for Global Travel: Exceptional for frequent flyers, allowing users to seamlessly hold, exchange, and send 30+ different currencies directly through the app. Rewards Platform: Features a built-in "RevPoints" loyalty system where everyday debit card spending accumulates points for retail or travel discounts. ATM Limits: The free tier restricts free international ATM withdrawals to a lower threshold (£200 or 5 withdrawals per month) before charging a 2% fee. Security: Operating with a full UK banking license, securing FSCS customer deposit protection up to £120,000.

🔎 Key Traditional Alternatives with Great Apps

If you prefer a digital experience but still want the familiarity or branch access of a traditional high-street brand, consider these highly-rated hybrid options:

First Direct 1st Account: An HSBC-owned digital-only brand that consistently tops UK customer service charts. Calls are answered instantly by real humans 24/7, and they regularly offer lucrative switching bonuses. NatWest Select Account: Widely praised for having one of the slickest, most feature-rich mobile apps among legacy high-street banks.

If you would like to narrow this down, let me know:

Do you intend to use this as your primary income account or a secondary spending account? How often do you travel or spend money abroad? Are you looking for a free account, or are you open to paid tiers with bundled insurance?