The most popular digital banks in Europe are transforming how people manage their finances. With smart technology, user-friendly apps, and low-cost services, these banks are attracting millions of customers across the continent.
This guide introduces the top 10 digital banks dominating the European market in 2025—and what makes each one stand out.
1. Revolut
Revolut is a financial powerhouse, offering everything from multi-currency accounts and stock trading to cryptocurrency and budgeting tools. Its sleek app interface and global payment capabilities make it a favorite among digital-savvy users across Europe.
2. N26
Berlin-based N26 combines minimalist design with powerful functionality. It provides real-time spending alerts, fee-free international payments, and smart financial insights, making it one of the most popular digital banks in Europe for professionals and students alike.
3. Bunq
Known as “the bank of The Free,” Bunq is based in the Netherlands and is loved for its green initiatives and personalization features. Users can open joint accounts, save automatically, and invest in sustainable portfolios—all from their phone.
4. Monzo
UK-based Monzo is popular for its focus on transparency and ease of use. It offers instant payment notifications, spending categorization, and “pots” to help users save. Its bright coral card has become iconic in the digital banking world.
5. Starling Bank
Starling Bank offers both personal and business banking with award-winning customer service. It features customizable savings spaces, expense reports, and overdraft control—ideal for users who want more from their digital bank.
6. Wise
While not a full bank, Wise (formerly TransferWise) is essential for international money management. With low transfer fees and real exchange rates, it’s the go-to choice for freelancers, digital nomads, and businesses working across borders.
7. Monese
Monese is one of the most inclusive digital banks in Europe, allowing users to open accounts without needing a local address or credit history. It’s a strong option for newcomers, expats, and anyone in transition between countries.
8. Vivid Money
Germany’s Vivid Money combines banking with investment opportunities. It offers cashback on purchases, stock trading, and personalized financial tips through a single, dynamic app—perfect for tech-savvy users looking to grow their money.
9. Qonto
Designed for freelancers and small businesses, Qonto is a French digital bank offering expense management, multi-user access, and professional banking features. It’s one of the best options for entrepreneurs across Europe.
10. Bank of Georgia
Rising in popularity, Bank of Georgia is a leader in digital innovation in Eastern Europe. Its mobile banking services are robust, user-centric, and designed to meet the growing demands of a younger, more connected generation.
Final Thoughts: Europe’s Digital Banking Boom
The rise of the most popular digital banks in Europe shows just how quickly the financial landscape is changing. Customers now expect more transparency, flexibility, and technology from their banks—and these institutions deliver exactly that.
Whether you’re managing international payments, starting a business, or just want better control over your money, there’s a digital bank in Europe built for you.