{"id":519908,"date":"2024-01-22T11:48:22","date_gmt":"2024-01-22T11:48:22","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=519908"},"modified":"2026-03-24T10:08:38","modified_gmt":"2026-03-24T10:08:38","slug":"online-only-banks-in-the-uk","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/current-accounts\/online-only-banks-in-the-uk","title":{"rendered":"Best online-only banks in the UK"},"content":{"rendered":"<h3> Latest reviews of online-only bank accounts accounts<\/h3>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-0e1b011e99ac4d7283d094c3433afbc2\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png\" width=\"140\" height=\"88\" alt=\"Revolut Standard\" srcset=\"https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/66ed2c547ad3d.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nRevolut Standard<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--great\"><span class=\"score__value\">8.9<\/span><\/span><span class=\"score__text-wrapper score__text score__text--great persist\" style=\"display: flex;\">\nGreat\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/revolut-review#comparison-table-0000000000\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Read review<\/a><\/div><p>To open an account with Revolut, simply download the app through Google Play or the App Store, enter some personal details and your account will soon be up and running. There are 5 pricing plans to choose from, one of which has no monthly fee. Plans that charge a monthly fee have larger fee-free cash withdrawal limits and might include other perks such as travel insurance and medical insurance. Revolut lets you convert money in 36 currencies in the app, as well as send money abroad in more than 150 currencies. You can also use your card to spend overseas and no fees will be charged, provided you stay within your monthly limit and carry out transactions on a weekday.<\/p>\n\n\n\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Low overseas fees<\/li><li>Quick sign-up<\/li><li>Earn cashback on spending<\/li><li>Set budgets for financial goals<\/li><li>Virtual cards for online purchases<\/li><li>Easy to transfer money internationally<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>1% currency conversion charge on weekend spending abroad<\/li><li>Free cash withdrawals in the UK and abroad both limited to \u00a3200 per month<\/li><li>Cannot deposit cash or cheques into the account<\/li><li>Charged a fee to receive your bank card<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">No<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/revolut-review#comparison-table-0000000000\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-b4955ee22df944fa8c63b0cff8078ce0\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png\" width=\"140\" height=\"88\" alt=\"Starling Current Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68caa9cbcd7b2.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nStarling Current Account<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.8<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent persist\" style=\"display: flex;\">\nExcellent\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=1261c70d1c6891fd5f2446dc972774ddde859246886ea09072dedf0264d7f8ad#0000000002\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Read review<\/a><\/div><p>The Starling bank account can be opened and managed online or via the app and there\u2019s no monthly fee to pay. You can use the Bills Manager feature to pay direct debits and standing orders straight from a separate savings pot, helping you to see exactly how much you have left over to spend. You\u2019ll also be able to split bills, create budgets and set up additional savings spaces with ease from the app. Plus, there are no fees for using your Starling card overseas.<\/p><p>Representative example: If you use an arranged overdraft of \u00a31,200, you'll be charged interest at 15% EAR variable.<\/p>\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Split any bill with a tap<\/li><li>24\/7 customer support<\/li><li>Bill manager &amp; instant alerts<\/li><li>Spaces to help manage your money<\/li><li>No charge from Starling for card use abroad<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>No branch network<\/li><li>No interest on your current account balance<\/li><li>Limited product range compared to other banks<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div><a class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts?filters_preset=1261c70d1c6891fd5f2446dc972774ddde859246886ea09072dedf0264d7f8ad#0000000002\">See deal<\/a><a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n                                                                                                    \n\n                \n    \n\n\n\n\n\n\n\n\n\n\n\n\n\n<style>\n.best-hero .hotstats .product_infobox tr { display: flex; flex-direction: column; flex-basis: 0; flex-grow: 1; }\n.best-hero .hotstats .product_infobox th { border-bottom: 0px; width: 100%; padding-left: 0px; padding-bottom: 4px; font-size: 14px; }\n.best-hero .hotstats .product_infobox td { border-bottom: 0px; width: 100%; padding-left: 0px; padding-top: 0px;  }\n.best-hero .hotstats .product_infobox td svg.luna-icon--medium { height: 24px; width: 24px; }\n.best-hero .luna-button--success { white-space: normal; line-height: 1.2; }\n@media only screen and (max-width: 600px) {\n.best-hero .hotstats .product_infobox tbody { display: flex; }\n.best-hero .hotstats .product_infobox th { text-align: center; line-height: 16px !important; padding-left: 3px; padding-right: 3px; }\n.best-hero .hotstats .product_infobox td { flex-grow: 1; align-content: center; text-align: center; line-height: 20px !important; padding-left: 3px; padding-right: 3px;  }\n.best-hero .hotstats .product_infobox tr:first-of-type td, .best-hero .hotstats .product_infobox tr:first-of-type th { padding-left: 0px !important; }\n.best-hero .hotstats .product_infobox tr:last-of-type td, .best-hero .hotstats .product_infobox tr:last-of-type th { padding-right: 0px !important; }\n}\n<\/style><div class=\"best-hero\" id=\"best-hero-5be67640ad1c47c1a0e73c44987b4ea2\"><article class=\"luna-card luna-card--border\"><div class=\"luna-card__block no-padding-top no-padding-right no-padding-bottom no-padding-left\"><div class=\"u-grid u-grid--gutterCollapse\"><div class=\"u-grid__col u-3\/4@m u-2\/3@s\"><div class=\"has-padding-small\"><div class=\"u-grid u-grid--alignMiddle has-padding-bottom-xsmall\"><div class=\"u-grid__col u-1\/3 u-1\/4@m u-1\/5@l\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png\" width=\"140\" height=\"88\" alt=\"Monzo Current Account\" srcset=\"https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/65a12ec2be3f4.png?fit=420 420w\" sizes=\"(max-width: 420px) 28vw, 420px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4@m u-2\/3\"><p class=\"no-margin-bottom u-font--bold\" style=\"font-size: 22px; line-height: 27px;\">\nMonzo Current Account<\/p><span class=\"alignleft\" style=\"font-weight: 1000; color:#000; font-size: 1.6em;\"><span class=\"scoreCombined score__container finder-score\" style=\"justify-content: center;\"><span class=\"score__badge score__badge--excellent\"><span class=\"score__value\">9.3<\/span><\/span><span class=\"score__text-wrapper score__text score__text--excellent persist\" style=\"display: flex;\">\nExcellent\n<\/span><\/span><\/span><\/div><\/div><div class=\"is-hidden@s has-margin-bottom-small hotstats\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div>\n\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/monzo-free-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--fluid%2Bhas-margin-top-xsmall%2Bhas-margin-bottom-xsmall%22%2C%22offer_id%22%3A%2225676%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22product_id%22%3A%225be67640-ad1c-47c1-a0e7-3c44987b4ea2%22%2C%22product_name%22%3A%22Monzo%2BCurrent%2BAccount%22%2C%22provider_id%22%3A%22d6e38f30-245c-4f36-8654-5f6a652c1ddd%22%2C%22provider_name%22%3A%22Monzo%22%2C%22post_id%22%3A%22519908%22%2C%22post_path%22%3A%22current-accounts%252Fonline-only-banks-in-the-uk%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543031%2C%22name%22%3A%22ukfin_best_hero%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\">Go to site<\/a>\n    \n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid has-margin-top-xsmall has-margin-bottom-xsmall\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Read review<\/a><\/div><p>It\u2019s quick and easy to open a Monzo bank account through the app. You\u2019ll be able to set aside money in savings pots, create budgets and track your spending. There are no foreign transaction fees for purchases made on your card abroad. If Monzo is your main bank account, you can also make unlimited fee-free cash withdrawals in the EEA and up to \u00a3200 every 30 days for free outside the EEA (this limit is higher for paid-for accounts). There are 3 different pricing plans to choose from, plus a free option. The Max plan includes worldwide travel insurance, breakdown cover and mobile phone insurance.<\/p><p>Representative example: If you use an arranged overdraft of \u00a31,200, you'll be charged interest at 39% EAR variable.<\/p>\n\n\n  <ul class=\"luna-accordionGroup accordionGroup\">    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Pros and cons<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Pros<\/p><ul class=\"list-4\"><li>Easy to set up<\/li><li>Good for budgeting and categorising spending<\/li><li>Automatic saving feature<\/li><li>Fee-free spending abroad<\/li><li>Slick app with face login<\/li><li>Overdrafts and loans available<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><p class=\"u-font--bold\">Cons<\/p><ul class=\"list-13\"><li>Free ATM withdrawals outside the EEA limited to \u00a3200,<\/li><li>\u00a31 fee for depositing cash at PayPoints, <\/li><li>Maximum cash deposit of \u00a31,000 every 6 months<\/li><li>No rewards program<\/li><\/ul><\/div><\/div>    <\/div>\n  <\/div>\n<\/li>    <li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">More details<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\">    <div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage\" class=\"UKFSA-CUR bestpage \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Switch service guarantee<\/th><td class=\"i_infobox_data product_infobox_data\">Yes<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Overseas card transactions<\/th><td class=\"i_infobox_data product_infobox_data\">0% <span class=\"table-popover\" rel=\"popover\" data-content=\"There is no charge for debit card transactions in foreign currency outside the UK.\" title=\"More info\" data-original-title=\"\" tabindex=\"0\"><\/span><\/td><\/tr><\/tbody><\/table><\/div>    <\/div>\n  <\/div>\n<\/li>  <\/ul>\n\n\n\n<\/div><\/div><div class=\"u-grid__col u-1\/4@m u-1\/3@s box no-margin-bottom is-hidden is-visible@s\"><div class=\"has-padding-small\"><div class=\"hotstats has-margin-bottom-small\"><div data-category=\"\" data-niche=\"UKFSA-CUR\" data-fieldset=\"bestpage_hotstats\" class=\"UKFSA-CUR bestpage_hotstats \"><table class=\"i_infobox product_infobox\"><tbody><tr><th>Minimum opening balance<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Account fees<\/th><td class=\"i_infobox_data product_infobox_data\">\u00a30<\/td><\/tr><tr><th>Interest (AER)<\/th><td class=\"i_infobox_data product_infobox_data\">0% AER<\/td><\/tr><\/tbody><\/table><\/div><\/div>\n<a target=\"_blank\" rel=\"sponsored\" href=\"https:\/\/www.finder.com\/redirect\/uk\/savings-accounts\/monzo-free-account-uk-secure.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22product_link%22%2C%22title%22%3A%22Go%2Bto%2Bsite%22%2C%22site%22%3A%22UKFSA-CUR%22%2C%22class%22%3A%22luna-button%2Bluna-button--success%2Bluna-button--fluid%2Bhas-margin-bottom-xsmall%22%2C%22offer_id%22%3A%2225676%22%2C%22niche_code%22%3A%22UKFSA-CUR%22%2C%22product_id%22%3A%225be67640-ad1c-47c1-a0e7-3c44987b4ea2%22%2C%22product_name%22%3A%22Monzo%2BCurrent%2BAccount%22%2C%22provider_id%22%3A%22d6e38f30-245c-4f36-8654-5f6a652c1ddd%22%2C%22provider_name%22%3A%22Monzo%22%2C%22post_id%22%3A%22519908%22%2C%22post_path%22%3A%22current-accounts%252Fonline-only-banks-in-the-uk%22%2C%22post_country%22%3A%22uk%22%2C%22partial%22%3A%7B%22id%22%3A543031%2C%22name%22%3A%22ukfin_best_hero%22%2C%22country%22%3A%22uk%22%7D%7D\" class=\"luna-button luna-button--success luna-button--fluid has-margin-bottom-xsmall\">Go to site<\/a>\n<a class=\"luna-button luna-button--primary luna-button--ghost luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Read review<\/a><\/div><\/div><\/div><\/div><\/article><\/div><h3>What is an online-only bank?<\/h3><p>Online-only banks don\u2019t have a network of branches, meaning customers have to manage their transactions through a website or an app.<\/p><p>Provided you have an internet connection, you can apply for online-only accounts and move money wherever you are.<\/p><p>It\u2019s usually the younger \u201cchallenger\u201d banks that are online-only, such as <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a>. This sets them apart from traditional banks like <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/natwest-current-accounts\">NatWest<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/lloyds-current-accounts\">Lloyds<\/a>, which have hundreds of branches dotted around the UK.<\/p><h3>What to consider before opening an online-only bank account<\/h3><p>Some online-only banks only let customers log in from either a website or an app rather than both, so make sure you understand what it offers before you sign up.<\/p><p>It\u2019s always important to compare the features and limitations of a bank account. For example, if you would like to deposit cash into an account, some online-only banks won\u2019t let you, while others have ways around this, such as visiting a Post Office branch. Banks like Starling and first direct allow you to <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/banks-that-allow-you-to-pay-cheques-in-online\">pay cheques in online<\/a>.<\/p><p>It tends to be relatively straightforward to set up and use an online-only bank account. However, if you want to speak to someone from the bank in person, it won\u2019t be the right option for you.<\/p><h3>Our 2026 customer satisfaction league table<\/h3>\n\nWe asked the customers of banking apps and current accounts providers featured in this table whether they'd recommend it to a friend and we've ordered the table by the percentage score. Our independent survey was carried out in Feburary 2026. Learn more about how we <a href=\"https:\/\/www.finder.com\/uk\/finderawards\/current-accounts-customer-satisfaction-awards\">conducted our research<\/a>. The table features primarily digital banking providers. Full details including scores for the <a href=\"https:\/\/www.finder.com\/uk\/finderawards\/current-accounts-customer-satisfaction-awards\">high street banks can be found here<\/a>.\n\n<table class=\"luna-table customer-satisfaction\" id=\"customer-satisfaction\">\n    <thead class=\"luna-table__header\">\n        <tr>\n            <th scope=\"col\" class=\"u-1\/5@s\">Bank<\/th>\n            <th scope=\"col\">Customers who'd recommend<\/th>\n            <th scope=\"col\" class=\"is-hidden is-visible@m\">Details<\/th>\n        <\/tr>\n    <\/thead>\n    <tbody class=\"luna-table__body\">\n        <tr>\n            <th scope=\"row\" data-brand=\"firstdirect\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\">first direct<\/a><\/th>\n            <td>97%<\/td>\n            <td>Renowned for its 24\/7 human customer support, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/first-direct-current-accounts\">first direct<\/a> is a highly reliable provider. Users praise the helpful staff and efficient online banking experience.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"starling\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a><\/th>\n            <td>97%<\/td>\n            <td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/starling-bank-review\">Starling<\/a> is consistently praised for its brilliant app and 24\/7 customer support. Customers especially value the lack of fees for using the account abroad.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"revolut\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a><\/th>\n            <td>97%<\/td>\n            <td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/revolut-review\">Revolut<\/a> is valued for its innovative app and ease of sending money worldwide. Users find it specifically useful for travel and daily transactions.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"chase\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\">Chase<\/a><\/th>\n            <td>97%<\/td>\n            <td>The user-friendly app and popular cashback offers make <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/chase-digital-bank-review\">Chase<\/a> a top choice. Customers find the account smooth to operate and very easy to set up.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"monzo\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a><\/th>\n            <td>93%<\/td>\n            <td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monzo-review\">Monzo<\/a> is a popular choice for its innovative app features and helpful money tools. Users value the brilliant customer service and ease of use abroad.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"ifast\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/ifast-global-bank-review\">iFAST Global Bank<\/a><\/th>\n            <td>93%<\/td>\n            <td>Often described as an efficient and trustworthy brand, <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/ifast-global-bank-review\">iFAST Global Bank<\/a> is valued by customers, who find the service reliable and appreciate the rewarding offers.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"zopa\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/zopa-current-account-review\">Biscuit by Zopa<\/a><\/th>\n            <td>87%<\/td>\n            <td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/zopa-current-account-review\">Biscuit by Zopa<\/a> offers a simple and versatile digital experience. Reviewers frequently highlight the excellent customer service and ease of managing accounts online.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"kroo\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/kroo-review\">Kroo<\/a><\/th>\n            <td>87%<\/td>\n            <td><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/kroo-review\">Kroo<\/a> earns praise for its easy-to-use interface and helpful customer support. Many users value the clear notifications and beneficial money management tools.<\/td>\n        <\/tr>\n        <tr>\n            <th scope=\"row\" data-brand=\"monese\"><a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review\">Monese<\/a><\/th>\n            <td>77%<\/td>\n            <td>An easy-to-navigate app experience makes <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/monese-review\">Monese<\/a> a reliable choice. Customers frequently mention it as a convenient option for daily banking and travel.<\/td>\n        <\/tr>\n    <\/tbody>\n<\/table>\n\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Customer satisfaction scores methodology<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\">We asked people who'd used a current account provider within the previous 12 months to rate their satisfaction with the service they received and whether they'd recommend the provider to a friend. Our independent survey of 750 current account customers was carried out in February 2026.We have shown the percentage recommended score in the table above and used these ratings to decide the winners of our awards. Where there was a draw on the \"would recommend percentage\", we used the overall rating out of 5 as a tie-breaker.<\/div>\n  <\/div>\n<\/li><\/ul>  <h3>How do I open an app-based bank account?<\/h3><p>Here are some steps to help you get started:<\/p><ol><li>Compare the best current accounts to choose the right bank account for you.<\/li><li>Find the bank\u2019s app and install it onto your device. Make sure you\u2019re installing the legit app \u2014 go on the bank\u2019s website, which should have a link.<\/li><li>Answer questions about yourself, such as your name, contact details and date of birth.<\/li><li>Choose an account. The bank might ask you some questions about how much you plan to pay into it and what you plan to use it for.<\/li><li>Provide a picture of your ID, such as a valid driving licence or passport. You may also have to record a video of yourself saying a few words.<\/li><li>Wait for the bank to approve your application. You should get a notification that your account is ready to use (many online-only banks approve accounts in a day).<\/li><\/ol><p>Once it\u2019s open, you should get immediate access to a virtual bank card. Your physical card will be sent in the post, which you usually have to activate through the app.<\/p><h3>How safe are online-only banks?<\/h3><p>Online-only banks tend to be just as safe as the traditional high street ones. UK banks are heavily regulated, and there are strict rules to abide by when managing customers\u2019 money.<\/p><p>Any bank that offers online banking should have robust security systems to protect customers\u2019 information and keep their money safe. Many ask you to provide a password to verify yourself whenever you log in and make payments. For some transactions, you might have to provide extra information to verify yourself, such as a one-time passcode texted to your phone.<\/p><p>Many online-only banks have features that can help keep your money safe, such as blocking certain types of transactions and sending real-time notifications to your phone.<\/p><p>Finally, you\u2019ll have the same protection under the <a href=\"https:\/\/www.finder.com\/uk\/banking\/what-is-the-fscs\">Financial Services Compensation Scheme (FSCS)<\/a> as you would if you had opened an account with a high street bank.<\/p><h3>What is a virtual card?<\/h3><p>A big perk of using an online-only bank is that once the account is open, you will receive <a href=\"https:\/\/www.finder.com\/uk\/virtual-debit-cards\">a virtual bank card<\/a>, which you can view in the app.<\/p><p>You can use the virtual card immediately to make payments while you wait for your physical card to arrive in the post. It also means that you don\u2019t need to carry around a physical card to pay for things.<\/p><p>The virtual card can be stored on Google Pay or Apple Pay. To do this, download either Google Pay (for Android devices) or Apple Pay (for Apple devices) and follow the instructions to add the card to your virtual wallet. <\/p><p>Once set up, you can pay for things in-store by tapping your device on a card machine, like you would when using a contactless card (you just have to unlock your phone at the checkout).<\/p><h3>Will I get a physical card with an app-based bank?<\/h3><p>Once your account is open, most banks automatically send you a physical card in the post.<\/p><p>Some physical bank cards don\u2019t have card numbers printed on them, so if you want to use your card to pay for something online, you have to open the app and copy your card details.<\/p><p>If your physical card is lost or stolen, you can also temporarily lock it using your app to stop anyone from using it (and unlock it again if you find it).<\/p><h3>Pros and cons of online-only banks<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>It\u2019s usually quick and easy to set up an account<\/li>\n                                    <li>They tend to have useful features, such as being able to divide your money into pots<\/li>\n                                    <li>Many offer cashback and fee-free spending while abroad<\/li>\n                                    <li>Get a virtual card to use immediately<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>No bank branches so you can\u2019t get face-to-face customer service<\/li>\n                                    <li>Problematic if technical issues stop the website or app from working<\/li>\n                                    <li>Limited product range compared to high street banks<\/li>\n                                    <li>Some don\u2019t accept cash or cheques<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Bottom line<\/h3><p>Online-only banks tend to be relatively new banks that have created accounts to suit our modern lifestyles. Their apps are often quick and intuitive, which makes it easy to bank on the go.<\/p><p>It\u2019s probably not a coincidence that many online-only banks, like Monzo and Starling, top the league table for customer satisfaction.<\/p><p>If you\u2019re not fussed about face-to-face customer service, an online-only bank can be well worth using, especially if you make full use of the features.<\/p><h3>FAQs<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000007\" data-toggle=\"collapse\" data-target=\"#accordion0000000007\">\n        <span class=\"luna-accordion__title\">Is it okay to only have an online bank?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000007\" data-accordion=\"details\">\n    <div class=\"accordionContent\">Yes, if you prefer to manage your money entirely online, it\u2019s perfectly fine to just use an online-only bank.<p>Lots of people are choosing to switch their main accounts over to online-only banks, but you don\u2019t have to choose one or the other \u2014 it could even be useful to have more than one account.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000008\" data-toggle=\"collapse\" data-target=\"#accordion0000000008\">\n        <span class=\"luna-accordion__title\">What is the drawback of having an online-only bank?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000008\" data-accordion=\"details\">\n    <div class=\"accordionContent\">The main downside of an online-only bank is that you don\u2019t get face-to-face customer service.<p>This means that if you need help with your account, you\u2019re relying on the bank\u2019s online and call centre helplines to get the support you need. <\/p><p>But sometimes, you might find that, compared to the traditional banks, the online-only companies have shorter call wait times and more convenient ways of communicating.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000009\" data-toggle=\"collapse\" data-target=\"#accordion0000000009\">\n        <span class=\"luna-accordion__title\">Which online bank is best in the UK?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000009\" data-accordion=\"details\">\n    <div class=\"accordionContent\">We\u2019ve rated and ranked our best banking accounts <a href=\"https:\/\/www.finder.com\/uk\/current-accounts\/best-banks\"> here<\/a>. We also highlight banks that excel in certain categories, of which 4 out of 6 are online-only banks.<\/div>\n  <\/div>\n<\/li><\/ul><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div>\n\n\n<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Online-only banks have some limitations, but they also tend to offer handy features that might convince you to switch.<\/p>\n","protected":false},"author":645,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[3763],"tags":[],"asset_tag":[],"class_list":["post-519908","post","type-post","status-publish","format-standard","hentry","category-current-accounts"],"apple_news_notices":[],"yoast_head":"<!-- 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