Best Apps for Bank Accounts
Choosing the right bank account app is essential for managing your finances efficiently in today’s digital world. With so many options available, it can be overwhelming to find an app that offers convenience, security, and competitive features. In this guide, we review the best apps for bank accounts in 2025, focusing on ease of use, fees, and functionality. Whether you need personal banking, business accounts, or multi-currency support, these apps deliver innovative solutions. Explore our expert reviews to find the perfect digital banking app that fits your lifestyle.
So, which apps are best for managing bank accounts
W1TTY (Lithuania/UK)
Youth-focused neobank with smart budgeting, FX, and rewards.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 1 |
W1TTY (UK/EU)
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Pros
- Great for students and young adults
- Includes budgeting and savings features
- Customizable virtual and physical cards
- Earn cashback and rewards
Cons
- Limited country availability
- No credit products yet
- Less known than bigger neobanks
About W1TTY (UK/EU)
W1TTY is a fast-growing neobank targeting young adults, students, and Gen Z professionals across the UK and Europe. With a mission to deliver financial wellness and empowerment, W1TTY offers a sleek, mobile-first experience with full IBAN support, virtual and physical cards, and intuitive spending controls. Users benefit from smart budgeting tools, savings goals, and a reward system that includes cashback for everyday use. Unlike many traditional banks, W1TTY emphasizes financial education and control through its app interface. While it’s still expanding geographically, W1TTY has earned praise for its transparency, fresh UX design, and low fees. Its accounts are easy to open online and offer multi-currency support, though credit features are still under development. With competitive APY rates and no hidden costs, W1TTY stands out as a user-friendly alternative for the next generation of European banking customers.
Lanistar (UK)
Multicurrency virtual cards and smart payment routing.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 2 |
Lanistar (UK)
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Pros
- Modern, eye-catching design
- Multiple cards in one app
- Simple account setup process
- Emphasis on lifestyle and branding
Cons
- No savings or credit features
- Still gaining regulatory maturity
- Not yet available in all EU countries
About Lanistar (UK)
Lanistar is a UK-based fintech offering a visually distinctive and lifestyle-oriented banking app. Designed for digital natives, Lanistar combines banking utility with branding flair. The app allows users to manage multiple bank cards in one account through its proprietary Polymorphic card system. Though not a full bank, Lanistar is regulated as an e-money institution and offers a Visa-backed prepaid debit card, both virtual and physical. Its appeal lies in simplicity, aesthetics, and ease of access. Users can sign up online within minutes, and the app is gaining popularity across Europe among trend-conscious young adults. While APY or traditional banking tools like loans and savings are currently absent, Lanistar focuses on spending, budgeting, and smart payments. Despite a few early regulatory hurdles, the company has been making progress toward wider adoption. It’s a good fit for users who value style and seamless digital payments over traditional banking services.
Blackcatcard (Malta)
Crypto-friendly digital account with IBAN and cashback
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 3 |
Blackcatcard (Malta/EU)
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Pros
- No monthly fees or minimum balance
- Crypto wallet and card integration
- IBAN for SEPA transfers
- Available across the EEA
Cons
- Only supports EUR
- Not available outside EEA
- Limited customer service hours
About Blackcatcard (Malta/EU)
Blackcatcard is a Malta-based fintech offering an EU IBAN account with zero monthly maintenance fees and a modern mobile-first experience. Ideal for digital-savvy users, it supports instant SEPA transfers, contactless Mastercard payments, and in-app crypto features. Users can hold crypto, convert it, and even link it to a crypto-friendly card for everyday use. It also offers a 2% interest return on balances and loyalty cashback. With a smooth account opening process and no deposit requirements, Blackcatcard appeals to freelancers, expats, and digital nomads across the EEA. While its support is limited to EUR and not open to non-EU/EEA residents, the app’s speed and security are praised. Its modern interface and digital identity verification make onboarding easy. Whether you’re managing payments, saving, or experimenting with crypto, Blackcatcard offers a fresh, flexible banking alternative.
Profee (Cyprus)
Low-cost SEPA transfers and multicurrency wallets.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 4 |
Profee (Cyprus)
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Pros
- Competitive SEPA transfer fees
- Supports multiple currencies
- Simple and fast account opening
- Good for freelancers and businesses
Cons
- No APY or interest on balances
- Limited availability outside Europe
- Business focus might not suit individuals
About Profee (Cyprus)
Profee is a Cyprus-based fintech offering low-cost SEPA and international transfers tailored for freelancers and small businesses. Its app provides multi-currency wallets with EUR, USD, and GBP support, enabling users to hold and manage funds seamlessly across borders. Profee emphasizes quick onboarding with digital KYC and transparent fees, making it attractive for startups and solo entrepreneurs. While it doesn’t offer interest on deposits, its main strength lies in affordable, fast, and efficient transfers and payments. The app integrates prepaid cards for convenient spending, backed by a user-friendly mobile interface. Profee is gaining traction in Europe as a cost-effective alternative for business banking needs with expanding services and reliability.
GoSolo (UK)
Digital business account for freelancers and solo entrepreneurs.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 5 |
GoSolo (UK)
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Pros
- User-friendly app for freelancers
- Integrated invoicing and tax management
- Affordable monthly fee with free trial
- Fast digital onboarding
Cons
- Limited currency support (GBP, EUR)
- No interest on balances
- Available only for UK residents
About GoSolo (UK)
GoSolo is a UK-based digital bank designed specifically for freelancers and solo entrepreneurs. It offers a straightforward app experience with tools to simplify invoicing, expense tracking, and tax management. The account setup is entirely online with quick KYC verification, making it easy for users to get started. While it charges a modest monthly fee, a free trial is available for new users. The bank supports GBP and EUR currencies, catering mostly to UK residents and EU freelancers working with British clients. Although GoSolo doesn’t provide interest on balances, its core strength lies in helping freelancers manage their finances efficiently and stay compliant with tax regulations. The app’s clean interface and automation features are highly praised, making it a top choice for self-employed professionals in the UK market.
PayRay Bank (Lithuania)
SME-focused bank offering credit and digital services.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 6 |
PayRay Bank (Lithuania)
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Pros
- Specialized in SME banking and credit
- Easy online account opening
- Modern mobile app with user-friendly design
- Competitive fees for business accounts
Cons
- No interest on deposits
- Limited currency options
- Not fully global; mainly for EU clients
About PayRay Bank (Lithuania)
PayRay Bank, headquartered in Lithuania, offers digital banking services focused primarily on small and medium enterprises (SMEs). The bank provides business accounts with simple online onboarding, competitive monthly fees, and integrated credit options to support growing businesses. Its mobile and web applications are designed for ease of use and efficiency, enabling SME owners to manage accounts, payments, and loans digitally without traditional branch visits. While it supports EUR and USD currencies, the bank’s reach is mostly within the EU and Lithuania. PayRay does not offer interest on balances but excels in providing tailored credit services and flexible digital tools for entrepreneurs. The bank is gaining recognition for its SME specialization and modern fintech approach in the Baltic region.
Monument Bank (UK)
App-based savings and lending bank targeting professionals.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 7 |
Monument Bank (UK)
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Pros
- Simple, sleek app tailored for professionals
- Competitive savings interest rates
- Fast and fully digital onboarding
- Personalized financial insights and budgeting tools
Cons
- Limited currency options
- Monthly fee may deter low-balance users
- Unavailable outside the UK
About Monument Bank (UK)
Monument Bank is a UK-based digital challenger bank designed to meet the financial needs of working professionals. Its app-centric model combines straightforward savings accounts with lending options, focusing on making money management clear and rewarding. Users benefit from competitive interest rates on savings and insightful budgeting tools that help maintain financial health. Monument’s onboarding process is fully digital, allowing quick account setup with no paperwork. Although its service is limited to UK residents and only supports GBP and EUR, the bank’s modern design and personalized approach appeal to young professionals seeking a hassle-free banking experience. With regular updates and a growing feature set, Monument Bank continues to build a reputation as a trusted digital partner for everyday banking.
Creamfinance (Latvia/Poland)
Expanding from lending into full digital banking services.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 8 |
Creamfinance (Latvia/Poland)
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Pros
- Rapid expansion from lending to full banking
- No monthly fees for account holders
- Flexible multi-currency support (EUR, PLN)
- Simple, user-friendly digital platform
Cons
- Limited availability outside Latvia and Poland
- APY varies and can be low
- Not fully suited for international users
About Creamfinance (Latvia/Poland)
Creamfinance has rapidly evolved from a lending-focused fintech into a full-fledged digital banking provider operating in Latvia and Poland. The bank offers a no-fee account with flexible currency options designed to meet the needs of local and regional users. Its platform emphasizes ease of use, quick account setup, and transparent digital management tools. While still growing its portfolio of banking products, Creamfinance leverages its fintech roots to deliver efficient and modern services. The bank suits users looking for straightforward banking with no monthly fees, especially those in Latvia and Poland. Although it is expanding, its international reach remains limited, making it more attractive to regional clients. Creamfinance’s vision is to combine lending expertise with banking convenience to create a seamless financial experience.
Relio (Switzerland)
Digital banking solution for SMEs and startups with compliance tools.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 9 |
Relio (Switzerland)
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Pros
- Designed for small businesses and startups
- Strong focus on regulatory compliance
- User-friendly mobile banking app
- Multi-currency accounts (CHF, EUR)
Cons
- Monthly fee can add up
- Requires Swiss residency to open
- Limited to CHF and EUR currencies
About Relio (Switzerland)
Relio is a Swiss-based digital banking solution designed specifically to empower small and medium-sized enterprises (SMEs) and startups. By integrating comprehensive compliance and regulatory tools, Relio makes managing financial and legal obligations easier for businesses. The bank offers a smooth app-based experience, enabling fast account opening and seamless money management in CHF and EUR currencies. While the monthly fee is moderate, many users appreciate the tailored business focus and high security standards inherent in Swiss banking. Relio requires residency in Switzerland, targeting domestic entrepreneurs and startups seeking a reliable banking partner with advanced digital features. The bank continues to innovate, aiming to bridge traditional banking reliability with modern fintech agility.
Insha (Germany)
Ethical (Islamic) digital bank with growing user base in EU.
| # | Bank | Account Info | Eligibility | Highlights | Rating | Visit |
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| 10 |
Insha (Germany)
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Pros
- Ethical banking aligned with Islamic principles
- No monthly fees or minimum balance
- Simple and clean mobile app interface
- Good fit for socially conscious users
Cons
- Limited to EUR currency
- Not widely available outside EU
- APY is relatively low
About Insha (Germany)
Insha is a Germany-based digital bank offering ethical banking services aligned with Islamic finance principles. It is gaining popularity among users across Europe seeking socially responsible and transparent financial products. The bank provides a fully online account opening process with no monthly fees and no minimum balance, making it accessible to a wide audience. Insha’s modern mobile app is designed for intuitive everyday banking, combining simplicity with essential features. Although limited to the euro currency and mainly EU residents, Insha stands out for its unique ethical positioning in the digital banking space. Its focus on community values and transparent operations appeals to customers looking for a bank that supports responsible finance. Overall, Insha offers a niche but growing alternative for European banking customers.
Key Features to Look for in a Bank Account App
When selecting a bank account app, focus on features that make managing your money simple and efficient. Essential tools include instant alerts, hassle-free money transfers, and easy bill payments. Support for multiple currencies and built-in budgeting tools are valuable for international and savvy users. Extra perks like investment or loan integration can enhance your financial management. Above all, a clean and intuitive interface makes banking smooth and enjoyable.
Security First: How Top Apps Protect Your Money
Leading bank apps secure your funds with cutting-edge encryption and biometric login options. They continually update their security protocols and monitor for fraudulent activity. Fast and helpful customer support is available if any security issues arise.
Mobile Banking Made Easy: User Experience Highlights
The best banking apps feature straightforward, elegant designs that simplify everyday tasks. Fast access, simple menus, and customizable interfaces help users stay organized. They also include accessibility features to accommodate all types of users.
How We Rated These Bank Account Apps
Our ratings are based on a comprehensive review of fees, functionality, and user experience. We placed strong emphasis on security and the quality of customer service. Each app was tested across multiple devices for consistency and speed. We also considered feedback from real users and industry experts. This thorough evaluation ensures you get reliable recommendations tailored to your needs.
FAQ
Look for apps offering real-time notifications, easy fund transfers, and intuitive budgeting tools. Support for multiple currencies and rewards programs, like those from W1TTY, can add extra value. Also, a seamless user interface makes everyday banking hassle-free.
Yes, top apps use strong encryption, biometric logins, and continuous fraud monitoring to protect your funds. Brands like Relio emphasize compliance and security, especially for SME clients. Always check if the app has a clear privacy policy and customer support.
Apps like Profee specialize in low-cost SEPA transfers and transparent fee structures. Many digital banks aim to reduce or eliminate monthly maintenance fees. Comparing the fine print is key to finding the best value for your banking needs.
Absolutely, many apps such as GoSolo and Monument Bank allow full online onboarding without branch visits. This digital-first approach saves time and offers instant access to your account. The verification process is typically quick and secure.
Yes, apps like Lanistar provide multicurrency wallets and virtual cards that make global spending easier. Multi-currency support is essential for travelers, freelancers, and businesses dealing internationally. It helps you avoid expensive conversion fees.
Leading apps implement end-to-end encryption and two-factor authentication to safeguard your data. Regular security updates and AI-driven fraud detection also minimize risks. Providers like Blackcatcard add an extra layer of protection for crypto-related transactions.
Definitely, GoSolo and PayRay Bank focus on freelancers and SMEs, offering tailored services like invoicing and credit solutions. These apps simplify managing business finances with tools for expenses and compliance. Business-focused apps often include multi-user access and reporting features.
Many modern apps offer integrations with budgeting tools, investment accounts, or payment services. Creamfinance, for example, is expanding its digital ecosystem beyond lending to include full banking services. This interconnectedness streamlines your financial management.
Mobile apps provide 24/7 access to your account without visiting branches, plus faster transaction processing. They often offer innovative features like smart budgeting (seen in W1TTY) and rewards tailored to your spending habits. The convenience and transparency appeal to tech-savvy users.
Switching usually involves opening a new account and gradually transferring payments and deposits. Many apps support automated switching services to move direct debits and standing orders. It’s wise to keep your old account open for a short transition period to avoid disruptions.