The 10 best neobanks, mobile‑only and digital banks in the UK in January 2026 according to Trustpilot user scores. This top 10 excludes specialist neobanks such as those for teenagers or businesses. Each of these UK neobanks lets you open a bank account in minutes via a mobile app, typically for free.
Top 10 neobanks and mobile banks in the UK - United Kingdom
| Neobank | Head office | TrustPilot Score | Visit | ||
|---|---|---|---|---|---|
| 1. |  | Wallester | Estonie | 5.0 | Apply now |
| 2. |  | Chip | United Kingdom | 4.51 | Apply now |
| 3. |  | TallyMoney | United Kingdom | 4.30 | Apply now |
| 4. |  | Currensea | United Kingdom | 4.26 | Apply now |
| 5. |  | Wise (Transferwise) | United Kingdom | 4.14 | Apply now |
| 6. |  | Trastra | Czech Republic | 4.11 | Apply now |
| 7. |  | Suits Me | United Kingdom | 3.95 | Apply now |
| 8. |  | Atom Bank | United Kingdom | 3.9 | |
| 9. |  | Xapo Bank | Gibraltar | 3.9 | |
| 10. |  | Curve | United Kingdom | 3.88 | Apply now |
