US & UKNeobanks
Neobanks
App-based personal accounts, compared on fees for everyday use and on who actually holds the money.
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Products, prices and protections differ by country, so each market has its own comparison in its own currency.
US edition · dollars
Best mobile banking apps in the US (2026): fees compared
App-first checking accounts compared on the fees that come up in everyday use, and on whether a bank or a fintech is holding the money.
- 1. Capital One 360 Checking 360 Checking$0.00
- 2. Ally Spending Account Spending$2.00
- 3. Current Current$12.00
Best mobile banking apps in the UK (2026): fees compared
Four app-based UK current accounts compared on fees abroad, cash deposits and paid plans. All four are UK banks with FSCS protection.
- 1. Kroo Current account£0.00
- 2. Starling Current account£0.00
- 3. Zopa Biscuit Biscuit£0.00
Guide · US & UK
Is a neobank a bank? Charters, partner banks and e-money explained
A neobank is a banking app, and it may or may not be a bank. Here are the three models behind the apps, what each means for protection, and how to check the one you use.
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Analysis, not adviceWe explain costs and trade-offs; the decision is yours. Disclaimer