Best for Travel Starling Bank Best for £125 switch incentive HSBC Advance Bank Account Best for Money management Plum Best for Budgeting Yolt How we chose our top picks For our top picks, we've evaluated a number of digital bank accounts against a range of metrics to select accounts for specific needs. Keep in mind that our top picks may not always be the best for you, and it's wise to compare for yourself to find one that works for you. Read our full methodology here to find out more.

HSBC Advance Bank Account £125 reward when you switch your main current account (from non HSBC-Group products)

Minimum arranged overdraft of £1,000 on account opening

Earn 2.75% AER / gross interest with the linked HSBC Regular Saver

Fee free international transfers and no monthly fee

Our top 10 mobile banking apps

A slick and easy-to-use mobile app has become a must-have for both digital and challenger banks, but not all financial institutions are quite there yet. We’ve had a look at who’s able to offer you the best journey purely from your phone.

While challenger banks are still taking the lion’s share, some traditional banks are catching up and adding innovative features to their banking apps, so the competition is hotting up.

How we picked our top 10 best banking apps

Did we choose according to who we liked best or who used the brightest colours? Not really. We developed a methodology that comes with a huge spreadsheet you don’t really want to have to look at, assigned points to each banking app available on the UK market (yes, all of them!) and then ranked them accordingly.

Our methodology essentially takes two factors into account:

Features. The more the merrier. We like apps that let you manage and personalise your money stuff as much as possible. We also have a soft spot for budgeting features that help you understand where and what you usually spend your money on.

The more the merrier. We like apps that let you manage and personalise your money stuff as much as possible. We also have a soft spot for budgeting features that help you understand where and what you usually spend your money on. Simplicity of use. An app can have a million features and still be a user experience nightmare. All the top apps that we’ve selected look clean and tidy and are fairly easy to use from the first time you start fiddling around with them.

Compare banking app features

Tick the features you’re most keen on to narrow down the selection:

Frequently asked questions