Banks UK Online Bank Saving Current Account Internet Banking
Top Online Banks in the UK
Online banks in the UK, often called digital or challenger banks, operate entirely through mobile apps and websites without physical branches.
They offer modern features like real-time spending notifications, budgeting tools, and fee-free international spending, while keeping costs low for users.
Popular options include fully licensed banks protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person per institution.
Starling Bank
https://www.starlingbank.com
Best all-rounder with full UK current account
Monzo
https://monzo.com
Excellent savings features and budgeting tools
Chase UK (JP Morgan)
https://www.chase.co.uk/gb/en/
Cashback rewards and no monthly fees
ANNA Money
https://anna.money/
Tailored for freelancers and small businesses
bunq
https://www.bunq.com/en-us/
Eco-friendly banking with flexible plans
Zopa
https://www.zopa.com
Offers savings and loans with competitive rates
Virgin Money
https://uk.virginmoney.com
Hybrid bank with digital and branch services
Atom Bank
https://www.atombank.co.uk
App-only bank focused on savings and mortgages
Revolut
https://www.revolut.com
Great for travel and multi-currency use.
Non-bank e-money providers, without full FSCS coverage (they use safeguarding instead).
Monese
https://www.monese.com
Ideal for newcomers and expats
goHenry
https://www.gohenry.com/uk/
Designed for kids and teens to learn money management
Citi US Dollar Euro Current Accounts
Santander Preferred In-Credit Rate Bank Account
Lloyds TSB Classic Current Account
Halifax Reward Current Account
Natwest Current Account Plus
Co-operative Bank Privilege account
RBS Interest Paying Current Account
Co-operative Bank Current Account PlusHSBC Canary Wharf
Lloyds Banking Group City of London
Standard Chartered City of London
Barclays Canary Wharf
Royal Bank of Scotland GroupCo-operative Bank owned by The Co-operative Group.
Harrods Bank owned by Harrods, a department store in London.
Sainsbury's Bank: 50% owned by British supermarket company Sainsbury's and 50% owned by Lloyds Banking Group.
Tesco Bank: owned by British supermarket company Tesco.Bank of Scotland: owned by Lloyds Banking Group.
Birmingham Midshires: owned by Lloyds Banking Group.
Cheltenham & Gloucester: owned by Lloyds Banking Group.
Church House Trust: acquired by Virgin Money in January 2010.
Coutts & Co: a subsidiary of NatWest, owned by the Royal Bank of Scotland Group.
Duncan Lawrie: owned by Camellia plc.
First Direct: telephone and internet banking brand owned by HSBC.
Halifax: owned by Lloyds Banking Group.
Intelligent Finance: telephone and internet banking brand owned by Lloyds Banking Group.
Lloyds TSB: owned by Lloyds Banking Group.
NatWest: owned by the Royal Bank of Scotland Group.
Reliance Bank: owned by The Salvation Army.
Royal Bank of Scotland: owned by Royal Bank of Scotland Group.
Smile: telephone and internet banking brand owned by The Co-operative Bank.
Ulster Bank: owned by Royal Bank of Scotland Group.
The Woolwich: owned by Barclays.Alliance & Leicester: owned by Banco Santander; To be merged into the Santander brand by November 2010.
Allied Irish Bank (GB): owned by AIB Group of the Republic of Ireland.
Bank of Ireland: based in the Republic of Ireland. One of the leading banks in Northern Ireland, and present in Great Britain to a lesser extent.
Clydesdale Bank: owned by National Australia Bank.
Egg Banking plc: owned by Citigroup.
First Trust Bank: owned by AIB Group of the Republic of Ireland.
Northern Bank: owned by Danske Bank of Denmark.
Santander (formerly Abbey, and Bradford & Bingley): owned by Banco Santander of Spain.
Yorkshire Bank: owned by National Australia Bank.
Bank of Cyprus UK: owned by Bank of Cyprus.2025
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