EU banks tracked
12
All EEA-licensed
Europe's neobanks, honestly graded.
12 licensed digital banks across the EEA, scored on regulation, fees, UX and deposit protection. No sponsored placements. No affiliate weighting.
Looking worldwide? See the global ranking →
Edition №08 · top in Europe
91/100 · Revolut
Bank of Lithuania · full bank
Median score
77
Cohort midpoint
Sponsored picks
0
Affiliate-neutral
Deposit protection
€100k
Full-bank DGS standard
How the EU cohort scores
Distribution · 12 banks
5060708090100
95+ · 0 85–94 · 3 75–84 · 4 <75 · 5
Top picks · Europe
Three banks lead in Europe.
The full EU table sits below. These three earned the strongest combined scores — judged identically whether they pay us or not.
The EU ranking · 12 banks · one grade
12 EU banks. One grade.
Six dimensions — regulation (30%), fees (20%), UX (20%), protection (15%), reach (10%), customer support (5%). See methodology →
| Bank | Jurisdiction | Licence | Price | Score | ||
|---|---|---|---|---|---|---|
| 01 | R Revolut Best overall · travel | LT | Full bank Bank of Lithuania | Free | → | |
| 02 | b bunq Best EU-wide | NL | Full bank DNB | Free | → | |
| 03 | N N26 Best full-EU bank | DE | Full bank BaFin | Free | → | |
| 04 | T Trade Republic Best for savers | DE | Full bank BaFin | Free | → | |
| 05 | L Lunar Nordic pick | DK | Full bank Finanstilsynet | Free | → | |
| 06 | M Monzo Ireland · new entrant | IE | Full bank Central Bank of Ireland | Free | → | |
| 07 | S Starling Bank UK reference | GB | Full bank FCA | Free | → | |
| 08 | W Wise Best for transfers | GB | E-money inst. FCA | €0/mo | → | |
| 09 | R Relay — | XX | Partner-bank FDIC | Free | → | |
| 10 | V Vivid Money Hybrid crypto + banking | DE | E-money inst. Electronic money institution authorisation in Luxembourg; MiFID II investment firm licence in Netherlands; MiCAR authorisation for crypto-asset services | Free | → | |
| 11 | N Nomo — | GB | Payment inst. FCA | Free | → | |
| 12 | Q Qonto Best for freelancers | FR | Payment inst. Payment institution license | €9/mo | → |
All 12 EU banks · A–Z index
Best for · Europe
What are you actually trying to solve?
Most readers don't need the full ranking — they need a single decision. Pick the lane that fits.
For travellers · most-read guide
Multi-currency, without the margin.
Revolut, Wise Multi-Currency, bunq Pro. FX allowances compared, lounge access tiers tested at four EU airports, and the Lithuanian-IBAN question answered (it's fine).
Read guide → For saversWhere idle euros earn 3.49%.
Trade Republic, Revolut Ultra, Lightyear. Savings-rate tracker, updated quarterly.
Read guide → For freelancersBusiness accounts that don't bleed you.
Qonto, Wise Business, N26 Business. Multi-currency invoicing, accounting integrations.
Read guide → For cryptoPost-MiCA: who actually has a licence.
280 coins at Revolut, 50 at Trade Republic. What a CASP licence grants — and what it doesn't.
Read guide → For protectionThe €100,000 question.
What "deposit protection" actually means at e-money vs full bank — with worked examples.
Read guide →