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Challenger banks provide a modern and technology focused approach to banking. Although they are branchless (fully online) they have challenged the high street banks and enticed customers with their nifty features. 

 

All of the banks listed here allow users to:

 

  • Freeze their card

  • Set-up ‘smart’ saving pots

  • Easily pay other members of the bank

  • Use Google and Apple pay

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The overview:

Charges 2% fee for money transfers. ATM withdrawal free up to £200 a month in UK as well.

Upgrade options:

CLASSIC - £4.95 per month: £800 free ATM withdrawals per month. 0.5% fee for exchanging currency

PREMIUM - £14.95 per month: Unlimited free ATM withdrawals. Free to transfer/send currencies

Monese

The card...

3 - 5 business days

£4.95 |

CRedit options

No overdraft option

Loans: No

Current Account Interest

No interest paid on current account

What's it like abroad?

£200 free ATM withdrawals per month (2% charged after this)

Send money in 17 other currencies. 2% fee charged

Additional Features

Open a European account and easily switch between £ and € in app

​🎁

GFY OFFERS🌟

Use code 'GFYHELLO' for a FREE 15 GBP/EUR bonus after the 1st card transaction

The overview:

Well established challenger bank across Europe, launched in the UK in 2018. Available on desktop in addition to app. Metallic cards. Limited number of saving pots. Good for European travellers given free ATM withdrawals in €

Upgrade options:

N26 YOU - £4.90 per month: Unlimited free ATM withdrawals. Discount & offers. Extra saving pots

N26 METAL - £14.90 per month: Includes all the features from N26 You + Priority customer support. Travel insurance. Discounted airport lounge access

N26

The card...

5 - 7 business days

Free |

CRedit options

Overdraft Coming Soon

Loans: No

Current Account Interest

No interest paid on current account

What's it like abroad?

Free ATM withdrawals in £ (up to £500). Charged 1.7% of withdrawal elsewhere

Send money in 19 other currencies

Additional Features

Change pin in app. Transparent card as standard, aluminium cards as upgrade

​🎁

GFY OFFERS🌟

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The overview:

Able to hold different currencies. Mark-up of 0.5% added on currency exchange on weekend. £200 free ATM limit also applied to UK withdrawals a month

Upgrade options:

PREMIUM - £6.99 per month: £400 free ATM withdrawals per month. Travel insurance. Airport lounge access. 8 free stock trades. 20% off device insurance. Speedy card delivery

METAL - £12.99 per month: Includes all the features from premium + £600 free ATM withdrawals per month. 1% cachback. Concierge service

Revolut

The card...

Up to 9 business days

£4.99 |

CRedit options

No overdraft option

Loans: Yes

Current Account Interest

No interest paid on current account

What's it like abroad?

£200 free ATM withdrawals per month (2% charged after this). 0.5% fee if spending £5,000+/month

Hold and send 29 other currencies

Additional Features

Bill splitting. Round-up saving feature. Hold cryptocurrencies. Invest in US Stocks, FX, Insurance, perks

​🎁

GFY OFFERS🌟

FREE card (usually £4.99)

The overview:

Nearly entirely fee free. Clean and easy to use app. Adding more features as it grows

Upgrade options:

No upgrade options

Monzo

The card...

2 - 7 business days

Free |

CRedit options

Overdraft costs £0.5 per day & has a limit of £1,000 (flat rate makes small overdrafts expensive relative to competitors)

Loans: Yes

Current Account Interest

Access a range of saving providers via the app: AER 1% -1.5%

What's it like abroad?

£200 free ATM withdrawals per month (3% charge after this)

Additional Features

Bill splitting. Early payday (one day early). Notifies you if bill goes up or down. Online reciepts. Round-up saving feature. Customers are also able to open joint accounts

​🎁

GFY OFFERS🌟

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The overview:

Great for travelling and provides a competitve overdraft in comparsions to other challenger banks

Upgrade options:

No upgrade options

Starling

The card...

3 - 5 business days

Free |

CRedit options

Overdraft charges 15% EAR & has a limit of £5,000

Loans: Yes

Current Account Interest

0.5% AER on CA up to £2,000. 0.25% AER on CA up to £85,000

What's it like abroad?

Unlimited free ATM withdrawals per month

Send money in 19 other currencies. Fee charged

Additional Features

Bill splitting. Round-up saving feature. Through marketplace: insurance, mortgages and investment options. Customers are also able to open join current accounts, euro accounts or a business account

​🎁

GFY OFFERS🌟

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