10 Best online banks in the uK

Here are 10 of the best online banks in the UK:

1. Barclays

With the Barclays account you can use the app to manage your account. You also have flexible security control whereby you can freeze and unfreeze your debit card.

Easily do your transactions such as making payments, receiving payments and setting up standing orders.

You can manage your money better as there are options for you to set daily spending limits.

If you need to apply for an overdraft, there is the facility for you to do that. There is also opportunities for you to get monthly cash rewards.

Get more information and open an account, here: Barclays Bank Account.

2. Cashplus


With Cashplus you can do your banking online and on the banking app. Get an account quickly and receive a contactless debit card.

Manage your money and transactions and set up standing orders to make scheduled payments. Cashplus will also send you payment notifications when you make a payment from your account.

If you do not have a good credit history, using Cashplus will help you to increase your credit score with the Credit builder.

If you need to put money into your account, you can do that at any Post Office.

You get more information and open an account, here: Cashplus Bank.

3. Starling Bank

With Starling, you get an award winning bank account that you can open in a matter of minutes. You get to manage your account and money with an app.

When you spend, you can round up your transactions and save it in a virtual bank. This is an easy way to save some money.

You are able to set you own contactless payment limit. And, you can also get payment notifications.

If you wanted to, you can also open a joint account with Sterling bank.

Get more information and open an account, here: Starling Bank Account.


Open a HSBC bank account and you can manage your account online and on a mobile banking app. Do your regular banking transactions by setting up standing orders and direct debits.

With the HSBC account, you will get interest paid on your savings. And you will be able to withdraw up to £300 a day.

In addition, you can receive worldwide exclusive offers from savings on days out as well as clothes.

Get more information and open an account, here: HSBC Bank Account.

Cashback sites

5. Nationwide Building Society


Nationwide has 3 different personal accounts to choose from, a free account and 2 paid account. On the paid account you can get free mobile phone and travel insurance.

Any payments and transactions you need to make you can do it online. You can also arrange an overdraft facility if you require it.

You are also able to set up text notifications so that you can manage your spending.

Get more information and open an account, here: Nationwide Building Society Account.

6. Monzo


Monzo enables you to open a full UK account for free, from your phone. Monzo also pays you interest on your savings.

With are able to set budget for spending and get notifications when you spend.

And, with Monzo Flex, when you buy something you can spread the cost interest free over 3 instalments. Or if you want to spread the cost longer over 6 or 12 months, you can do that and they will charge you interest.

If you already have a bank account or credit card, you can add them to Monzo and see all your transactions and balance.

Get more information and open an account, here: Monzo Bank Account.

7. Halifax Building Society


Halifax Building Society has a free account as well as paid accounts. You can manage your account online or on an app.

When you spend, you can save your change by rounding up your card payments. And, you can get up to 15% cash back.

You are also able to freeze and unfreeze your card or even limit how it is used. You will also get notifications when you spend from your account.

Get more information and open an account, here: Halifax Building Society Account.

8. Leeds


There are number of accounts you can choose from. Including online easy access saving accounts.

You can get interests paid on your savings and some saving accounts have unlimited withdrawals.

Get an ISA account for you to save your money.

Get more information and open an account, here: Leeds Account.

9. Metro Bank


In 10 minutes, you can open a free bank account with Metro Bank. Metro Bank gives has longer opening hours the branches are open early to late.

You can manage your account through the app or online. And, there is a choice of accounts to choose from.

You get free transactions in Europe, on your spending.

Get more information and open an account, here: Metro Bank Account.

10 Lloyds Bank


You can carry out online and mobile banking and arrange an overdraft facility if you need it.

There is also the opportunity to get up to 15% cash back on spending. And, you can also get notifications on your spending as well.

You are also able to round up your change when you spend.

Get more information and open an account, here: Lloyds Bank Account.

What is required to open a bank account?

These are what is required to open a bank account in the UK:

  • Age: 18 or over. Some banks have children and teen accounts, where you can open an account for yourself if you are 16 and over. There are student accounts available with some banks if you are 17 and over.

Documentations for ID

  • UK Passport, Biometric Residence Permit, Foreign Passport and Visa.
  • EU and EEA National Identity Card.
  • UK Driving Licence / EU EEA Driving Licence.
  • Benefits Entitlement Letter (Recent, or up to 12 months).

Documentations for proof of address

  • Bank Statement.
  • Credit Card Statement.
  • Driving Licence.
  • Letter from Council.
  • Gas and Electric Bill.
  • Mortgage Statement.

Which account is right for you?

You have to see what your needs are to decided the best bank and bank account for you, such as do you want free banking, overdraft facility, interest on your money and do you want an app to manage your money.

You need to look at the various accounts available from banks and building societies and decide what account is the best for you. What facilities do you need overdraft facilities, interest on your account, an app to manage your money.

Additional information

If you need advice on money and debt, go here: Citizens Advice.

If you would like more information about bank regulations, go to: Financial Conduct Authority (FC

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