Higher score
Monzo
90
✓ Legit
✓ 7 ! 0 ✗ 0
Monzo is a fully licensed UK bank regulated by the PRA and FCA, with deposits FSCS protected up to £85,000. With over 9 million customers and profitability achieved in 2023, Monzo is one of the most trusted and feature-rich digital banking options in the UK.
Full Monzo review → Revolut
79
✓ Legit
✓ 6 ! 1 ✗ 0
Revolut received its long-awaited UK banking licence from the PRA in 2024, making it a legitimate UK bank. It is excellent for travel money and international transfers. Past compliance concerns have been substantially addressed. A safe choice, especially now with FSCS protection incoming.
Full Revolut review →