The best digital only banks and mobile banking apps

• Sign up for an instant access savings account (0.5% AER) and switch on Autosavings to start saving today
• Autosavings helps you save money by using rules to find small, regular amounts to put aside each week
• Choose the rules that work for you: rounds ups, safe to save or regular deposit
• Round ups: round up your spending to the next pound and save the difference
• Safe to save: we’ll analyse your income, budget and spending habits to help you calculate how much you can afford to save. Choose from five different savings levels to decide how fast you want to save
• Regular deposit: make a regular deposit into your savings account with the tap of a button

Your deposits with Tandem Bank Limited are protected up to £85,000 by the Financial Services Compensation Scheme (FSCS).

• Curve allows you to connect multiple bank cards into one
• Curve works with Apple, Google and Samsung Pay. If your card previously wasn't accepted by any of these, just connect the card to Curve and add Curve to your mobile wallet. 
• Control all your finances from within one app.
• Curve have invented time travel. You can move purchases from one card to another up to 14 days after the payment has been made
• Get instant, uncapped, 1% cashback from a choice of over 100 retailers
• Remove your banks foreign spending fees when you using Curve abroad.
• Pay HMRC bills with a credit card through Curve Fronted
• Send money from any account to a friend in the Curve app.

Curve are not covered by the UK FSCS however no money is ever added to the Curve app. Your money will always remain in your chosen bank account. Curve will cover all debit and credit card payments for up to £100,000 with Curve Customer Protection. Curve are regulated by the FCA.

• Chip connects to your bank account and uses a clever AI to decide how much you can save.
• Every few days Chip automatically moves a small amount of money into your Chip account, so this pot builds up without you noticing.
• The average saver puts aside £1,800 per year.
• Withdraw your money on the same day.
• You can turn your saving level up and down. Decide if you want to aggressively hit your goals, or slowly save up.
• Or you can manually move as much money as you want into your Chip account, whenever you want. There is an upper limit of £10k per wallet
• Connects to all major UK banks.
• It take just 60 seconds to sign up.

Chip is not covered by FSCS protection.

Your funds will be held in an e-wallet in your name with Prepaid Financial Services Limited (Chip is their agent), which is authorised by the Financial Conduct Authority (firm ref. no.900036) for the issuing of electronic money.

• Used by 4.5m+ customers across Europe and Australia, to make massive savings on fees when spending and sending money abroad.
• Open an app-based account in minutes. Hold and exchange 29 different currencies and spend anywhere with no fees in over 150 countries with a contactless MasterCard or Visa. Withdraw £200 per month free from international ATM (2% fee thereafter).
• Premium plan offers exclusive card designs, overseas medical insurance, £400 free monthly ATM and unlimited FX transfers.

Revolut are not covered by the UK Financial Services Compensation Scheme (FSCS), however funds are hold in a segregated trust account with either Barclays or Lloyds. These two banks do offer FSCS protection, but only if you have not used your limit with them already through other payment or savings accounts. Revolut are FCA authorised and operate to their regulatory requirements under the Electronic Money Regulations 2011, and the Payment Services Regulations 2017. If Revolut become insolvent you will be able to claim your funds from the segregated account and the claims of customers will be paid above other forms of creditors.  

All your card transactions are processed by the Mastercard, Maestro, or Visa network and are protected by Mastercard, Maestro, or Visa rules.