Best Bank Apps UK 2025 (Ranked and Reviewed)

Mobile banking has taken over the UK. Here are the best bank apps for saving, budgeting, and earning interest in 2025.

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1. Monzo

Best for: Budgeting and money management

Features:

• Instant spending notifications
• Pots for saving goals
• Round-ups to save spare change
• Easy bill splitting
• Salary sorting

Savings Rate: Variable (check current rates)

Verdict: The best overall app for budgeting and visibility into your spending.

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2. Chase

Best for: Cashback and competitive savings rates

Features:

• 1% cashback on debit card spending
• Competitive instant access savings
• Round-ups
• Easy-to-use interface
• No monthly fees

Savings Rate: Among the highest for easy access

Verdict: Best combination of cashback and savings rates.

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3. Revolut

Best for: Travel and multi-currency

Features:

• Fee-free spending abroad
• Multi-currency accounts
• Vaults for saving
• Crypto and stock trading
• Disposable virtual cards

Savings Rate: Variable (check current rates)

Verdict: Unbeatable for international spending and travel.

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4. Starling

Best for: All-round digital banking

Features:

• Spaces for goal-based saving
• Business accounts available
• No overseas fees
• Excellent customer service
• Personal finance insights

Savings Rate: Competitive

Verdict: The best all-rounder for personal and business banking.

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5. NatWest

Best for: Traditional banking with modern app

Features:

• Branch access
• Established brand
• Mortgage integration
• Credit products
• Mobile cheque deposits

Verdict: Good for those who want high-street backup with a solid app.

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Quick Comparison

Bank	Best For	Savings Rate	Cashback
Monzo	Budgeting	Average	No
Chase	Savings + Cashback	High	1%
Revolut	Travel	Average	Varies
Starling	All-round	Competitive	No
NatWest	Traditional	Average	No

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How to Choose

Ask yourself:

1. What’s most important? (Savings rate, budgeting, travel)
2. Do you need branch access?
3. How much do you spend abroad?
4. Do you want cashback?

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Final Thoughts

Your banking app matters. Choosing the right one helps you save smarter and spend less.

For ISA-specific advice: Compare Cash ISA providers