Best Banking App UK 2026: Which One Should You Use?

Last updated: 10 June 2026

By Stiv · Design, technology and personal finance

This article is for information only and does not constitute financial advice. CoolCuration is not authorised by the Financial Conduct Authority. Always check the latest details directly with each provider before opening an account or making any financial decision. If you are unsure, consider speaking to an independent financial adviser.

This article contains affiliate or referral links. If you click through and sign up I may earn a commission or referral bonus at no extra cost to you. It does not affect my editorial view.

Finding the best banking app UK in 2026 is genuinely difficult. Every challenger bank promises slick budgeting tools, market-leading rates and cashback on everything. Meanwhile, the traditional banks have finally woken up and started building apps that actually work. So which ones are worth your time, and which are all sizzle and no steak?

We use all five of the banks in this guide as part of a multi-account setup that has evolved over several years of hands-on testing. This is not a surface-level comparison based on press releases. It is a practical breakdown of what each app actually does well, where it falls short and how to combine them for maximum benefit.

Why we wrote this guide

Most "best banking app" articles read like they were written by someone who opened each account for ten minutes and copied the features list. We wanted to do something different. Between Monzo, Chase, Zopa Biscuit, Lloyds and First Direct, we have years of real daily usage across all five. We have tested the referral schemes, maxed out the savings pots, lost cards abroad and figured out the little tricks that make each one genuinely useful.

This guide covers what works, what does not and how to get the most out of each one. If you only want one app, we will help you pick. If you are happy running a few accounts in parallel (which is what works best for us), we will show you exactly how to set that up too.

How your money is protected

Before anything else, a quick note on safety. All five banks in this guide hold full UK banking licences and are regulated by the Financial Conduct Authority (FCA). Eligible deposits are protected up to £120,000 per eligible person per UK-authorised bank, building society or credit union by the Financial Services Compensation Scheme (FSCS) (since 1 December 2025). In simple terms, your money is just as safe in Monzo or Zopa Bank as it is in Lloyds.

One thing to note: First Direct shares its FSCS limit with HSBC. If you hold money with both, the £120,000 cap applies across them combined, not separately.

Revolut is now a fully licensed UK bank too (see the Honourable Mentions section below), though its account migration to Revolut Bank UK Ltd is still rolling out, so check your account status in the app.

Monzo: best for budgeting and daily banking

Monzo is the bank we use as our main day-to-day account, and it has been for years. It is the app that gets opened most often, handles our salary, pays our bills and keeps everything visible in one place.

Monzo Bank Ltd is authorised by the FCA and covered by the FSCS. Eligible deposits are protected up to £120,000 per eligible person.

What Monzo does well

The Pots system is the core of why Monzo works so well for everyday banking. You can split your money across multiple ringfenced pots for rent, bills, holidays or anything else you like. Salary Sorter automatically distributes your pay the moment it arrives, which takes the effort out of budgeting entirely.

There is also a handy trick worth knowing. Monzo lets you receive your salary a day early. If you move money into a savings pot before the end of that day, you earn an extra day of interest. Then simply transfer it back out the next morning. It is a small win, but it adds up over the year and takes about ten seconds.

Billsback is another highlight, available on Extra, Perks and Max plans. Each month, Monzo pays back at least 1,000 bills across its customer base, up to £150 per bill. On top of that, the Monzo joint account is genuinely excellent for couples managing household spending together.

Monzo for investing

Monzo has recently launched its own investment feature. The platform is still relatively new, but it already feels more feature-rich than what Chase offers through JPMorgan, with better charts and clearer portfolio views. It will be interesting to see how Monzo develops this further, especially with its Habito acquisition potentially bringing mortgage tools directly into the app.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Where Monzo falls short

Savings rates are decent but not market-leading. Free-tier users get 2.75% AER (variable) on Instant Access Savings Pots, rising to 3.25% AER with a Perks subscription at £7 a month. That is fine, but Zopa Biscuit and Chase both offer better returns without a monthly fee.

The app itself can also feel a bit cluttered and slightly childish in its design compared to the competition. Both Lloyds and Chase feel more polished and grown-up by comparison. One genuine annoyance is that you cannot schedule transfers out of Pots. Chase handles this better with its full current accounts for savings goals, which also allow Direct Debits and standing orders to run from them directly.

Who Monzo may suit: People who want complete visibility over their spending and a bank that makes budgeting effortless. Especially strong as a joint account for couples.

A referral bonus of a random amount between £5 and £50 (most people receive around £10) is available when you sign up. We have the latest details on our Monzo referral page.

Chase: best for cashback and spending abroad

Chase launched in the UK in 2021, backed by JPMorgan, and we were on the waiting list before it even went live. It has since become a permanent fixture in our banking setup, primarily for cashback, overseas spending and as a surprisingly effective savings tool.

Chase is a trading name of J.P. Morgan Europe Limited (FRN 124579), a fully licensed UK bank that is part of JPMorgan Chase & Co. Eligible deposits are protected up to £120,000 per eligible person by the FSCS.

What Chase does well

Chase pays 2% cashback on debit card spending in eligible everyday categories: groceries, restaurants, cafes, takeaways, everyday transport, fuel and public electric vehicle charging points, capped at £20 per month. From 1 June 2026, you need to hold at least £1,000 in total across your Chase saver accounts every day of the month and make at least 15 qualifying payments during the month to remain eligible for cashback the following month. It is not life-changing money, but once you meet the criteria it ticks along passively and can add up to as much as £240 a year. Always check Chase's full cashback terms for the latest eligibility rules.

The linked saver account is also competitive. New customers joining from late December 2025 onwards get a boosted rate of 4.5% AER (variable) for 12 months. Round-ups earn 5% AER on top of that, although Monzo now matches this rate on its own round-ups.

The multi-account system

The feature that has genuinely impressed us most is the multi-account system. Chase lets you open up to 20 extra current accounts for free, each with its own balance and purpose. We used one to save for a mortgage deposit, keeping the money hidden away from our main spending view. More recently, we set up a separate account for the kids' Christmas fund, then simply switched to spending from it in December.

Chase also puts these extra accounts on a separate page in the app, which is better for avoiding temptation than Monzo's Pots sitting right there on your home screen. We actually wish Chase would go further and let you assign specific merchants to specific accounts, similar to what Curve tries to do but with proper bank-level integration. That would be genuinely powerful.

The numberless card: a genuine lifesaver

Chase's debit card has no numbers printed on it. All your card details live securely in the app. This might sound like a gimmick, but it has proven its worth in our household multiple times. A family member with a disability loses their card regularly, sometimes every few months. Every time, Chase replaces it within about three days. More importantly, because the card is numberless, nobody who finds it can use the details to shop online. If you are prone to misplacing your card on a night out, this alone is a compelling reason to carry Chase over a traditional bank card. You can also freeze and unfreeze the card instantly from the app while you retrace your steps.

For travel, Chase is hard to beat. There are no fees for card spending or ATM withdrawals abroad, and you get the Mastercard exchange rate with nothing added on top. It is our go-to card for any overseas trip.

Chase credit card: a frustrating gap

Chase now offers a credit card in the UK too, and it is a reasonable product on its own terms. However, there is one major frustration that catches people out. You cannot set up a Direct Debit from another bank to pay off your Chase credit card. Regular repayments can only come from a Chase current account, on the 27th of each month.

If your salary goes into Monzo or Lloyds (like ours does), this means you either need to fund a Chase current account first, set up a standing order for more than your expected balance (which is confusing and feels wrong for what should be a simple DD), or remember to pay it off manually each month. It is easy to get caught out, and frankly it feels like a deliberate design choice to keep your money inside the Chase ecosystem. Lloyds handles this far better by letting you set up a DD from any bank to pay off their credit card.

Where else Chase falls short

There is no overdraft facility at all. Depending on your perspective, that is either annoying or a useful guardrail against overspending. Chase also does not support cash deposits or joint accounts. For most people, it works best as a secondary spending account rather than a full replacement for their main bank.

If you have investments with JPMorgan Personal Investing, you can view them directly in the Chase app, which is convenient. However, Monzo's newer investment tools already feel more feature-rich with better charts and tracking. JPMorgan also runs new-customer campaigns: the current offer gives new sign-ups 6 months of investing with no management fees, and we keep the latest offer on our JPMorgan Personal Investing referral page. Terms and conditions apply.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

Who Chase may suit: Cashback-focused spenders and frequent travellers who want fee-free overseas use, and anyone who benefits from a numberless card for security.

Get a referral link and the full breakdown on our Chase referral page.

Zopa Biscuit: best for savings interest

Zopa's Biscuit account launched in mid-2025 and immediately stood out for one reason: the Regular Saver. At 7.10% AER (variable) on up to £300 per month, it is one of the highest rates available from any UK current account provider. We have been maxing it out every single month since we opened it.

Zopa Bank Ltd is a fully licensed UK bank. Eligible deposits are protected up to £120,000 per eligible person by the FSCS.

What Zopa Biscuit does well

The Regular Saver is the headline act, and it delivers. You deposit up to £300 a month and watch it grow at 7.10% AER. One genuinely nice touch is that Zopa reports your interest gains both monthly and cumulatively, so you can see exactly how much your savings habit is earning over time. If you max it out consistently, that works out to around £137 in interest over 12 months.

On top of that, your current account balance earns 2% AER (variable), and you get 2% cashback on Direct Debits up to £125 per month. Fee-free spending abroad using the real Visa exchange rate rounds things out nicely for a completely free account.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Our setup is simple: a Direct Debit runs from Monzo straight into the Biscuit Regular Saver pot each month. Set it once and forget it.

Where Zopa Biscuit falls short

There is a setup gotcha worth flagging. When we first opened the account, we set up the Regular Saver too quickly, before a full calendar month had passed. The result was that our first deposit got moved to the current account automatically instead of staying in the pot. It was not a disaster, but it was confusing. Make sure you wait for the first month to complete before expecting the pot to behave as intended.

The app itself is functional but sparse compared to Monzo or Chase. Basic tasks work fine, but the depth and polish you get elsewhere are missing. One odd design choice is the voice-powered money moving feature, which sits in the primary navigation. Banking is private, so the idea of speaking your transactions aloud feels gimmicky rather than genuinely useful. That prime screen space could be far better filled with something practical.

The Zopa Biscuit does not fully support the Current Account Switch Service either, so you will need to move Direct Debits across manually.

Who Zopa Biscuit may suit: Disciplined savers focused on growing savings through regular contributions without paying any fees. Works well as a savings-focused satellite account alongside a main bank.

See our Zopa Biscuit referral page for the latest offer details.

Lloyds: best traditional bank with a modern app

If you want branch access, overdraft facilities and the full weight of a high-street bank behind you, Lloyds is the pick. What surprised us most, though, is just how good the app has become.

The app redesign

The recent Lloyds app redesign is genuinely impressive. Everything feels considered, robust and polished in a way that most banking apps simply do not manage. The overview page is clean and well-organised, and there is a lovely bucking horse animation on scroll that shows real attention to detail. If Monzo sometimes feels childish and Chase feels functional, Lloyds feels like the most "grown up" banking app of the lot. Clearly inspired by the challenger banks, the team has refined things further, particularly on the visual design and information architecture.

Club Lloyds perks

Club Lloyds is the account worth having. For a small monthly fee (waived if you pay in £2,000 or more per month), you get a choice of annual lifestyle perks. We have had Disney+ (with ads) free for two years running by simply setting up a standing order in and out of the account to meet the qualifying criteria. That alone makes the account worth keeping open, even if you barely use it for anything else.

The referral scheme is also generous. Share a link from the app, and both you and your friend get £50 when they open a qualifying current account. You can refer up to five people per calendar year, giving you a potential £250. The referred person needs to be completely new to Lloyds and keep the account open for at least seven days. Lloyds also currently offers a £200 switching bonus for new Club Lloyds customers who use the Current Account Switch Service.

Lloyds credit card: a smart 0% option

One of the better credit card offerings on the high street also comes from Lloyds. Their 0% Purchase and Balance Transfer card currently gives you up to 25 months interest-free on purchases and up to 23 months on balance transfers. We used it as our main day-to-day spending card for a while, and Lloyds offered a higher credit limit than Chase did.

Crucially, you can set up a Direct Debit from any bank to pay off your Lloyds credit card. We pay ours off directly from Monzo each month via DD without any fuss. This is the kind of basic functionality that sounds unremarkable until you hit the same wall with Chase (which we covered above). For a 0% card that you plan to pay off steadily over time, Lloyds makes the admin side painless.

Where Lloyds falls short

The cashback programme is disappointing. It uses an outdated opt-in model where you select specific retailer offers, which feels clunky and old-fashioned compared to the automatic cashback from Chase or Zopa. Savings rates across Lloyds products are also underwhelming compared to the challengers. If earning interest is a priority, you are far better off parking your money in Zopa Biscuit or First Direct.

Overseas spending fees are higher than the challengers too, so Lloyds is not the card to take on holiday.

Who Lloyds may suit: Those who prefer traditional banking with branch access, overdraft facilities and full-service banking, alongside a beautifully designed modern app. Also worth it for the Disney+ perk and the genuinely useful 0% credit card.

Get the details on our Lloyds Bank referral page.

First Direct: best for customer service and the 7% saver

First Direct is a division of HSBC that operates without physical branches. It has topped customer satisfaction surveys for years, and for good reason: the service is consistently excellent. However, we include it in this guide with a significant caveat about the app.

What First Direct does well

The standout feature is the Regular Saver account, which pays a fixed 7.00% AER for 12 months on deposits of £25 to £300 per month. Unlike Zopa's 7.10% (which is variable and could drop), First Direct's rate is fixed for the full year. That certainty has real value if you want to know exactly what you will earn.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

The 1st Account itself is free, with a £250 interest-free overdraft (subject to status) and no fees at all for overseas card spending or ATM withdrawals. First Direct frequently offers a £175 cash bonus for new customers who switch using the Current Account Switch Service, deposit £1,000 and make five card payments within 45 days.

Customer service is genuinely 24/7, UK-based and staffed by real people. If you have ever been stuck in a chatbot loop with another bank, First Direct's phone support feels like a breath of fresh air.

Where First Direct falls short

Here is the caveat: the app is poor. It feels like it was built by several different teams who never spoke to each other. The navigation is disjointed, the design is dated and the overall experience is frustrating compared to Monzo, Chase or even Lloyds. If you care about how your banking app looks and feels (and in 2026, most people do), First Direct will disappoint you.

We use First Direct purely for the 7% Regular Saver and nothing else. The money goes in each month, we check the balance occasionally and that is it. As a daily banking app, it simply cannot compete with the others in this guide.

One more thing to keep in mind: First Direct shares its FSCS protection with HSBC. If you hold money with both, your combined eligible deposits are covered up to £120,000 total across the two, not £120,000 each.

Who First Direct may suit: Those who want a fixed savings rate and world-class customer service, and are happy to overlook a mediocre app in exchange.

Honourable mentions

Starling Bank

Starling is an excellent all-rounder, especially for freelancers and business users. Fee-free international spending, strong budgeting tools and a clean interface make it a solid contender. Starling Bank Ltd holds a full UK banking licence and is FSCS-protected up to £120,000 per eligible person. We have focused on banks with active referral incentives or unique savings features in this guide, but Starling is well worth a look if travel or self-employment is your priority.

Revolut

As of March 2026, Revolut Bank UK Ltd is fully licensed in the UK, authorised and regulated by both the Prudential Regulation Authority (PRA) and the FCA. For eligible deposits held with Revolut Bank UK Ltd, FSCS protection now applies up to £120,000 per eligible person. New customers receive FSCS-protected bank accounts automatically. Existing customers are being migrated from e-money accounts to bank accounts in stages; some existing accounts remain as e-money/safeguarded accounts until migration is complete. You can check your account status in the Revolut app under Account details. Crypto, stocks, and commodities held via Revolut are through separate Revolut entities and are not covered by Revolut Bank UK Ltd's FSCS protection. Revolut offers an enormous range of features, from multi-currency accounts to crypto trading to budgeting tools. If you want a single app that tries to do absolutely everything, it is worth investigating.

Credit cards: Lloyds vs Chase

Both Lloyds and Chase now offer credit cards alongside their current accounts, and both are worth considering. However, the experience of managing them day to day is very different.

Lloyds offers a 0% Purchase and Balance Transfer card with up to 25 months interest-free on new purchases. You can pay it off from any UK bank account via Direct Debit, which makes the admin completely painless. We used ours for everyday spending for several months and are now paying it down steadily from Monzo through a monthly DD.

Chase's credit card is a reasonable product too, but the repayment process is a genuine pain point. Regular repayments can only come from a Chase current account on the 27th of each month. You cannot set up a Direct Debit from Monzo, Lloyds or any other external bank. Your options are to manually fund a Chase account beforehand, set up a standing order for more than your expected balance (which feels confusing for what should be a basic DD), or remember to pay it off by hand each month. It is surprisingly easy to get caught out, and it feels like a deliberate choice to keep your money flowing through Chase rather than a genuine technical limitation.

If you are looking for a 0% card to spread a large purchase, Lloyds is the smarter choice for sheer convenience. Lloyds also gave us a higher credit limit than Chase, which may reflect their longer history of credit assessment.

Credit cards are not covered by FSCS protection. Always pay at least the minimum each month to avoid fees, interest charges and damage to your credit score. 0% periods are introductory and a standard variable rate applies afterwards.

The best banking app UK setup: how we combine them

Here is the honest answer to the best banking app UK question: there is no single winner. The smartest approach is to use several accounts together, each playing to its strengths. Here is exactly how we run ours.

Monzo: the command centre

Salary goes into Monzo (a day early, which is a nice touch). From there, Salary Sorter splits it across Pots for bills, spending and savings. Direct Debits run from Monzo, and Billsback gives us a monthly chance of having a bill refunded. The joint account handles shared household costs. A DD also runs from Monzo to fund the Zopa Biscuit Regular Saver and the Lloyds credit card repayment.

Chase: the spending and travel card

Chase is the card we take abroad for fee-free spending. Cashback ticks away in the background on groceries and transport. We also view our JPMorgan Personal Investing portfolio directly in the Chase app, which keeps investments visible without opening a separate platform. Round-ups continue to build at 5% AER.

Capital at risk. The value of investments can go down as well as up and you may get back less than you invested. Past performance is not a reliable indicator of future results.

Zopa Biscuit and First Direct: the savers

A monthly Direct Debit from Monzo feeds £300 straight into the Zopa Biscuit Regular Saver at 7.10% AER. First Direct's Regular Saver takes another chunk at a fixed 7%. Between the two, regular savings earn more interest than any easy-access account could offer. The combination of one variable rate and one fixed rate also provides a bit of insurance against rate changes.

Lloyds: the safety net and credit card

Lloyds sits in the background as our traditional bank. A standing order in and out keeps the Club Lloyds account active and the Disney+ perk rolling. The 0% credit card is paid down monthly via DD from Monzo. Lloyds is also there when we need branch access, overdraft cover or anything the challengers simply cannot handle.

What this setup earns

Across all five accounts, the combination of cashback, savings interest, referral bonuses, lifestyle perks and 0% credit means we are earning meaningful returns on money that would otherwise sit doing nothing. More importantly, once the initial standing orders and Direct Debits are in place, the whole system runs on autopilot. It takes about ten minutes of setup and almost zero ongoing effort.

Keeping track of it all with Emma

Running five bank accounts sounds like a lot to manage, but the reality is much simpler than it seems. We use the Emma app to pull everything together in one place. Emma connects to all major UK banks via Open Banking and gives you a single dashboard showing every balance, every transaction and every subscription across all your accounts.

Instead of logging into Monzo, Chase, Zopa, Lloyds and First Direct individually, Emma lets you see the full picture at a glance. You can track your net worth, spot duplicate subscriptions you have forgotten about and see exactly where your money is going each month. It is the missing piece that turns a multi-account setup from potentially chaotic into genuinely effortless.

We have written a full Emma app review if you want the detail on how it works, what the free and premium tiers offer and whether it is worth upgrading. For this kind of setup, though, even the free version does the job.

How to pick the best banking app for you

If you only want one account, pick based on your biggest priority. Monzo may suit those who want budgeting visibility and everyday spending oversight. Chase may suit cashback-focused and frequent travellers. Zopa Biscuit may suit those focused on growing savings. Lloyds may suit those who prefer traditional banking with a polished modern app. First Direct may suit those who want a fixed savings rate and outstanding customer service.

However, from our experience, holding more than one gives you the best results. The combination of Monzo for daily spending, Zopa Biscuit and First Direct for savings, Chase for cashback and travel and Lloyds for credit, perks and branch access covers far more ground than any single account could on its own. Each app plays a different role, and together they work brilliantly.

There is nothing complicated about running multiple accounts. Most take under ten minutes to open, and once your standing orders and Direct Debits are set up, the whole thing practically runs itself.

Rates, terms and features can change at any time. Always check the latest details directly with the provider before opening an account or applying for a credit card. This article is for information only and does not constitute financial advice. CoolCuration is not authorised by the Financial Conduct Authority. If you are unsure about any financial decision, consider speaking to an independent financial adviser. CoolCuration may earn a small referral reward if you sign up through links on this page, at no extra cost to you.

FAQs

What is the best banking app in the UK right now?

It depends on what you need. Monzo is a strong all-rounder for daily budgeting. Chase may suit those looking for cashback and overseas spending. Zopa Biscuit offers one of the highest savings rates from a free account. Lloyds is the strongest traditional bank with a modern app. First Direct offers a fixed 7% Regular Saver with world-class customer service. In our experience, using several together gives the best overall results.

Are challenger bank apps safe to use?

Yes. Monzo, Chase, Zopa Bank, Starling and Revolut Bank UK Ltd (for migrated accounts) all hold full UK banking licences. Eligible deposits are covered by the FSCS up to £120,000 per eligible person. Your money is protected in the same way as with any high-street bank.

Can I use more than one banking app at the same time?

Absolutely. There is no limit on how many current accounts you can hold in the UK. In fact, running multiple accounts is one of the most effective ways to maximise cashback, savings interest and referral bonuses. Most accounts take under ten minutes to set up.

Which banking app gives the best sign-up bonus?

Lloyds currently offers £50 for both you and your friend through its referral scheme, plus a £200 switching bonus for Club Lloyds. First Direct offers £175 for switching via CASS. Chase offers a boosted 4.5% AER saver for new joiners. Monzo offers a random bonus between £5 and £50 when you sign up via referral (most people receive around £10). Check our referral pages for the latest details.

Which banking app has the best savings rate?

Zopa Biscuit leads with 7.10% AER (variable) on its Regular Saver, up to £300 per month. First Direct offers 7.00% AER fixed for 12 months on the same deposit limit. Chase's boosted easy-access saver pays 4.5% AER for new customers, and Monzo offers up to 3.25% AER with a Perks subscription at £7 per month. The Bank of England base rate stands at 3.75% as of June 2026.

Do I need to switch my bank to try a new app?

No. You can open Monzo, Chase or Zopa Biscuit in minutes without closing your existing account. Lloyds requires a full CASS switch only if you want the £200 Club Lloyds switching bonus. First Direct requires a CASS switch for its £175 bonus. Otherwise, you can run them all side by side.

Is the Chase numberless card actually useful?

Very. If your card is lost or stolen, nobody can use the details to shop online because the numbers are not printed on the plastic. Chase also replaces lost cards quickly, usually within about three days. It is particularly helpful for anyone prone to losing their card or for family members with accessibility needs.

Can I pay my Chase credit card from another bank?

Not easily. Regular repayments can only come from a Chase current account. You can make a one-off manual payment from another bank using a 16-digit reference number, but you cannot set up a Direct Debit from Monzo, Lloyds or any other external bank. This is one of the most frustrating aspects of the Chase credit card. By comparison, Lloyds lets you pay off their credit card via DD from any UK bank account.

What is the Zopa Biscuit Regular Saver setup gotcha?

If you set up your Regular Saver too soon after opening the account (before a full calendar month has passed), your first deposit may get automatically moved to the current account instead of staying in the saver pot. Wait for the first month to complete before funding the saver to avoid this.

Is the First Direct app any good?

In our experience, no. The app feels dated and disjointed, as though different parts were built by separate teams. It lags well behind Monzo, Chase and Lloyds in terms of design and usability. However, the 7% fixed Regular Saver and exceptional customer service make First Direct worth using purely for savings, even if you never open the app for anything else.

Is Revolut FSCS-protected in the UK?

As of March 2026, Revolut Bank UK Ltd holds a full UK banking licence. Eligible deposits held with Revolut Bank UK Ltd are FSCS-protected up to £120,000 per eligible person. New customers are set up with FSCS-protected bank accounts automatically. Existing customers are being migrated in stages. Check your Revolut app under Account details to see whether your account has moved to Revolut Bank UK Ltd or is still with the previous e-money entity. Crypto and investment products held via Revolut are through separate entities and are not covered by Revolut Bank UK Ltd's FSCS protection.

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