The best Revolut alternative depends on what you use it for. Some apps are full UK banks for everyday spending, some are built for spending and withdrawing abroad, some move money between countries, and some combine the cards you already have. Ten apps follow, in no particular order.
Revolut does a lot in one app: spending, saving, travel money and transfers. That's exactly why some people want to split it up, or move to a provider with a UK banking licence, interest on their current account, or a simpler app that does one job well.
The ten apps below are listed alphabetically and in no particular order. Every description comes from the app's own App Store listing, read this week. If you work for yourself, my comparison of Revolut against a popular transfer app for freelancers goes into the business side.
Revolut alternatives at a glance
I checked the free plan column on each app's own App Store listing, as of Oct 2026. Yes means the page names a free app, a free version, a free plan, free posting or open source. Trial only means a time-limited trial. Not stated means the page I read named neither, even where there's a download button, so check the tool's own page before you sign up.
| Tool | Type | Good for | Free plan |
|---|---|---|---|
| Atlantic Money | International money transfer app | Moving large sums across borders | Not stated |
| bunq | European mobile bank | Freelancers and expats with several IBANs | Yes |
| Chase UK | Digital bank | Cashback on everyday spending | Yes |
| Curve Pay | Card-combining smart wallet | Keeping your existing cards | Yes |
| Kroo | UK current account app | Interest on your current account | Not stated |
| Monese | Multi-account money app | Moving between the UK and Europe | Not stated |
| Monzo | UK mobile bank | Splitting bills and tracking spending | Yes |
| N26 | European mobile bank | Banking, saving and investing in Europe | Not stated |
| Starling | UK mobile bank | Using your card abroad with no fees | Yes |
| Wise | International money app | Sending money to many countries | Not stated |
Ten banking and money apps worth a look
Atlantic Money
Best for: Anyone sending a large sum abroad, since every transfer has one flat fee and converts at the live exchange rate with zero markup.
bunq
Best for: Freelancers, sole traders and expats who want several accounts and IBANs, starting on the free plan before upgrading.
Chase UK
Best for: UK residents who want a free account with cashback on everyday card spending and separate saver accounts for different goals.
Curve Pay
Best for: People happy with their current cards who want them combined into one travel card, with cashback and no hidden FX or ATM fees.
Kroo
Best for: Savers who want variable interest on their current account balance itself, with no monthly fees and no minimum balance.
Monese
Best for: People who live, work or study across borders and want GBP, EUR or RON accounts managed from their phone.
Monzo
Best for: UK users who want a free mobile bank account with spending tracking, bill splitting and 24/7 chat support in the app.
N26
Best for: Eurozone users who want to bank, save and invest from one app, with instant transfers and a virtual card for Apple Pay.
Starling
Best for: Travellers who want no fees for card spending or cash withdrawals abroad, plus personal, joint and business accounts.
Wise
Best for: Expats and small firms who send money to family or suppliers abroad, with transfers to 70+ countries at the mid-market exchange rate.
Which app suits which job
- You spend and withdraw cash abroad a lot: Starling.
- You send large sums overseas: Atlantic Money.
- You want to keep your existing cards: Curve Pay.
- You want interest on your current account: Kroo.
- You're a freelancer or expat in Europe: bunq.
Check who protects your money before you move it
A banking app and a bank aren't always the same thing. The Financial Services Compensation Scheme (FSCS) protects deposits at UK banks, building societies and credit unions. It also publishes guidance on how banking licences affect that protection, and it runs a Bank & Savings Protection Checker.
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So before you move your salary, look up the firm that holds your balance in the FSCS checker. Some money apps are payment or transfer firms rather than banks, and they protect your money in a different way. That isn't a reason to avoid them, just a reason to know which kind you're using.
Questions to ask before you switch
- Is it a bank with a UK licence, or a payment or transfer app?
- What does it charge for spending and withdrawing cash abroad?
- Does it pay interest, and on which balance?
- Can your salary go into it, with your own account number and sort code?
- Does it offer joint, business or under-18 accounts if you need them?
- How do you reach a person if something goes wrong?
How to switch your everyday account
If you're moving a UK current account, the bank you're joining may offer the Current Account Switch Service, which moves your payments and direct debits for you. For an app that sits alongside your bank, move one job at a time, such as travel spending first, and keep the old app until a full month of payments has gone through.
For a small business, the rules are a little different. My guide to online business banking accounts covers what to check.
Do you make banking, money transfer or travel money apps? Tool makers can ask to be considered for a featured place on this list.
My plain advice on choosing a Revolut alternative
Work out which part of the app you lean on most, then pick the specialist for that job. Spend abroad a lot? Choose an app with no overseas fees. Send money to family or suppliers? Use a transfer app. Want your salary somewhere with deposit protection? Look the firm up in the FSCS checker first.
And don't close an account until a full month of payments has landed in the new one.
Want your tool on this list? Featured spots and reviews here are paid partnerships. Here's how to partner with me.
Frequently asked questions
What is the best alternative to Revolut?
It depends on what you use it for. UK app banks suit everyday spending, transfer apps suit sending money abroad, and card-combining wallets suit people who want to keep their existing cards.
Is there a Revolut alternative with no fees abroad?
At least one UK bank here says it won't charge for using your card abroad or withdrawing cash at an ATM. Check the latest terms in the app.
Which banking apps are protected by the FSCS?
FSCS protects deposits at UK banks, building societies and credit unions. Use its Bank & Savings Protection Checker to look up a specific firm.
Can I keep my bank and still get travel perks?
Yes. Some apps combine your existing debit and credit cards into one card for spending abroad.
Is there a Revolut alternative for freelancers?
Some apps here offer accounts aimed at freelancers and sole traders, including several account numbers.
How do I switch my salary to a new bank?
Ask your new bank about the Current Account Switch Service, and keep the old account open until a full month of payments has moved.
