独立新银行评论和现代在线银行

阅读最佳在线银行评论或比较所有金融服务

Bunq

在线银行

Netherlands

办公地点

Australia, Austria, +37

国家

在线银行, 商业银行, 汇款

特征

Wise

在线银行

Australia, +40

办公地点

Australia, Austria, +38

国家

在线银行, 商业银行, 汇款

特征

Qonto

在线银行

France, +3

办公地点

France, Germany, +2

国家

在线银行, 商业银行, 汇款

特征

N26

在线银行

Germany, +1

办公地点

Spain, Germany, +17

国家

在线银行, 汇款

特征

Monzo

在线银行

United Kingdom

办公地点

Australia, United States

国家

在线银行, 商业银行, 汇款, 借贷

特征

OFX

Tailored money transfers for wealthy individuals

United Kingdom, +4

办公地点

197

国家

汇款, 货币兑换

特征

Starling

在线银行

United Kingdom, +1

办公地点

United Kingdom, Germany

国家

在线银行, 商业银行, 汇款

特征

Anytime

商业银行

United Kingdom, +2

办公地点

United Kingdom, Belgium, +1

国家

商业银行

特征

Remitly

汇款

United States, +1

办公地点

Afghanistan, Antigua and Barbuda, +165

国家

汇款

特征

Paysend

汇款

United Kingdom

办公地点

+90

国家

汇款

特征

Cashplus

在线银行

United Kingdom

办公地点

United Kingdom

国家

在线银行, 商业银行

特征

Revolut

在线银行

United Kingdom, +5

办公地点

Australia, Austria, +41

国家

在线银行, 汇款, 加密货币, 投资

特征

Curve

Online payment

United Kingdom, +1

办公地点

United Kingdom, Germany

国家

钱包

特征

Anna

商业银行

United Kingdom

办公地点

United Kingdom

国家

商业银行

特征

Paysera

Lithuania, +2

办公地点

Lithuania, Estonia, +1

国家

在线银行, 商业银行, 汇款, 钱包

特征

Holvi

在线银行

Germany, +2

办公地点

Belgium, Ireland, +5

国家

在线银行, 商业银行

特征

Vialet

在线银行

Lithuania

办公地点

Lithuania, Poland, +2

国家

在线银行, 商业银行

特征

FerratumBank

在线银行

Malta

办公地点

25

国家

在线银行, 返现

特征

Pockit

汇款

United Kingdom

办公地点

+29

国家

汇款, 钱包

特征

比较所有银行

最新评论

完整评论

优点
缺点

Fee-Free ATM Withdrawals: N26 offers 3 free monthly ATM withdrawals, saving you money on access to your cash.
No Monthly Charges: Unlike many banks, N26 provides a free account option, eliminating monthly fees.
English Support: N26’s app, site, and customer service are in English, easing accessibility.
Online Banking: Manage your finances entirely online, no need for physical branches.
Competitive Exchange Rates: N26 provides favorable rates for international transactions, great for travelers.
Instant Transaction Alerts: Receive immediate notifications for all financial activities, aiding spending control and fraud detection.
No Anmeldung Needed: N26 doesn’t demand a registration certificate, making it newcomer-friendly.
Swift Account Opening: You can open an N26 account in about 10 minutes via smartphone and receive your card promptly.

Reduced Features Over Time: N26 introduced fees and limitations, diminishing long-term benefits.
Limited Free ATM Withdrawals: Free withdrawals are capped; exceeding incurs fees.
Account Creation Challenges: Some users face verification delays and post office visits for identity validation.
Two-Factor Authentication Dependency: Access hinges on mobile two-factor authentication, risky if the phone is lost.
Coin Deposits Difficulty: Large coin deposits are challenging; users must exchange coins periodically.
Limited Services: N26 primarily suits daily banking, lacking advanced investment, credit, and mortgage options.
Slow Customer Support: Complaints about sluggish customer support response times persist.
Incomplete Translations: Some app parts may remain in German, despite overall English availability.

完整评论

优点
缺点

Competitive fees
Fast and secure transactions
Easy to use
Wide range of services
Regulated by the Bank of Lithuania
Member of the Single Euro Payments Area (SEPA)

Limited availability
Customer support can be slow to respond
Hidden fees

完整评论

优点
缺点

Full UK current account – you can do all the stuff you can do with a normal bank and more.
Apply quickly from the app without proof of address – you won’t be credit-checked unless you apply for an overdraft.
Slick, fun app that is packed with cool features.
Spend abroad with no fees at the Mastercard exchange rate.
Open a savings account directly from the app with one of the providers Monzo works with.
Deposit cash into the account at any store which shows the PayPoint logo.
Fully FCA-licensed and FSCS-protected.

No bank branches isn’t great for those who prefer face-to-face customer service.
3% charge for overseas ATM withdrawals over £200 – some other digital bank accounts (e.g. Starling Bank) have no such charges.

完整评论

优点
缺点

Effortless Account Setup: Qonto simplifies the account setup process for businesses and contractors, making it accessible for beginners.
Versatile Account Options: Qonto caters to various types of businesses, offering flexibility in account selection.
Real-time Accounting Support: Qonto provides real-time transaction tracking and accounting support, streamlining financial management.
Team Expense Management: Qonto simplifies team expense tracking and reporting, enhancing collaboration.
Customizable Debit Cards: Users can customize debit cards to align with their branding and requirements.

No Physical Branches: Qonto’s online-only approach means there are no physical branches for in-person support.
Limited Availability: Qonto’s availability is subject to geographic restrictions and may not be accessible in every country.

完整评论

优点
缺点

Competitive Rates: Remitly consistently offers cost-effective transfer options, making it an excellent choice for budget-conscious users.
Wide Range of Destinations: With over 85 countries supported, Remitly provides access to numerous global destinations for money transfers.
Variety of Pay-In and Pay-Out Options: Users can choose from multiple funding and receiving methods, including bank deposits, cash pick-up, mobile wallet transfers, and home delivery.
Strong Security Measures: Remitly employs robust security measures, including identity verification, fraud detection, and encryption, ensuring the safety of transactions.
Customer Satisfaction Guarantee: Remitly offers a 100% satisfaction guarantee, providing peace of mind to users in case of issues or delays.
Responsive Customer Service: Users appreciate Remitly’s attentive and helpful customer support.
Mobile App: The mobile app receives high ratings, offering a convenient way to send money from smartphones.

Hidden Fees in Exchange Rate Margin: Approximately 35% of fees are concealed within the exchange rate margin, which can make it challenging to determine the exact cost of a transfer.
Limited Origin Countries: Some origin countries may have limitations on sending money to certain destinations, reducing flexibility for users.
Dated Website Design: Remitly’s website design is considered dated and may not offer the most modern user experience.
Variable Credit Card Processing Fees: Credit card processing fees can vary by location, and users may incur additional charges from their credit card providers.
Additional Bank Fees: Banks may impose extra fees when transferring money, impacting the final amount received by the beneficiary.
Exchange Rate Markups: Remitly’s exchange rates typically range between 0.5% and 2% worse than mid-market rates, potentially leading to slightly higher costs for users.