Best completely free bank accounts UK 2026. No monthly fees, FSCS protected, great apps. Compare Monzo, Starling and Chase UK.
There’s no reason to pay a monthly fee for a basic bank account in 2026. Here are the best completely free options.
Free current account, instant notifications, savings pots with interest, budgeting tools, no overseas fees. One of the best apps in the market.
Monthly fee: £0 · FSCS protected: Yes
Very similar to Monzo — free current account, great app, savings spaces, no foreign fees. Strong alternative worth considering.
Offers 1% cashback on spending (currently) and a competitive savings rate. Backed by JPMorgan. Good if cashback matters to you.
For most people, Monzo is the safest starting point — longest established, best features, genuinely competitive free account. You can always open a second account later.
The UK’s most popular digital bank. Free account, savings pots, instant notifications. 10 minutes to open.
Open Monzo Free →All accounts mentioned are FCA regulated. FSCS protection up to £85,000 for fully licensed banks.