- Best forFree UK personal and business banking
- FX rateMastercard rate, no markup
- CardYes
Category
Banking E-Wallets
13 wallets in this category, ranked by our overall score.
- Best forTravel spending and an all-in-one app
- FX rateMid-market weekdays; ~1% weekend on Standard
- CardYes
- Best forEveryday UK banking and budgeting
- FX rateMastercard rate, no Monzo markup
- CardYes
- Best forEveryday payments in China
- FX rateFX spread for inbound visitors
- CardNo physical card; QR-code linking bank cards
- Best forMobile money & remittances in Africa
- FX rateApplies on international remittances
- CardLimited
- Best forEveryday no-fee banking in the US
- FX rateN/A (US)
- CardYes
- Best forEveryday banking in the Eurozone
- FX rateMid-market on card payments
- CardYes
- Best forDigital nomads needing EU banking + multi-currency
- FX rate~0.5–1.5% by plan/currency
- CardYes
- Best forSimple everyday banking and payments
- FX rateN/A
- CardYes
- Best forUPI payments & bill pay in India
- FX rateN/A (domestic)
- CardYes
- Best forCashback, saving and investing in one app
- FX rateInterbank on weekdays (limits apply)
- CardYes
- Best forEveryday spending with cashback
- FX rateSmall margin on free; better on higher tiers
- CardYes
- Best forOpening an account without local credit history
- FX rateFX fee on free plan; lower on paid
- CardYes