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The 5 best online banks in Europe

Online banks | See the top options

We are the Webcookie and today we’re going to cover the top 5 online banks in Europe.

Our company specializes in web development, e-shop development and internet advertising.

Technology has redefined the way we manage our finances, with online banks increasingly taking over the market in Europe. But which ones are worth considering as the best?

Evaluation criteria in online banking

Before we analyze the top online banks, let’s define the criteria on which the evaluation will be based:

Security measures

Safety is always a top priority. A good online bank should have advanced security measures in place to protect the data of its customers.

User experience

User experience is crucial. A good online bank should provide a pleasant and smooth user experience, without limitations or problems.

Variety of services

An ideal online bank should offer a wide range of services, from bank transfers to innovative payment solutions.

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Top 5 online banks in Europe

Having established the criteria, let’s look at the top five online banks in Europe:


Monese provides a reliable and flexible platform, with excellent security measures and ease of use.


Revolut is known for its low fees and advanced technology, making it one of the top options in Europe.


Wise (formerly TransferWise) stands out for its cheap and fast international money transfers, with transparent fees and competitive exchange rates.


N26 is one of the most popular online banks in Europe, offering flexible and innovative solutions to its users.

Deutsche Bank

Deutsche Bank provides an excellent platform with a variety of services and a focus on customer service.

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Comparison of features and benefits

As each online bank has its own advantages, it is important to compare their features and benefits before making a choice.

Customer reviews and ratings

Reviews and ratings from real users can provide valuable information for choosing the right online bank.

Conclusion: Choosing the best online bank

Based on the above criteria and comparisons, choosing the best online bank depends on your individual needs and preferences.

FAQs about online banking in Europe

  1. What is the main difference between an online bank and a traditional bank?
    • Online banks operate exclusively through the internet, while traditional banks have physical branches.
  2. How can I ensure the security of my financial information in an online bank?
    • Using strong passwords and enabling double authentication.
  3. What are the fees I may have in an online bank?
    • Fees vary depending on the bank and the type of account.
  4. Can I make international transfers with an online bank?
    • Yes, most online banks offer international transfer services at a low cost.
  5. How do I open an account with an online bank?
    • The process varies depending on the bank, but you can usually do it online via the bank’s website.

Seek more information and advice from experts before you decide on the best online bank for you.

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One of the main priorities of online banks is to improve customer service. This includes increasing their accessibility through various communication channels, such as telephone support, email, live chat and of course mobile phone applications. The ability to quickly and efficiently solve any problems or questions customers may have is crucial to the success of an online bank.

Innovation in services:

One of the biggest challenges for online banks is to constantly innovate their services. This includes integrating new technologies such as artificial intelligence and machine learning to improve the customer experience, as well as creating new services to meet their needs. Examples include the possibility of mobile phone payments, the integration of multiple currencies in bank accounts and temporary options exclusively for digital transactions.

Community development:

Another trend seen in online banks is the growth of their customer community. This can be done through various means, such as discussion forums, competitions and social activity events. Creating an active and collaborative community can help customers feel connected to the bank and encourage the sharing of knowledge and experiences.

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Social responsibility:

Beyond the services they offer, many online banks seek to exercise social responsibility and contribute to the betterment of society. This may include donating profits to charities, supporting environmental initiatives or even providing educational programmes to raise consumer financial awareness.

Online banks continue to evolve and adapt to customer needs and market trends. With the right strategy and commitment to providing high quality services, they can continue to be competitive and innovative in the digital banking space.

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