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My Top 10 Banking Apps in 2023

Digital Banking App Review and Rating

By ColdHardCashPublished 2 months ago 6 min read
My Top 10 Banking Apps in 2023
Photo by Miquel Parera on Unsplash

My Top 10 Digital Banking Apps

In the digital age, mobile banking apps have become indispensable tools for managing our finances. Gone are the days of long queues at brick-and-mortar banks; today, you can handle your financial transactions with a few taps on your smartphone. 2023 is brimming with mobile banking apps, each offering a unique set of features and benefits. In this article, we will take an in-depth look at the top 10 banking apps of 2023, and we’ll rate and review them to help you make an informed choice.


1. Revolut: The Ultimate Travel Companion

Rating: 5/5 Tried and tested. Our Best Digital Account.

Our Number 1 Choice for a Digital Banking App

Revolut has consistently remained a frontrunner in the mobile banking world and for a good reason. It excels in international travel, making it a must-have for globetrotters. Open a free account in minutes from your phone. Revolut has consistently remained a frontrunner in the mobile banking world and for a good reason. It excels in international travel, making it a must-have for globetrotters. With Revolut, you can exchange currencies at interbank rates, save on foreign transaction fees, and manage your finances effortlessly on the go.

Sign up For Your Free Revolut Account HERE


2. Wise: Global Money Transfers Simplified

Rating: 4.8/5

Wise is a Great Digital Banking App for Travellers

Wise, formerly known as TransferWise, specializes in international money transfers. This app is a game-changer for expats, international students, and anyone who deals with cross-border transactions. It offers competitive exchange rates and minimal fees, saving you money on each transfer. Save up to 2x when you send, spend and withdraw 40 currencies, all in one account. you can also Boost your balance with their interest feature.

Sign up For Your Own Wise Account HERE


3. Monzo: A User-Friendly Digital Bank

Rating: 4.5/5

Monzo Bank Has Excellent Features We Like the Joint Account

Monzo has gained a strong following thanks to its user-friendly interface and a range of financial management tools. With instant transaction notifications, budgeting features, and a transparent fee structure, Monzo is a great choice for those who want more control over their spending. Control all your accounts and spending from the Monzo app. Live balance updates, Heads up before your Direct Debits are due, Control how you spend and save with Pots and Splitting your bills easily are just some of the cool Monzo App Features

Sign up For a Monzo Account HERE


4. PayPal: More Than Just Online Payments

Rating: 4/5

Paypal one of the Giants

PayPal, known for its online payment prowess, offers a versatile mobile app. It allows you to manage your PayPal account, transfer money, and even invest in cryptocurrencies. The app’s ease of use and wide acceptance make it a convenient choice for various financial needs. Widley known and accepted as a safe trusted account. The Link creation to request money is an excellent feature to control what you get paid.

Sign up For Your Paypal Account HERE


5. Kroo: The All-in-One Financial Solution

Rating: 4/5

KROO is Raising up the Ranks Fast

Kroo is a fast-emerging player in the mobile banking arena, aiming to provide a comprehensive financial ecosystem . From traditional banking services to budgeting tools and investment options, Kroo is designed for those who want everything under one roof. With great interest rates, current account services, including overdrafts, Direct Debits and standing order services. But the greatest benefit comes from the Kroo debit card, which allows you to spend and withdraw cash without any fees in selected countries.

Join Kroo and Get £5 FREE With my Link Click HERE


6. Starling Bank: Innovative and User-Centric

Rating: 3.9/5

Starling is the full, free UK bank account you can open from your phone.

Starling Bank stands out with its innovative features and customer-centric approach. It offers savings goals, real-time spending insights, and round-ups to help you save effortlessly. If you’re looking for a modern UK banking experience, Starling is worth considering. Starling is the full, free UK bank account you can open from your phone. Over 3,500,000 digital bank accounts opened to date. Get instant alerts whenever you spend. Decide where to cut back or keep going, with a deep dive into your spending habits.

Create Your Starling Bank Account Today — Click HERE


7. Monese: Banking for a Global Lifestyle

Rating: 3.5/5

Monese is Great for Expats and Travellers

Monese targets individuals without a local address, such as ex-pats and travellers. While it provides a convenient solution for accessing banking services abroad, it may have limited offerings compared to larger banks. Build your credit history and savings with the help of Monese Credit Builder to help improve your credit score, and access better value loan rates and other Monese credit products for a secure, financial future.

Get your Monese Account HERE


8. N26: A Sleek Banking Experience

Rating: 3.5/5

N26 Offers a Sleek, Minimalist, Stress-Free, Mobile Banking Experience.

N26 offers a sleek and minimalist mobile banking experience. It’s known for its automatic expense categorization and flexible account options. However, it may not offer as many advanced features as some of the other apps on this list.

You can create your N26 account HERE


9. Chime: A Fresh Approach to Banking

Rating: 3/5

Chime is Passionate About Banking Not Costing You Money

Chime is a US-based app that focuses on providing users with early access to their paychecks, fee-free banking, and savings features. While it has its perks, it may not be as feature-rich as some of the other options on this list. Say goodbye to monthly fees when you bank through Chime They offer No monthly fees and no minimum balance fees, No overdraft fees, and over 60,000 fee-free ATMs at stores like Walgreens, 7-Eleven, CVS Pharmacy, Circle K & more.

Join Chime Banking HERE


10. Chase Bank: A Big Branch Network

Rating: 3/5

Chase Bank Maintains its Status as One of the US Largest and Most Popular Banks

Chase claims to offer one of the largest branch networks in the nation offering simple online and mobile tools to manage your funds. If you have one account with Chase, there’s a good incentive to open up one or two more, with the bank’s relationship benefits. What’s more, the bank shines with its overall customer service. Lacking on the Digital Account only front.

Join Chase HERE


Now it’s Time to Choose Your Perfect Banking App.

By Klugzy Wugzy on Unsplash

As you can see, the world of mobile banking apps is diverse, with options catering to various financial needs. The ideal banking app for you depends on your specific requirements, whether you prioritize international travel, budgeting tools, or fee-free banking.

Before making your decision, consider factors such as: Your Financial Goals, Travel Habits, Budgeting Needs International Transactions and Customer Support.

Remember that our ratings are subjective and based on the features and benefits each app offers as of 2023. Always check for the latest updates and user reviews to make an informed decision.

We hope you find the right App for you. Let us know which App you find the Best.


Some of the articles on this blog contain affiliate links. If you click on them, it may mean that I earn a small commission. You may also benefit from the Referal depending on current offers from each app. My Reviews are not Affected by any qualifying purchases.

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  • C.S LEWIS2 months ago

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