Neobanks in United Kingdom
These 29 are headquartered in the United Kingdom — parsed from the registered base of each company, so the count is complete. Availability is a different and much harder question: it is verified for 34 products in the United Kingdom so far, out of 382 tracked, so a neobank missing from the second table below has not been ruled out — it has not been checked. Corrections are welcome on GitHub.
The 29 based in United Kingdom
| neobank | type | hq | custody | license / structure | reported users |
|---|---|---|---|---|---|
| Revolut | hybrid | London, UK | Custodial | UK banking license (2024); EU license (Lithuania) | 50M customers (2025) |
| Wise | traditional | London, UK | Custodial | E-money/payment licenses globally | 19M customers (FY26) |
| Monzo | traditional | London, UK | Custodial | UK banking license | 12M customers (2025) |
| Algbra | traditional | London, UK | Custodial | E-money institution (FCA, FRN 952360, UK) | — |
| Allica Bank | traditional | Milton Keynes, UK | Custodial | Full UK banking license (PRA/FCA authorised) | — |
| ANNA Money | traditional | Cardiff, UK | Custodial | E-money | — |
| Atom Bank | traditional | Durham, UK | Custodial | UK banking license | — |
| Bleap | web3-native | London, UK | MPC self-custodial | MPC self-custody; MC principal member | — |
| CEX.IO Card | hybrid | London, UK | Custodial | MSB (FinCEN) + US state money-transmitter licenses; UK FCA cryptoasset registration; EU VASP (Lithuania) | — |
| Chase UK | traditional | London, UK | Custodial | UK subsidiary of JPMorgan | — |
| Curve | traditional | London, UK | Custodial | E-money institution (FCA UK, FRN 900926); EEA via Curve Europe UAB EMI (Bank of Lithuania) | — |
| Holyheld | web3-native | London, UK | Self-custodial | E-money partners (EU); non-custodial top-ups | — |
| Kestrl | traditional | London, UK | Custodial | Accounts and cards issued by AF Payments Ltd, FCA-authorised e-money institution (FRN 900440) | — |
| Kroo | traditional | London, UK | Custodial | UK banking license | — |
| Monese | traditional | London, UK | Custodial | FCA-authorised e-money institution (FRN 900960); UK accounts as agent of PrePay Technologies; owned by Pockit | — |
| Morse | web3-native | London, UK | Self-custodial | MiCA-licensed (Avian Labs Netherlands B.V.) | — |
| OakNorth | traditional | London, UK | Custodial | Full UK banking license (PRA/FCA, 2015) | — |
| Plutus | hybrid | London, UK | Custodial | E-money card via Modulr (FCA EMI; Lithuanian EMI for EEA); PLU rewards self-custodial | — |
| Pockit | traditional | London, UK | Custodial | E-money via FCA-authorised EMIs (Modulr, PSI-Pay); owns Monese's EMI license | — |
| Ready | web3-native | London, UK | Self-custodial | Self-custodial software; card via Kulipa (non-EEA cut Jun 2026; issuer wound down Jul 2026) | — |
| Starling Bank | traditional | London, UK | Custodial | UK banking license | — |
| Suits Me | traditional | Cheshire, UK | Custodial | E-money accounts issued by PrePay Technologies (FCA EMI, FRN 900010); Suits Me acts as agent/programme manager | — |
| Tandem Bank | traditional | London, UK | Custodial | UK banking license | — |
| Tap Global | hybrid | London, UK | Custodial | Gibraltar DLT/VASP license (GFSC, No. 25532); cards via Transact Payments EMI | — |
| Tide | traditional | London, UK | Custodial | E-money; deposits via ClearBank | — |
| Wirex | hybrid | London, UK | Custodial | E-money institution (FCA, FRN 902025); crypto via Wirex Digital Services VASP (OAM Italy) | — |
| Xverse | web3-native | London, UK | Self-custodial | Self-custodial software | — |
| Zempler Bank | traditional | London, UK | Custodial | Full UK banking license (PRA/FCA, Feb 2021, ex-Cashplus); FSCS-protected | — |
| Zopa Bank | traditional | London, UK | Custodial | UK banking license (2020) | — |
Also verified as available in United Kingdom
17 more products are verified as available to customers in United Kingdom without being based there. This list is as complete as the availability field, which is to say partial.
| neobank | type | hq | custody | license / structure | reported users |
|---|---|---|---|---|---|
| GoHenry | traditional | New York/London | Custodial | Partner bank (Community Federal Savings Bank, US); UK cards via FCA-regulated e-money issuer | — |
| Wahed | traditional | New York, US | Custodial | SEC-registered investment adviser; broker/custody via Apex Clearing (FINRA/SIPC) | — |
| Klarna | traditional | Stockholm, SE | Custodial | Swedish banking license | — |
| Kuda | traditional | Lagos, NG | Custodial | Microfinance bank (NG) | — |
| Robinhood | hybrid | Menlo Park, US | Custodial | Broker-dealer + partner banks; state crypto licenses | — |
| Crypto.com | hybrid | Singapore, SG | Custodial | MiCA CASP, MAS MPI, US MSBs | — |
| Coinbase Card | hybrid | San Francisco, US | Custodial | US state licenses, MiCA; Public (COIN) | — |
| Bitpanda | hybrid | Vienna, AT | Custodial | MiCA (AT); BaFin licenses | — |
| Xapo Bank | hybrid | Gibraltar | Custodial | Gibraltar banking license | — |
| Uphold | hybrid | New York, US | Custodial | FinCEN MSB + state money-transmitter licenses (US); FCA-registered cryptoasset firm (UK) | — |
| Nexo | hybrid | Zug, CH | Custodial | EU VASP registrations; MiCA CASP application pending; EEA served via MiCA-licensed Tangany + DLT Finance | — |
| Krak | hybrid | San Francisco, US | Custodial | US state licenses; MiCA (EU) | — |
| COCA | hybrid | Dubai, AE | MPC self-custodial | MPC self-custody; e-money card partners (UK/EU) | — |
| Chipper Cash | hybrid | San Francisco, US | Custodial | Licensed e-money/payments across Africa (CBN, BoG, BoU, BNR); 40+ US money-transmitter licenses; FCA EMI (UK) | — |
| Deel | hybrid | San Francisco, US | Custodial | MSB + US state money-transmitter licenses (DPayments); US wallet via Alviere/CFSB; DLUSD via Bridge | — |
| Gnosis Pay | web3-native | Zug, CH | Self-custodial | E-money via Monavate (UK/EU); funds in your own Safe | — |
| Yolat | traditional | Lagos, NG | Custodial | FINTRAC MSB + Bank of Canada RPAA PSP (CA); IMTO (CBN, NG) | — |
Common questions
Neobanks in United Kingdom: how many are there?
29 of the 382 neobanks tracked here are headquartered in the United Kingdom. Every entry is verified active and listed on this page with its custody model, license detail and the regions it serves.
Which are the biggest neobanks in United Kingdom?
By self-reported users, Revolut, Wise and Monzo. Only 3 of these 29 disclose a user figure, so treat any ranking by size as partial rather than complete.
How is this list of neobanks in United Kingdom built?
These 29 are headquartered in the United Kingdom — parsed from the registered base of each company, so the count is complete. Availability is a different and much harder question: it is verified for 34 products in the United Kingdom so far, out of 382 tracked, so a neobank missing from the second table below has not been ruled out — it has not been checked. Corrections are welcome on GitHub.
Related
Neobanks in United States (66) · Neobanks in Canada (6) · Neobanks in Germany (8) · Neobanks in France (11) · Neobanks in Brazil (12) · Neobanks in Argentina (10) · Neobanks in Mexico (11) · Neobanks in Colombia (7)
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.