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 33 products in the United Kingdom so far, out of 368 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 | licence / structure | reported users |
|---|---|---|---|---|---|
| Revolut | hybrid | London, UK | Custodial | UK banking licence (2024); EU licence (Lithuania) | 50M customers (2025) |
| Wise | traditional | London, UK | Custodial | E-money/payment licences globally | 19M customers (FY26) |
| Monzo | traditional | London, UK | Custodial | UK banking licence | 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 licence (PRA/FCA authorised) | — |
| ANNA Money | traditional | Cardiff, UK | Custodial | E-money | — |
| Atom Bank | traditional | Durham, UK | Custodial | UK banking licence | — |
| 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 licences; 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 licence | — |
| Monese | traditional | London, UK | Custodial | FCA-authorised e-money institution (FRN 900960); UK accounts as agent of PrePay Technologies; owned by Pockit | — |
| OakNorth | traditional | London, UK | Custodial | Full UK banking licence (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 licence | — |
| Ready | web3-native | London, UK | Self-custodial | Self-custodial software | — |
| Sling Money | web3-native | London, UK | Self-custodial | Self-custodial software | — |
| Starling Bank | traditional | London, UK | Custodial | UK banking licence | — |
| 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 licence | — |
| Tap Global | hybrid | London, UK | Custodial | Gibraltar DLT/VASP licence (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 licence (PRA/FCA, Feb 2021, ex-Cashplus); FSCS-protected | — |
| Zopa Bank | traditional | London, UK | Custodial | UK banking licence (2020) | — |
Also verified as available in United Kingdom
16 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 | licence / 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 licence | — |
| Kuda | traditional | Lagos, NG | Custodial | Microfinance bank (NG) | — |
| Robinhood | hybrid | Menlo Park, US | Custodial | Broker-dealer + partner banks; state crypto licences | — |
| Crypto.com | hybrid | Singapore, SG | Custodial | MiCA CASP, MAS MPI, US MSBs | — |
| Coinbase Card | hybrid | San Francisco, US | Custodial | US state licences, MiCA; Public (COIN) | — |
| Bitpanda | hybrid | Vienna, AT | Custodial | MiCA (AT); BaFin licences | — |
| Xapo Bank | hybrid | Gibraltar | Custodial | Gibraltar banking licence | — |
| Uphold | hybrid | New York, US | Custodial | FinCEN MSB + state money-transmitter licences (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 licences; 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 licences; FCA EMI (UK) | — |
| Deel | hybrid | San Francisco, US | Custodial | MSB + US state money-transmitter licences (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 | — |
Common questions
Neobanks in United Kingdom: how many are there?
29 of the 368 neobanks tracked here are headquartered in the United Kingdom. Every entry is verified active and listed on this page with its custody model, licence 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 33 products in the United Kingdom so far, out of 368 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 (63) · Neobanks in Germany (8) · Neobanks in France (11) · Neobanks in Brazil (10) · Neobanks in Argentina (9) · Neobanks in Mexico (11) · Neobanks in Colombia (7) · Neobanks in India (12)
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.