The 15 most innovative consumer banks

The Benchmark Series

This post is part of the Benchmark Series, listing the most innovative challenger companies in different traditional markets. These benchmarks are part of the Tuesday in the Design Sprints we do for our enterprise clients.

This week, we’ll be exploring consumer banking. With FinTech startups rising everywhere, we decided to review new mobile offerings all over the world. We focused on banks that have the ambition to develop a full service offering for consumers, leaving out mere P2P payment apps and business solutions. Have fun exploring the world of consumer banking.

Latest Update: July 19, 2017


Atom, UK

Atom was built exclusively for mobile. Redefining what a bank should be, making things straightforward and personal. What’s more, they’re always at hand, because they have packed an entire bank into the App.

BankMobile, USA

BankMobile makes managing your finances affordable, effortless, and financially empowering. They believe you deserve a banking experience that’s enjoyable, regardless of your life stage or lifestyle.

bunq, Netherlands

bunq is an easy way to request, split the bill and pay your friends in real time. Add pictures and emojis whenever it suits you. Forget about IBANs, because you can use your phone contacts for everything.

CoinsBank, UK

CoinsBank is your all-in-one gateway to blockchain services. The CoinsBank Wallet provides a simple way to manage your funds when and where you want. All it takes is the click of a button, the sending of an email or the swipe of your CoinsBank Debit Card.

EQ Bank, Canada

EQ Bank is a different way to bank. They are focused on providing you a better banking experience — one that makes sense in today’s go-anywhere, do-anything world.

Loot, UK

Life’s too short to miss out. That’s why Loot has created a banking experience that shows what you can do, when you can do it and how much it will cost you. They do this through tech. Really smart tech. And they’ve even figured out how to do this without getting you in debt.

Lunar Way, Denmark

Lunar Way pairs modern technology, experience and design with the safety of their partner bank. Manage your daily finances through the Lunar Way app. Mobile. Quick. Simple.

Monese, UK

Monese was founded with the ambitious goal of building a mobile only, instant-open current account for the on-demand age. With the Monese app, customers from all over Europe can open a UK current account in as little as 120 seconds, without the credit checks or residency restrictions imposed by traditional banks.

Monzo, UK

Monzo is a bank as smart as your phone. Built for your smartphone, this is banking like never before. One that updates your balance instantly, gives intelligent notifications, and is actually easy to use.

Moven, USA

The Moven account, card, and app work together to help you understand and manage your spending. Moven is a group of technologists, strategists, designers, data scientists, and financial services specialists on a mission to bring banking to the digital and mobile age.

N26, Germany

Run your entire financial life from your phone. N26 Bank offers a bank account in Europe that you can manage entirely on your smartphone. Their mission is to create the first pan-European bank and make banking more simple, functional and enjoyable. That’s what they call Banking by Design.

Revolut, UK

Revolut is here for those who refuse to settle. Who never stop moving forwards. Who continue to search for new ideas and better experiences in everything they do. Because today’s hyper-connected world deserves a financial partner just as progressive. One that adapts to your needs, gives you control and constantly pushes you into new exciting spaces.

Simple, USA

Simple was started out of frustration with banks. They’re positive, passionate people who are serious about creating an experience for their customers that’s unlike any personal finance product you’ve ever used. They hope it shows.

Starling Bank, UK

Starling is a licensed bank that doesn’t really act like a bank at all. They believe money should work in sync with your life, work, and relationships. Their mission is to create a bank that guides and informs you towards better decisions. By giving you real-time insights, Starling enables you to understand your financial life in a whole new way.

Tandem, UK

When it comes to people’s relationship with money, something isn’t clicking. Money should be a tool to do amazing stuff with. But too often, it feels difficult to use. Tandem is changing that and starting something new. Where our hard-earned cash works for us. And everyone can have a better, happier life with money.


Go Weekly is a lightweight strategic partner for your innovation. We translate trends and ideas into a digital prototype in one week. Working together with companies to make a leap forward in their industry with new products that can match or exceed the benchmarks in this series. Looking to think ahead with us? Get in touch.

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