Best current account
Feel pushed ever further out of branches and online? Well, get out of the main street altogether with N26, a fully online bank offering free current accounts.
With more than 1.5 million customers and fully regulated by the ECB, you get a Mastercard debit card and it only charges ATM withdrawal fees if you make more than five withdrawals a month (it’s €2 after that).
It operates in 19 foreign currencies with ultra low non-Euro charges (1.7pc fee vs around 3.5pc with mainstream banks), and its excellent app gives a constant breakdown of your spending (whether you want it or not!) to help with budgeting.