Depends on what you want to use it for. Transferwise's borderless account and multi currency debit card has served me well for years.

It's worth noting though that they are not a bank. They are a money transfer service and as such not covered by any deposit insurance scheme.

Also, some institutions like stock brokers do not accept payments from Transferwise.

Monzo has also been working well for me, but I only opened the account a couple of months ago. Unfortunately they don't have a web interface, which makes it a bit more fiddly to use than I would like. And they are UK only.

Monzo is better in nearly all ways, except slightly worse exchange rates.

Had nothing but good experiences with Monzo, though admittedly I only use it as a day to day spending account.

All ways? They appear to have _literally_ no way to use any of their services except through a phone "app". No thank you. I don't want a toy bank.

The GP is asking for an alternative to Revolut, which is also an app-based bank. You might be in the wrong thread.

They also have an API, which is what the GP was asking for.

It's only available in the UK, not in the EU.

Register in the UK and then move to the EU and it keeps working just fine. It's not like you need nearby branches...

I've been using Transferwise for quite a while, never had any issues with them. The transfers are quick, fees are low, exchange rates are fair.

TransferWise is lovely, but it is not legally a bank.

Bunq.

For day to day usage you need at least a Premium account which is 8 Euro a month. I loved the user experience for doing iDEAL payments but that's all I used it for so I stopped my subscription.

8 Euro a month is far from reasonable.

If their service is anything like their recruitment process, I would stay away.

www.bunq.com