German here. I am using DKB since forever. Not as hip as N26 but pretty solid online bank with free VISA and free cash withdrawals. Unfortunately I have learned that they also invest in funds that ultimately fund weapons manufacturers.

A few years ago I have gotten a joint account with my wife over at GLS. Not as Internet savvy company but finally Apple Pay for their credit cards. They are investing in a lot of green tech, small businesses. Probably they have invest in some esoteric shenanigans but as a customer of that bank you can actually choose where your Money gets invested.

Yeah, DKB is pretty cool. No monthly fees or fees for transactions, get money from ATMs without fee in the whole world (and from all ATMs in Germany) with the DKB credit card.

"Hip" is really the last thing I want in a bank, the N26 advertising totally misses the mark for me. Their technology seems to be kind of crap, too. Security holes due to gross incompetence. https://media.ccc.de/v/33c3-7969-shut_up_and_take_my_money

This is a bit long back. They came a long way now in terms of security.

DKB rejects applications unless you have German PR or citizenship and it is mainly in German.

Here is a DKB subsidiary https://www.dkbcodefactory.com/ advertising as a start-up.

Despite the fact that they have laid off 120 of their staff, Monzo seems pretty good. The people that got laid off seemed to only say good things about working their on Twitter, and most of the developers I follow that work there seem passionate about what they do.

+1 for Monzo. On a slightly different axis, their customer support is excellent and they invest a lot of resources, including technical ones, into making it so.

In the UK, Starling is worth a shot, although Monzo is constantly being mentioned as a good bank in my circles.

I live in the UK and also recommend Monzo. They have a good app but the thing that stood out most to me was the correct use of emoji in their terms and conditions. It is definitely a modern bank.

> was the correct use of emoji in their terms and conditions

That seems like a highly dubious way to evaluate a bank.

Link for the lazy: https://monzo.com/legal/terms-and-conditions/

Ditto on Monzo and Starling. A friend works at Starling and from the stories he's mentioned, they seem like they treat customers and employees with respect.

Personally I use Monzo for personal banking, and Starling for business. Though starling has a personal banking product too.

I have been mostly happy with Alliant Credit Union. https://www.alliantcreditunion.org/

I used to work for Simple and was always very happy with how I was treated along with all the employees of the company.

Bunq (nl). Wonderful bank, support, ethics, API. Not free.

That bank is way more significantly expensive than any other bank. This while in various countries having a bank account is free. I really do not get why Bunq is popular. I also do not have any support problems with my bank, nor does anyone I know need support from their bank.

You pay for the features other banks do not have. Personally, I love their API and their mobile app in general (multiple accounts easy to open and close, multi-pin cards with account routing, virtual cards, etc)