Best app-based bank accounts

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MoneseMonzoRevolutStarling BankCashplus
Account fees & chargesSimple account £0/mCurrent account £0/mStandard account £0/m and £4.99 card delivery feeCurrent account £0/mActiveplus account £5.95/m and £5.95 card issue fee
Current Account Switch ServiceNoYesNoYesNo
Pay direct debitsYesYesYesYesYes
ATM withdrawal limit£200 free per month, 2% charge thereafter£400 free per day, £5,500 free per month£200 free per month, 2% charge thereafterUp to 6 withdrawals a day with a daily limit of £300£500 per day
Arranged overdraft costOverdraft not available19%, 29% or 39% EAR variable, depending on your credit ratingOverdraft not available15%, 25% or 35% EAR variable, depending on your credit ratingVaries depending on your credit limit.
Savings interestN/AN/AN/A0.05% AER on credit balances up to £85,000N/A
Loan facilityNoYesYesYesYes
FSCS protectedNoYesNoYesNo
FCA regulatedYesYesYesYesYes
Deposit cashAny Post Office or Pay PointAny store with PayPointUnable to accept cashAny Post OfficeAny Post Office
Deposit chequesUnable to accept chequesPost cheques to Monzo using FreepostUnable to accept chequesDeposit cheques via the app by taking a photo of the chequeUnable to accept cheques
Fee-free spending abroadUp to £2000YesYesYesYes