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This site is a free online resource that strives to offer helpful content and comparison features to our visitors. We accept advertising compensation from companies that appear on the site, which may impact the location and order in which brands (and/or their products) are presented, and may also impact the score that is assigned to it. Company listings on this page DO NOT imply endorsement. We do not feature all providers on the market. Except as expressly set forth in our Terms of Use, all representations and warranties regarding the information presented on this page are disclaimed. The information, including pricing, which appears on this site is subject to change at any time.
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Last update Sunday 23 February 2025

The Best Checking Accounts Compared

Compare International Checking Accounts – Flexible Banking for Global Lifestyles

Choosing the right checking account is essential for managing your money globally. Compare features such as low fees to multi-currency support and secure online banking. Find your ideal account and keep your money accessible wherever life takes you.

1

Revolut

Standard

  • check Free annual fee
  • check One linked account for a family member aged 6-17
  • check 24/7 Chat Support
  • check Multi-currency account

Fee:

FREE

Apply Now

Annual fee: $0

Debit card fee: $0

ATM withdrawals: $0* (within the limits of your plan)

Withdrawals abroad: $0* (within the limits of your plan)

Virtual cards: Yes

Disposable virtual cards: Yes

Online trading: Yes

Multi-currency account: Yes


Revolut is the digital bank used by over 50 million registered users all over the world.

With zero fees, the Standard account also offers instant SEPA transfers and virtual cards without commissions.

When you spend, you also receive RevPoints that allow you to book hotels and experiences at discounted prices or get free airline miles.


Opening an account is very easy and takes 5 minutes. Sign up to Revolut now!



Download the information sheet
2

Wise

Standard

  • check Low fees on international transfers
  • check Real exchange rates with no markups
  • check Hold and convert 40+ currencies instantly
  • check Access to the Wise debit card

Fee:

FREE

Apply Now

Annual fee: $0

Debit card fee: $0

ATM withdrawals: $0* (within the limits of your plan)

Withdrawals abroad: $0* (within the limits of your plan)

Virtual cards: Yes

Disposable virtual cards: Yes – perfect for secure online shopping

Online trading: Yes – trade globally with ease

Multi-currency account: Yes – hold and convert 40+ currencies


The Wise Standard Account makes managing your finances simple, fast, and affordable. Send and receive money in multiple currencies with low, transparent fees and no hidden charges. Whether you’re paying bills, shopping online, or transferring money internationally, Wise gives you total control over your money.

Download the information sheet
3

N26

Standard

  • check $0 monthly account fee – no hidden charges
  • check Free Mastercard debit card for global payments
  • check Instant notifications for every transaction
  • check Smart budgeting tools to manage your money better

Fee:

FREE

Apply Now

Monthly fee: $0

Debit card fee: Free Mastercard included

ATM withdrawals: 2 free withdrawals per month in the Eurozone ($2 per additional withdrawal)

Withdrawals abroad: 1.7% fee on the transaction amount

Virtual cards: Yes

Disposable virtual cards: Yes – for secure online transactions

Multi-currency account: No – Euro-only account

Budgeting tools: Yes – Categories and savings features available in-app


The N26 Standard account offers the perfect combination of simplicity, flexibility, and modern banking features to meet your everyday financial needs. With no annual fees, you can enjoy a seamless banking experience powered by secure mobile access, real-time notifications, and a sleek, user-friendly app. Whether you're managing your finances at home or on the go, N26 provides the tools and features you need to stay in control effortlessly.

Download the information sheet
4

bunq

Free

  • check No hidden fees and transparent pricing.
  • check Multi-currency support with up to 25 sub-accounts.
  • check Eco-friendly: Bunq plants a tree for every €100 spent.
  • check Advanced budgeting tools and real-time spending insights.

Fee:

FREE

Apply Now

Annual fee: Starting from €2.99/month (depending on the plan).

Debit card fee: Free with premium plans.

ATM withdrawals: Free up to a limit, then a small fee applies.

Withdrawals abroad: Free or low-cost, depending on the plan.

Virtual cards: Yes, available for secure online payments.

Multi-currency account: Yes, supports multiple currencies.


Bunq is a modern digital bank designed for travelers and eco-conscious users. With features like multi-currency accounts, free ATM withdrawals abroad, and a unique tree-planting initiative, Bunq combines innovation with sustainability. Its user-friendly app offers advanced budgeting tools, making it a top choice for those who value flexibility and environmental impact.

Download the information sheet
5

Chime

Standard

  • check No monthly fees or hidden charges.
  • check Early direct deposit for faster access to your paycheck.
  • check Automatic savings with round-up transactions.
  • check Fee-free overdraft up to $200 with eligible deposits.

Fee:

FREE

Apply Now

Annual fee: $0.

Debit card fee: Free.

ATM withdrawals: Free at over 60,000 ATMs in the Chime network.

Withdrawals abroad: Not supported (US-focused service).

Virtual cards: Not available.

Multi-currency account: No.


Chime is a fee-free digital bank designed to simplify your finances. With no monthly fees, early direct deposit, and automatic savings features, Chime helps you save effortlessly. While it’s primarily focused on the US market, its user-friendly approach and lack of hidden fees make it a great choice for those looking for a straightforward, no-frills banking experience.


Download the information sheet
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Pecunia Score

Our product scores consist of a combination of the following 3 components:

icon Popularity

Digital Pecunia measures user engagement by tracking the number of clicks each listed brand receives over the past 7 days. The clicks for each brand are compared against those of other brands listed in the same query. As a result, the more clicks a brand receives within a specific query, the higher its score. Digital Pecunia accepts advertising compensation from companies, which may influence their position and, in some cases, may also impact their score.

icon Brand Reputation

This indicator measures the overall reputation of the brand, based on ratings and reviews gathered from reputable online platforms such as Trustpilot. Through detailed analysis, this score provides a quantitative representation of how the brand is perceived in the marketplace

icon Feature & Benefits

The editorial team at Digital Pecunia evaluates and reviews financial products by considering various factors, including the variety of products and services available, user-friendliness, online accessibility, customer support, industry recognition, and more. Each brand is assigned a score based on its performance in these areas.

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What are Checking Accounts?

Checking accounts are essential financial tools that allow you to deposit, manage, and access your money easily and securely. With a checking account, you can make withdrawals, deposits, transfers, and digital payments, simplifying your daily financial activities. You can choose from various options like standard, premium, or business accounts, depending on your personal needs.

When Should You Use a Checking Account?

You should use a checking account if you need a practical and secure way to handle your daily income and expenses. It’s ideal for you if you frequently make transactions such as payments, transfers, or bills. However, if your goal is to grow your savings, a savings account might be a better choice.

Why Should You Use a Checking Account?

A checking account provides instant access to your funds, both online and through ATMs. It’s a fundamental tool for simplifying your finances and ensuring quick, secure transactions. Many checking accounts come with additional features like payment cards, online banking services, and budgeting tools, giving you everything you need in one place.