Best Timo Alternatives in 2026
The top Timo alternatives are Starling Bank, bunq and Monzo: 15 neobank apps our editors would look at instead of Timo, in our ranking order.
Timo: A free personal banking app for domestic payments, savings goals and cash-flow tracking. Where it falls short: does not support outward international transfers.
Switching from Timo? For most neobank apps buyers the best Timo alternative is Starling Bank, built for uK customers wanting a versatile everyday bank. bunq offers the most supported currencies (20 currencies).
Why People Look for a Timo Alternative
- Does not support outward international transfers
- Published savings rates apply to term deposits, not standard savings accounts
- Cash deposits are limited to eligible customers using BVBank branches or CRM machines
- No international transfers — 7 of the alternatives below have it
Quick Picks by What You Need
- Best overallStarling Bank9.3
UK customers wanting a versatile everyday bank
Visit Starling Bank - Best free optionStarling Bank9.3
Has a free plan
Visit Starling Bank - Most supported currenciesbunq9.2
20 currencies
Visit bunq - Best for international transfersStarling Bank9.3
International transfers (Timo: no)
Visit Starling Bank
All 15 Timo Alternatives, Ranked
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
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Best forUK customers wanting a versatile everyday bank
- Better than Timo:
- International transfers
- Editor score 9.3 vs 6.1
A no-monthly-fee UK bank account with budgeting, payments and savings tools.
- Cash deposit support
- International transfers
9.3/10★★★★★Visit Starling Bank -
Best forPeople needing flexible personal and business accounts
- Better than Timo:
- International transfers
- Editor score 9.2 vs 6.1
Flexible European banking with personal and business accounts, cards, and international transfers.
- Cash deposit support
- International transfers
9.2/10★★★★★Visit bunq -
Best forUK users seeking budgeting and card controls
- Better than Timo:
- International transfers
- Editor score 9.1 vs 6.1
A free UK current account with budgeting tools, card controls and paid feature tiers.
- International transfers
9.1/10★★★★★Visit Monzo -
Best forBusinesses managing multi-currency spending
- Better than Timo:
- International transfers
- Editor score 8.9 vs 6.1
A business account for managing international money movement, cards, and expenses across teams.
- International transfers
8.9/10★★★★☆Try Revolut Business -
Best forUS users wanting no-fee checking and Zelle
- Better than Timo:
- Editor score 8.7 vs 6.1
Everyday checking with Zelle, cash deposits, and eligible early direct deposit.
- Early pay access
- Cash deposit support
8.7/10★★★★☆Visit Capital One -
Best forKakaoTalk users seeking transfers and savings options
- Better than Timo:
- International transfers
- Editor score 8.6 vs 6.1
A mobile-only personal bank built around KakaoTalk transfers and savings options.
- Cash deposit support
- International transfers
8.6/10★★★★☆Visit KakaoBank -
Best forJapan-based users seeking yen and foreign-currency banking
- Better than Timo:
- International transfers
- Editor score 8.5 vs 6.1
A free-to-open Japanese online bank for everyday yen banking and remittances.
- Cash deposit support
- International transfers
8.5/10★★★★☆Visit Rakuten Bank -
Best forBrazilian users who use Pix and savings goals
- Better than Timo:
- Editor score 8.4 vs 6.1
Nubank pairs everyday Pix payments with goal-based savings in a free mobile account.
8.4/10★★★★☆Visit Nubank -
Best forUS users focused on savings goals and early deposits
- Better than Timo:
- Editor score 8.3 vs 6.1
Free mobile banking with goal-based savings, round-ups and early eligible direct deposits.
8.3/10★★★★☆Visit Current -
Best forPeople who want automated savings Spaces
- Better than Timo:
- Editor score 8.2 vs 6.1
A neobank for organizing money and automating savings through Spaces.
8.2/10★★★★☆Visit N26 -
Best forSoFi members seeking broader money tracking
- Better than Timo:
- Editor score 8.1 vs 6.1
Free account tracking and budgeting extend SoFi beyond banking, with Coach access tied to membership.
8.1/10★★★★☆Visit SoFi -
Best forUK users wanting free banking with interest
- Better than Timo:
- Editor score 8.0 vs 6.1
A free UK current account with interest, savings Pots and fee-free foreign card spending.
8.0/10★★★★☆Visit Kroo Bank -
Best forPeople who want shared Pockets and investing
- Better than Timo:
- Editor score 7.9 vs 6.1
A flexible European money app with shared IBAN Pockets and investing, but conditional free pricing.
7.9/10★★★★☆Visit Vivid Money -
Best forMulti-currency users wanting a free entry plan
- Better than Timo:
- International transfers
- Editor score 7.8 vs 6.1
A mobile money account with GBP, EUR and RON options and a free entry plan.
- International transfers
7.8/10★★★★☆Visit Monese -
Best forMobile savers who also need mortgage tracking
- Better than Timo:
- Editor score 7.7 vs 6.1
A mobile-first option for UK savers who want savings accounts and mortgage tracking in one app.
7.7/10★★★★☆Visit Atom bank
Timo Alternatives: Common Questions
What is the best alternative to Timo?
Starling Bank: #1 in our Neobank Apps ranking, with an editor score of 9.3 out of 10. A no-monthly-fee UK bank account with budgeting, payments and savings tools.
Is there a free alternative to Timo?
Yes. Starling Bank, bunq, Monzo, Capital One 360 Checking and KakaoBank have a free plan or a free tier (14 of the 15 alternatives on this page).
Why do people look for Timo alternatives?
Does not support outward international transfers; Published savings rates apply to term deposits, not standard savings accounts; Cash deposits are limited to eligible customers using BVBank branches or CRM machines.
Which Timo alternative has the most supported currencies?
bunq, with 20 currencies.
How do I switch from Timo?
Export your data from Timo (most tools have an export in their settings). Sign up for the alternative; start on its free plan or trial if it has one. Import your export and set up the integrations your team relies on. Run both side by side for a short while, then cancel Timo.
How to Switch from Timo
- Export your data from Timo (most tools have an export in their settings).
- Sign up for the alternative; start on its free plan or trial if it has one.
- Import your export and set up the integrations your team relies on.
- Run both side by side for a short while, then cancel Timo.
Timo vs Each Alternative
| # | Tool | Free plan | Paid from | Account scope | International transfers | Score |
|---|---|---|---|---|---|---|
| 30 | Timo | Yes | Free | Personal | No | 6.1 |
| 1 | Starling Bank | Yes | Free | Both | Yes | 9.3 |
| 2 | bunq | Yes | €3.99/mo | Both | Yes | 9.2 |
| 3 | Monzo | Yes | £3/mo | Yes | 9.1 | |
| 4 | Revolut Business | No | Yes | 8.9 | ||
| 5 | Capital One 360 Checking | Yes | Free | Personal | 8.7 | |
| 6 | KakaoBank | Yes | Free | Personal | Yes | 8.6 |
| 7 | Rakuten Bank | Yes | Free | Both | Yes | 8.5 |
| 8 | Nubank | Yes | Free | 8.4 | ||
| 9 | Current | Yes | Free | 8.3 | ||
| 10 | N26 | Yes | 8.2 | |||
| 11 | SoFi | Yes | 8.1 | |||
| 12 | Kroo Bank | Yes | Free | Personal | No | 8.0 |
| 13 | Vivid Money | Yes | €6.90/mo | Both | 7.9 | |
| 14 | Monese | Yes | £29.95/yr | Yes | 7.8 | |
| 15 | Atom bank | Yes | Free | Both | 7.7 |
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update