Research sources
Coverage snapshot dated 13 August 2026. BankRanking uses current supervisory, central-bank, bank-group and established market sources to identify major retail providers. This is intentionally a consumer-market shortlist, not an exhaustive register of every licensed credit institution. Exact account fees, rates and promotional terms must be verified with each provider.
Poland
13 major personal-banking providers in the current shortlist.
PKO Bank Polski, Bank Pekao, Erste Bank Polska, ING Bank Śląski, Revolut Bank, Bank Millennium, mBank, Alior Bank, BNP Paribas Bank Polska, Credit Agricole Bank Polska, VeloBank, SGB Bank / SGB cooperative network, Bank Pocztowy
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Germany
11 major personal-banking providers in the current shortlist.
Sparkassen network, Volksbanken Raiffeisenbanken, Deutsche Bank, Commerzbank, ING Germany, DKB, HypoVereinsbank (UniCredit), Santander Germany, Postbank, N26, C24 Bank
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France
13 major personal-banking providers in the current shortlist.
Crédit Agricole, BNP Paribas, Société Générale, Caisse d'Epargne, Banque Populaire, Crédit Mutuel, CIC, La Banque Postale, LCL, BoursoBank, Fortuneo, Hello bank!, BforBank
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United Kingdom
11 major personal-banking providers in the current shortlist.
Lloyds Bank, Barclays, HSBC UK, NatWest, Santander UK, Nationwide, Halifax, Monzo, Starling Bank, Chase UK, first direct
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Italy
13 major personal-banking providers in the current shortlist.
Intesa Sanpaolo, UniCredit, BPER Banca, Banco BPM, Banca Monte dei Paschi di Siena, Crédit Agricole Italia, BNL BNP Paribas, BancoPosta, FinecoBank, Banca Sella, ING Italia, isybank, BBVA
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Spain
11 major personal-banking providers in the current shortlist.
Banco Santander, BBVA, CaixaBank, Banco Sabadell, Bankinter, Unicaja Banco, ABANCA, ING España, Openbank, Kutxabank, Ibercaja
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Netherlands
7 major personal-banking providers in the current shortlist.
ING Nederland, Rabobank, ABN AMRO, ASN Bank, bunq, Triodos Bank, Knab
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Sweden
8 major personal-banking providers in the current shortlist.
Swedbank, Handelsbanken, SEB, Nordea Sweden, Länsförsäkringar Bank, SBAB, Skandia, ICA Banken
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Austria
8 major personal-banking providers in the current shortlist.
Erste Bank & Sparkassen, Bank Austria (UniCredit), Raiffeisen, BAWAG, Volksbank, Oberbank, bank99, easybank
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Belgium
7 major personal-banking providers in the current shortlist.
BNP Paribas Fortis, KBC, Belfius, ING Belgium, Crelan, Argenta, Beobank
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Bulgaria
7 major personal-banking providers in the current shortlist.
DSK Bank, United Bulgarian Bank (UBB), UniCredit Bulbank, Postbank, Fibank, Central Cooperative Bank, ProCredit Bank Bulgaria
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Croatia
7 major personal-banking providers in the current shortlist.
Zagrebačka banka, Privredna banka Zagreb (PBZ), Erste Bank Croatia, OTP banka Hrvatska, Hrvatska poštanska banka (HPB), Raiffeisenbank Austria Croatia, Addiko Bank Croatia
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Cyprus
6 major personal-banking providers in the current shortlist.
Eurobank Limited, Bank of Cyprus, Alpha Bank Cyprus, National Bank of Greece (Cyprus), Ancoria Bank, Société Générale Bank-Cyprus
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Czechia
10 major personal-banking providers in the current shortlist.
Česká spořitelna, ČSOB, Komerční banka, UniCredit Bank Czech Republic & Slovakia, Raiffeisenbank, MONETA Money Bank, Air Bank, Fio banka, Partners Banka, mBank Czechia
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Denmark
7 major personal-banking providers in the current shortlist.
Danske Bank, Nordea Denmark, Nykredit Bank, Jyske Bank, AL Sydbank, Lån & Spar Bank, Sparekassen Danmark
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Estonia
7 major personal-banking providers in the current shortlist.
Swedbank Estonia, Luminor Estonia, SEB Estonia, LHV, Coop Pank, Bigbank, Citadele Estonia
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Finland
9 major personal-banking providers in the current shortlist.
OP Financial Group, Nordea Finland, Danske Bank Finland, S-Bank, Savings Bank Group, Aktia, POP Bank Group, Oma Savings Bank (OmaSp), Bank of Åland
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Greece
6 major personal-banking providers in the current shortlist.
Piraeus Bank, Eurobank, National Bank of Greece, Alpha Bank, CrediaBank, Optima bank
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Hungary
9 major personal-banking providers in the current shortlist.
OTP Bank, MBH Bank, K&H Bank, UniCredit Bank Hungary, Raiffeisen Bank Hungary, Erste Bank Hungary, CIB Bank, Gránit Bank, MagNet Bank
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Ireland
6 major personal-banking providers in the current shortlist.
AIB, Bank of Ireland, PTSB, Revolut Bank, N26, bunq
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Latvia
7 major personal-banking providers in the current shortlist.
Swedbank Latvia, SEB Latvia, Citadele, Luminor Latvia, Rietumu Banka, INDEXO Banka, Bigbank Latvia
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Lithuania
7 major personal-banking providers in the current shortlist.
Revolut Bank, Swedbank Lithuania, SEB Lithuania, Luminor Lithuania, Artea Bank, Citadele Lithuania, Urbo Bank
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Luxembourg
5 major personal-banking providers in the current shortlist.
Spuerkeess, BGL BNP Paribas, Banque Internationale à Luxembourg (BIL), Banque Raiffeisen, POST Finance
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Malta
6 major personal-banking providers in the current shortlist.
Bank of Valletta, HSBC Bank Malta, MeDirect Bank Malta, APS Bank, Lombard Bank Malta, BNF Bank
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Portugal
8 major personal-banking providers in the current shortlist.
Caixa Geral de Depósitos, Millennium bcp, Santander Portugal, novobanco, Banco BPI, Crédito Agrícola, ActivoBank, Bankinter Portugal
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Romania
9 major personal-banking providers in the current shortlist.
Banca Transilvania, BCR, CEC Bank, UniCredit Bank Romania, BRD Groupe Société Générale, Raiffeisen Bank Romania, ING Bank Romania, Exim Banca Românească, Intesa Sanpaolo Bank Romania
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Slovakia
8 major personal-banking providers in the current shortlist.
Slovenská sporiteľňa, VÚB banka, Tatra banka, ČSOB Slovakia, Prima banka, UniCredit Bank Slovakia, 365.bank, mBank Slovakia
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Slovenia
8 major personal-banking providers in the current shortlist.
NLB, OTP banka Slovenia, Intesa Sanpaolo Bank Slovenia, UniCredit Bank Slovenia, Gorenjska banka, Delavska hranilnica, Sparkasse Slovenia, Addiko Bank Slovenia
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