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A relatively ‘ up-and-coming ’ entry on this list , Monese is certainly no less innovative than other digital banks in its quest to offer users financial service alternatives . Covering current accounts and money transfers and available in 31 EEA countries , the company offers online-only services dealing in Pounds Sterling , Euros and some regional European currencies such as Romanian Leu . With accounts capable of being opened in a matter of minutes without an associated credit check or proof of address confirmation , Monese is a platform championing financial wellness and a seamless digital experience at all times . The bank is currently in talks for future investment which would see it granted ‘ unicorn ’ (£ 1bn + valuation ) status . OCTOBER 2020