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BankWells is a modern financial platform designed to bring clarity, speed, and precision to everyday money management. Built around how people live and move today, BankWells combines everyday personal banking, high-yield savings, international account controls, and multi-asset trading into one seamless experience. What we offer: Everyday Banking: Real-time account controls, instant virtual cards, biometric security, and clear spending insights. Structured Savings: Tailored savings plans - including Flex Saver, Smart Saver, Fixed Saver, and Premium Saver - designed to help grow your funds with clear returns and flexible terms. International Banking & FX: Manage multiple currencies with live controls and transparent spending while traveling or living abroad. BankWells Trading: Direct access to major FX markets, stocks, ETFs, and digital assets with clear market visibility. BankWells is currently in development and rolling out via private preview access. We are committed to transparency, security, and building a banking experience that truly moves with you.
United Kingdom
3.2
16 reviews
No recent history of asking for reviews
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I keep one virtual card strictly for free trials and online subscriptions, and another for regular shopping. If a site looks questionable, I just delete the virtual card and issue a new one.
Swapped from my legacy bank main account. Modern UI, better rates, no random monthly maintenance fees.
Locked €10,000 into the Fixed Saver at 10.8% for 12 months. The contract terms were transparent rate is fixed at account opening, and priority support responded within 3 minutes when I had a question about interest distribution dates.
Reply from Bankwells
Dear Customer,
Thank you for sharing your experience with our 12-Month Fixed Saver.
Ensuring total transparency around interest terms and offering rapid, reliable support are core commitments for our team. We are delighted to hear that you had a seamless experience opening your account and that our priority support team answered your query promptly.
Thank you for choosing BankWells for your long-term savings goals.
Kind regards,
The BankWells Team
As a contractor handling payments in different currencies having everything in one account makes things much easier. I also like being able to set spending limits on separate virtual cards for business subscriptions it gives me extra peace of mind.
Reply from Bankwells
Dear Customer,
Thank you for sharing your experience.
Supporting contractors and cross-border professionals with seamless multi-currency management is a fundamental priority for us. We are pleased to hear that centralizing your international payouts and utilizing dedicated virtual card controls for software subscriptions is giving you greater peace of mind and simplified accounting.
Thank you for trusting BankWells with your business operations.
Kind regards,
The BankWells Team
Good app overall minimum entry thresholds for fixed savings (€5,000 for Smart Saver, €10,000 for Fixed) might be a bit steep for students or early career workers.
Reply from Bankwells
Dear Customer,
Thank you for taking the time to share your review and feedback.
We appreciate your perspective regarding our entry thresholds for fixed savings plans. While our Smart Saver and Fixed Saver tiers are structured to support higher fixed yields, we fully recognize the importance of providing accessible, high-yield options for students and early-career professionals. Our Flex Saver product is designed to offer flexible growth without high minimum deposit constraints, but constructive feedback like yours is invaluable as our product team evaluates future account tiers and entry requirements.
Thank you for choosing BankWells.
Kind regards,
The BankWells Team
My salary drops in, and before the week starts I can categorize upcoming recurring payments and allocate what’s left into my Flex Saver. Seeing expected bills queued up visualizes my actual disposable income much better than my old bank app ever did.
Reply from Bankwells
Dear Customer,
Thank you for taking the time to share your review.
Providing our members with total clarity over their actual disposable income is a core objective of our platform design. We are delighted to hear that our recurring payment forecasting and Flex Saver features are delivering a clearer, more effective budgeting experience than your previous bank.
Thank you for choosing BankWells to manage your daily finances.
Kind regards,
The BankWells Team
Dedicated spaces for monthly bills vs fun money stop me from accidentally spending rent money on weekends. Exactly what I needed.
Reply from Bankwells
Hi Daniel,
Thank you for the review! Separating your rent money from your weekend spending is one of the exact reasons we built dedicated spaces, so we're thrilled to hear it's keeping your budget on track.
Appreciate you sharing your experience with BankWells!
The BankWells Team
Deposited into the Premium Saver tier (€50k 24 month lock). The 13.2% yield is easily top tier but what actually sold me was having a dedicated account manager who helped walk through the preferential FX options for my international transfers. Everything feels tailored without being overly corporate.
Reply from Bankwells
Hi Amelia,
Thank you for sharing your experience with our Premium Saver plan! We’re delighted to hear that you’re benefiting from the top-tier yield, but even more so that your dedicated account manager provided the tailored, high-touch support you needed for your international FX transfers.
Striking that ideal balance, delivering bespoke, professional service without the rigid corporate friction, is exactly what we strive for with our premium members.
Welcome to the Premium tier, and thank you for banking with BankWells!
The BankWells Team
Had a suspicious charge pop up on an online store late at night. Froze the virtual card directly from the notification prompt within seconds. Generating a fresh virtual card took two taps. Zero hassle.
Reply from Bankwells
Hi Oliver,
Thank you for sharing this!
Knowing you were able to freeze your card directly from the notification prompt late at night and generate a fresh one in just two taps is fantastic to hear. We designed our virtual card controls to put security directly at your fingertips so you can handle unexpected situations instantly and without stress.
We really appreciate your trust in BankWells to keep your money safe!
The BankWells Team
Used BankWells while moving between London and Berlin last month. Having visible multi currency spaces made keeping track of spending super clear. Did not get hit with surprising FX markups either.
Reply from Bankwells
Hi Evie,
Thank you for sharing your experience!
Navigating a move between countries can be stressful enough on its own, so we’re thrilled to hear that the multi-currency spaces helped make tracking your GBP and EUR spending crystal clear. Keeping transparent real-time FX rates without hidden markups is a core priority for us, especially when managing cross-border finances.
The BankWells Team
Moved €5k into the Smart Saver plan for the 9.6% monthly yield. The 6 month lock in period is a fair trade off for that return though I recommend keeping emergency funds in the Flex Saver instead. The auto top up rules make passive saving pretty low friction.
Reply from Bankwells
Hi Henry,
Thank you for sharing your feedback! We’re glad to hear that the Smart Saver plan and automated top-up rules are making passive saving effortless for you. Your point on liquidity is spot on, balancing instant-access cash in the Flex Saver with fixed growth in the Smart Saver is a great strategy.
Appreciate you sharing your approach with the BankWells community!
The BankWells Team
Needed a secondary account to keep spending separate from my main bills. The instant virtual card feature was active right after signup so I was able to buy my train ticket before the physical card even arrived in the post. Clean app interface so far.
Reply from Bankwells
Hi Cormac,
Thank you for sharing your experience! We’re thrilled to hear that the instant virtual card got you moving right away without having to wait for the physical card to arrive in the post. Keeping daily spending organized and separate from main bills should always be that effortless.
Thanks for being part of BankWells, we’re glad you’re enjoying the clean interface!
The BankWells Team
Swapped between Euros and minor currencies on the go while travelling without dealing with shady airport exchange kiosks. Rates updated live without delays.
Reply from Bankwells
Hi Cillian,
Thank you for sharing your experience! Avoiding inflated airport exchange rates and hidden kiosk fees was a core priority when we built our live FX tools, so we’re thrilled to hear how much easier it made managing your currencies while traveling.
Safe travels, and thanks for bringing BankWells along on your trips!
The BankWells Team
Solid security controls, fast app, high savings rates. Does what it says.
Reply from Bankwells
Hi Fintan,
Thank you for the review! We’re thrilled to hear that the app speed, security controls, and savings rates are delivering exactly what you expected.
Thanks for banking with BankWells!
The BankWells Team
Biometric authorization for transfers over a certain amount adds an extra layer of comfort. App feels secure without being clunky.
Reply from Bankwells
Hi Oisin,
Thank you for the review! Striking the right balance between robust security and smooth usability is something we put a lot of focus into, so we’re glad to hear the biometric authentication gives you that extra peace of mind without slowing you down.
Appreciate you sharing your experience with BankWells!
The BankWells Team
The 13.2% yield on Premium Saver sounded almost too high at first glance, but it requires a 24-month lock and €50k minimum, which makes financial sense for long-term structured funds. Great option if you have capital to park, but make sure you don't need liquidity for those two years.
Reply from Bankwells
Hi Alfie,
Thank you for sharing your thoughts on the Premium Saver plan! You’ve summarized the trade-offs perfectly - we designed our highest yield tier specifically for long-term structured capital, where locking in a high guaranteed return makes sense for funds you won't need immediate access to.
Highlighting the balance between high-yielding locked plans and liquidity is super helpful for other community members planning out their savings strategy.
Thanks for being part of the BankWells private preview!
The BankWells Team
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