★★★★★
“Switched from my old bank in one lunch break — the switch service moved every direct debit perfectly. The round-ups have quietly saved me over £900 this year and I honestly haven't noticed.”
Priya Okafor
NHS physiotherapist, Leeds
Keel is the current account that quietly does the hard work — sorting your spending, rounding up savings, and flagging trouble before it costs you. Open an account in about 7 minutes.
4.9/5 from 38,000+ app store reviews
No jargon, no waiting on hold, no mystery fees. Just an account that works as hard as you do.
Every transaction is categorised the instant it happens. Set monthly budgets per category and Keel nudges you before you drift, not after.
Create pots for whatever's next — a holiday, a house, a rainy Tuesday. Round-ups, scheduled top-ups, and payday sweeps fill them without you thinking about it.
Real exchange rates with zero markup, fee-free card spending in 180+ countries, and salary paid up to a day early when your employer sends it.
Keel is a fully licensed UK bank. Every account is protected by layered security and the same deposit guarantee as the high-street names.
Eligible deposits covered up to £85,000 by the UK's Financial Services Compensation Scheme.
Face and fingerprint sign-in, device binding, and instant card freeze from the app.
Machine-learning monitoring reviews every transaction in real time, day and night.
Real people in-app around the clock. Median first response: under 90 seconds.
“Switched from my old bank in one lunch break — the switch service moved every direct debit perfectly. The round-ups have quietly saved me over £900 this year and I honestly haven't noticed.”
“I travel for work constantly and used to lose £30–40 a month to card fees. With Keel it's zero, everywhere. The real-time notifications also caught a skimmed card in Portugal within seconds.”
“As a freelancer my income is lumpy. The payday sweep and bill pot mean rent money is set aside the moment an invoice lands. First bank that's ever matched how I actually get paid.”
Yes. Keel Bank Ltd holds a full UK banking licence and is authorised by the PRA and regulated by the FCA and PRA. Eligible deposits are protected up to £85,000 by the FSCS — exactly the same protection as any high-street bank.
Most people finish in about 7 minutes. You'll need a photo ID and a short selfie video for verification. Your virtual card works immediately; the physical card arrives in 2–3 working days.
Yes — Keel uses the Current Account Switch Service (CASS). Your balance, direct debits, standing orders, and incoming payments all move across within 7 working days, guaranteed, and your old account closes automatically if you want it to.
The everyday account is free — no monthly fee, no FX markup, and free UK bank transfers. Keel Plus (£4.99/month) adds travel insurance, a metal card, and higher cash-withdrawal limits abroad. There are no hidden fees on either plan; our full price list is one page long.
Cash can be deposited at 11,000+ PayPoint locations across the UK (a small per-deposit fee applies). Cheques can be deposited by photo directly in the app — snap both sides and the money typically clears in 2 working days.
Open your free account in about 7 minutes. No branch visit, no paperwork, no monthly fee.
FSCS protected · FCA regulated · Cancel anytime