Comparison
Revolut vs Monzo 2026
An objective comparison — which may suit different needs. Availability and terms may change; verify on official sources.
Category Revolut Monzo
Personal accountOffers a multi-currency account with extensive global features.Provides a consumer-first UK current account focused on daily banking.
BusinessFeatures multi-currency wallets and international tools across various paid plans.Offers a free Lite tier and a Pro tier with accounting integrations.
International transfersSpecializes in global payments with built-in FX capabilities.Supports international payments via SWIFT on specific plans.
Currency exchangeProvides interbank rates up to monthly limits with weekend markups.Charges a 1% fee on foreign-currency payments converted to GBP.
TravelIncludes travel insurance and global spending features on paid plans.Offers fee-free spending abroad on standard accounts.
CardsProvides physical and virtual cards with customizable security settings.Offers a standard debit card with integrated app notifications.
SavingsOffers various savings products integrated into the app.Provides Savings Pots and interest-earning accounts on paid tiers.
Virtual cardsSupports multiple virtual cards for enhanced online security.Offers virtual card functionality for secure online transactions.
AvailabilityOperates globally across 37 countries.Primarily focused on the UK market.
PlansOffers a tiered structure including Standard, Plus, Premium, Metal, and Ultra.Provides a free account with optional paid upgrades for extra features.
FeesUses a complex fee structure based on the chosen subscription plan.Maintains a simplified fee structure for personal and business users.
App experienceFeatures a comprehensive dashboard for banking, crypto, and stocks.Focuses on an intuitive, award-winning interface for daily money management.
EligibilityFully licensed UK bank with FSCS protection up to £120,000.Fully licensed UK bank with FSCS protection up to £120,000.
Last verified September 2026. Always check official Revolut and Monzo terms for current features.
Which may suit you?
Different needs, different fits
Revolut may suit
- Frequent international travelers
- Multi-currency account holders
- Crypto and stock investors
- Users wanting global features
Monzo may suit
- Daily UK banking users
- Those seeking overdrafts
- Joint account users
- Users preferring phone support
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