N26 Vs. Monzo
Monzo VS N26. Which is better? Both Monzo and N26 are fully regulated and well-trusted international mobile banks, with millions of customers in different countries. Check out which bank we think is best!
Established |
2013 |
2015 |
Trustpilot Rating |
Excellent
|
Great
|
Available for Registration From |
UK, EU, US*(Brazil in a waiting list) |
UK*(USA in a waiting list) |
Regulation
|
||
FCA (UK) |
||
ECB (The Europiean Central Bank) |
||
Cifas |
||
PRA |
||
Other |
BaFin (Germany) |
|
Key Features in a nutshell
|
||
Current & Checking Account (Local & International) |
UK Only |
|
Budgeting & Saving Plans |
||
Online & Offline Payments |
||
Direct Debits (Free) |
UK Only |
|
Cash Withdrawals & Deposits (Local & International) |
||
Cash Top-Ups |
Germany Only |
UK Only |
Save up for a specific goal via sub-accounts |
||
Withdraw and deposit cash for free at retail partners |
Germany only |
|
Web Version (Desktop) |
Freeze/Unfreeze Only |
|
Apple & Google Pay |
||
Safety
|
||
Two-factor payment authentication |
||
Information stored in a secure data center |
||
Fingerprint login |
||
Segregated customer accounts |
||
Card locking from within the App |
||
Deposit protection (Loss compensation guarantee) |
Up to €100,000 |
Up to £85,000 |
Fees & charges
|
||
Free account |
||
Monthly Fee |
Premium plans from €9.90/m |
|
Exchange Rate |
Low, Interbank rate |
Low, Interbank rate |
Direct Debits |
Free |
£1 fee |
Savings interest |
Up to 1.48% interest on saving account (Germany & Austria) |
Up to 1.55% interest on savings over £1,000 (UK only) |
Card delivery fee |
||
Top-Up Methods
|
||
Bank transfer |
||
Debit Card |
UK only |
|
Cash |
Germany, Austria, and Italy |
UK Only |
Cheque |
UK Only |
|
Sending & Receiving Options
|
||
Scheduled & Recurring Payments |
||
Delivery Speed |
|
|
Currencies |
19 |
35 |
Mobile App
|
||
Languages available |
5 |
|
App UX |
5/5 |
4.5/5 |
Mobile Adaptive Website |
||
Spending Visual Statistics (Graphs) |
||
Score |
9.8 |
8.5 |
Overview
|
|
Established |
|
2013 |
2015 |
Trustpilot Rating |
|
Excellent
|
Great
|
Available for Registration From |
|
UK, EU, US*(Brazil in a waiting list) |
UK*(USA in a waiting list) |
Regulation
|
|
FCA (UK) |
|
ECB (The Europiean Central Bank) |
|
Cifas |
|
PRA |
|
Other |
|
BaFin (Germany) |
|
Key Features in a nutshell
|
|
Current & Checking Account (Local & International) |
|
UK Only |
|
Budgeting & Saving Plans |
|
Online & Offline Payments |
|
Direct Debits (Free) |
|
UK Only |
|
Cash Withdrawals & Deposits (Local & International) |
|
Cash Top-Ups |
|
Germany Only |
UK Only |
Save up for a specific goal via sub-accounts |
|
Withdraw and deposit cash for free at retail partners |
|
Germany only |
|
Web Version (Desktop) |
|
Freeze/Unfreeze Only |
|
Apple & Google Pay |
|
Safety
|
|
Two-factor payment authentication |
|
Information stored in a secure data center |
|
Fingerprint login |
|
Segregated customer accounts |
|
Card locking from within the App |
|
Deposit protection (Loss compensation guarantee) |
|
Up to €100,000 |
Up to £85,000 |
Fees & charges
|
|
Free account |
|
Monthly Fee |
|
Premium plans from €9.90/m |
|
Exchange Rate |
|
Low, Interbank rate |
Low, Interbank rate |
Direct Debits |
|
Free |
£1 fee |
Savings interest |
|
Up to 1.48% interest on saving account (Germany & Austria) |
Up to 1.55% interest on savings over £1,000 (UK only) |
Card delivery fee |
|
Top-Up Methods
|
|
Bank transfer |
|
Debit Card |
|
UK only |
|
Cash |
|
Germany, Austria, and Italy |
UK Only |
Cheque |
|
UK Only |
|
Sending & Receiving Options
|
|
Scheduled & Recurring Payments |
|
Delivery Speed |
|
|
|
Currencies |
|
19 |
35 |
Mobile App
|
|
Languages available |
|
5 |
|
App UX |
|
5/5 |
4.5/5 |
Mobile Adaptive Website |
|
Spending Visual Statistics (Graphs) |
|
Score
|
|
9.8 |
8.5 |