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Last updated: Oct 2026

Revolut vs. Monzo

Compare and choose the best travel card for you.
1
VS
1
Feature Breakdown
Winner!
1

9.8

Visit Site
1

9.2

Visit Site
Company
Main advantage

Revolut is a renowned financial company, specialising in travel-friendly solutions via its user-friendly app. It offers cashback rewards and saves on fees with a fee-free multi-currency account. This guarantees effortless financial management for travelers exploring the world.

Provides their customers with a traditional banking experience. Offering loan programs for borrowing over a specific time frame, along with savings and budgeting options. Multi-currency account is not available, however you can use card abroad.

Fees
Monthly maintenance

£0 fees

£0 fees

Free card
Application bonus

3 months of Premium account

Not available

Travel Features
Company operation

UK, Europe, Americas, Asia Pacific

UK

Trustpilot
360,760 Reviews
65,084 Reviews
Cash withdrawals – free plan

£200 per month for free (2% fee above)

£200 per month for free (3% fee above)

Ways to top up

Card, bank account

Bank account

Multi-currency account

Hold GBP, EUR, USD and 25+ currencies

Only GBP but you can use the card abroad

Currency exchange fee

Fee-free for up to £1000/mo. (up to 1% above £1000)

Up to 3%

Travel Extras (T&C applied)
Car hire insurance
Medical insurance
Luggage insurance
Winter sport insurance
Banking Features
Physical Cards
Custom card design
Virtual cards

1 free virtual card

Only paid plans

Multi-currency account
Investment features

Numerous options

Limited to 3 options

Earn interest (EAR)
Cashback
Account Types
Personal
Business
Kids

Aged 6-17 in the UK, must be linked to a parent account

Limited to 16-17 years old

Security
Card freeze/unfreeze via app
Disposable virtual cards for single-use
Google Pay & Apple Pay
Real-time transaction monitoring

Bottom Line

Winner!
1
1
Editorial Score

9.8

9.2

Key Advantages

We recommend Revolut as the great choice for the majority of customers. It includes not only all the essential banking features offered by Monzo but also an array of additional benefits with lower fees, including rewards, a multi-currency account, numerous investment features, options for kids’ accounts, advanced budgeting tools, and more.

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Monzo provides most of the core features needed for day-to-day banking, with built-in budgeting tools. For users looking for broader international functionality or additional financial features, Revolut offers a more extensive solution.

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