We are using Cookies

By Using our website you agree to our terms & conditions

Top10MobileBanks is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way. That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details - and we always welcome your feedback. We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here .

We are an independent professional site supported by referral fees from listed companies. Advertiser Disclosure
Last updated: Oct 2026

Revolut vs. Monzo

Compare features, flexibility, and global use.
1
VS
1
How We Rank
Feature Breakdown
Winner!
1

9.8

Visit Site
1

9.2

Visit Site
Company
Highlights

The multifunctional app includes an account that is free to open, travel benefits, investment opportunities, savings options, smart budgeting tools, currency exchange, money transfers, and more.

Provides their customers with a traditional banking experience. Offering loan programs for borrowing over a specific time frame, along with savings and budgeting options that may help you organise your money.

Fees
Monthly maintenance

Free plan; paid plans £3.99–£55/mo

Free plan; paid plans £5–£17/mo

Free virtual card
Credit Card
Application bonus

Get a £20 welcome bonus when you sign up (T&Cs apply)

Not available

Features
Multi-currency account
Earn interest (EAR)
Cashback
Ways to top up

Card, bank account, cash (fees may apply)

Bank account (fees may apply)

ATM Withdrawals Abroad (free plan)

£200/month free
2% fee above limit 

£200 every 30 days
3% fee above limit 

Trustpilot
360,760 Reviews
65,084 Reviews
Currencies
Location

UK, Europe, Americas, Asia Pacific

UK

Supported account currencies

Hold GBP, EUR, USD and 25+ currencies

GBP only; card usable abroad

Currency exchange fee

No markup Mon–Fri within £1,000/month limit on free plan; 1% applies above

Currency conversion fees may apply, depending on plan (up to ~3%)

Account Types
Personal
Business
Kids

Ages 6-17, linked to a parent account

Ages 16-17 only

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 Takeaways

Revolut offers a range of features for users who want to manage multiple currencies and spend abroad. It provides multi-currency accounts, virtual cards, and certain travel insurance benefits depending on the plan.

Sign Up

Monzo provides UK-focused banking features, including budgeting tools and fee-free spending within the UK. International features are more limited, and currency conversion or ATM withdrawals abroad may incur fees.

Sign Up