Monzo vs C6 Bank.
Monzo (M78/100) and C6 Bank (C71/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. A close tie.
| C C6 Bank №30 · BACEN 71 /100 | M Monzo №08 · Central Bank of Ireland 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 71 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 4.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank BACEN | Full bank Central Bank of Ireland |
| Deposit guarantee Per depositor | €250,000 BR.FGC | €100,000 EU.DGS.IE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 2 countries |
| Crypto Coins available | No | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.9 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | — |
| Read review → | Read review → | |
Pick C6 Bank if…
Fastest-growing Brazilian neobank since 2018, ~30M customers. JP Morgan Chase invested in 2021 (40% stake) — adds international banking-as-a-service dimension via C6 Glob (USD account product). The Carbono tier (R$45/mo) is a structural mid-market premium positioned between free Nu Padrão and Itaú Personnalité.
Pick Monzo if…
Pick if you bank in the UK or Ireland and value the best budgeting tools in the category.
- Best for fees Monzo won 2 of 4
- Best for protection C6 Bank won 1 of 2
- Best for reach Tied
- Best for ux C6 Bank won 2 of 2
Monzo vs C6 Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is C6 Bank better than Monzo?
C6 Bank and Monzo are tied 4–4 across 12 dimensions under our v3 methodology. Composite scores: C6 Bank 71/100 vs Monzo 78/100. The right pick depends on which dimension you weight most heavily.
Is C6 Bank or Monzo cheaper?
Monthly fee — C6 Bank: €0; Monzo: €0. Card FX markup — C6 Bank: 4.00%; Monzo: Interbank. Monzo wins more fee rows (2 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, C6 Bank or Monzo?
C6 Bank holds a Full bank licence under BACEN; deposit guarantee per depositor: €250,000. Monzo holds a Full bank licence under Central Bank of Ireland; deposit guarantee per depositor: €100,000. C6 Bank is the stronger pick on regulatory protection.
Where can I use C6 Bank and Monzo?
C6 Bank operates in 1 country; Monzo operates in 2 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.