Revolut vs Monzo.
Revolut (R91/100) and Monzo (M78/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Revolut leads Monzo 7-0.
| M Monzo №08 · Central Bank of Ireland 78 /100 | R Revolut №01 · Bank of Lithuania 91 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 78 /100 | 91 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €1,000 |
| Free ATM Before fee kicks in | €200 /mo | €200 /mo |
| Protection | ||
| Banking licence Tier | Full bank Central Bank of Ireland | Full bank Bank of Lithuania |
| Deposit guarantee Per depositor | €100,000 EU.DGS.IE | €100,000 EU.DGS.LT |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 48 countries |
| Crypto Coins available | No | 280 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 4.7 ★ 367k reviews |
| App store iOS + Android avg | — | 4.6 ★ iOS 4.7 · And 4.4 |
| Read review → | Read review → | |
Pick Monzo if…
Pick if you bank in the UK or Ireland and value the best budgeting tools in the category.
Pick Revolut if…
Pick if you want a real bank licence with crypto, brokerage and FX in one app. The strongest all-rounder under the v3 methodology.
- Best for fees Revolut won 1 of 4
- Best for protection Tied
- Best for reach Revolut won 3 of 3
- Best for ux Revolut won 2 of 2
Revolut vs Monzo — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Monzo better than Revolut?
Under our v3 methodology, Revolut leads Monzo 7–0 across 12 dimensions. Composite scores: Monzo 78/100 vs Revolut 91/100. Revolut is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Monzo or Revolut cheaper?
Monthly fee — Monzo: €0; Revolut: €0. Card FX markup — Monzo: Interbank; Revolut: Interbank. Revolut wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Monzo or Revolut?
Monzo holds a Full bank licence under Central Bank of Ireland; deposit guarantee per depositor: €100,000. Revolut holds a Full bank licence under Bank of Lithuania; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use Monzo and Revolut?
Monzo operates in 2 countries; Revolut operates in 48 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.