Monzo vs Conta Azul.
Monzo (M78/100) and Conta Azul (C45/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Monzo leads Conta Azul 6-1.
| C Conta Azul №83 · BACEN 45 /100 | M Monzo №08 · Central Bank of Ireland 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 45 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €89 /mo | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. BACEN | Full bank Central Bank of Ireland |
| Deposit guarantee Per depositor | Safeguarded 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 | No | No |
| UX | ||
| Trustpilot Customer score | — | — |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | — |
| Read review → | Read review → | |
Pick Conta Azul if…
BR accounting-first platform with the longest operating history in the SMB accounting category (14+ years). Recently expanded into integrated banking via BACEN payment-institution licence — Conta Azul Conta as a workflow extension of the accounting platform. The structural fit for BR Contador-mediated SMBs where the accounting workflow is the operational anchor and banking is the bolt-on, rather than BHub's banking-first integrated approach.
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 Monzo won 2 of 2
- Best for reach Monzo won 1 of 3
- Best for ux Conta Azul won 1 of 2
Monzo vs Conta Azul — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Conta Azul better than Monzo?
Under our v3 methodology, Monzo leads Conta Azul 6–1 across 12 dimensions. Composite scores: Conta Azul 45/100 vs Monzo 78/100. Monzo is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Conta Azul or Monzo cheaper?
Monthly fee — Conta Azul: €89; Monzo: €0. Card FX markup — Conta Azul: Interbank; 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, Conta Azul or Monzo?
Conta Azul holds a Payment inst. licence under BACEN; deposit guarantee per depositor: Safeguarded. Monzo holds a Full bank licence under Central Bank of Ireland; deposit guarantee per depositor: €100,000. Monzo is the stronger pick on regulatory protection.
Where can I use Conta Azul and Monzo?
Conta Azul 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.