Monzo vs Banco Inter.
Monzo (M78/100) and Banco Inter (B76/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Banco Inter leads Monzo 5-2.
| B Banco Inter №16 · BACEN 76 /100 | M Monzo №08 · Central Bank of Ireland 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 76 /100 | 78 /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 | €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 | 2 countries | 2 countries |
| Crypto Coins available | 8 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 2.8 ★ 1k reviews | — |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | — |
| Read review → | Read review → | |
Pick Banco Inter if…
Brazilian full-bank digital pivot success story (since 2015). ~33M customers across Conta + Inter Invest + Inter Shop. Public on NASDAQ: INTR (formerly B3). Inter Shop (cashback marketplace) is a unique super-app feature in Brazilian neobanking.
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 1 of 4
- Best for protection Banco Inter won 1 of 2
- Best for reach Banco Inter won 2 of 3
- Best for ux Banco Inter won 2 of 2
Monzo vs Banco Inter — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Banco Inter better than Monzo?
Under our v3 methodology, Banco Inter leads Monzo 5–2 across 12 dimensions. Composite scores: Banco Inter 76/100 vs Monzo 78/100. Banco Inter is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Banco Inter or Monzo cheaper?
Monthly fee — Banco Inter: €0; Monzo: €0. Card FX markup — Banco Inter: Interbank; Monzo: Interbank. Monzo 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, Banco Inter or Monzo?
Banco Inter 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. Banco Inter is the stronger pick on regulatory protection.
Where can I use Banco Inter and Monzo?
Banco Inter operates in 2 countries; 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.