Monzo vs Maya Bank.
Monzo (M78/100) and Maya Bank (M50/100), 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 Maya Bank 6-1.
| M Maya Bank №79 · BSP 50 /100 | M Monzo №08 · Central Bank of Ireland 78 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 50 /100 | 78 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 2.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | €200 /mo |
| Protection | ||
| Banking licence Tier | Payment inst. BSP | Full bank Central Bank of Ireland |
| Deposit guarantee Per depositor | Safeguarded PH.PDIC | €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 | 4.5 ★ iOS 4.5 · And 4.4 | — |
| Read review → | Read review → | |
Pick Maya Bank if…
Voyager Innovations digital bank arm — Philippines BSP digital banking licence (one of 6). Maya super-app heritage (formerly PayMaya, ~50M wallet users). Strongest super-app distribution among PH digital banks. PDIC cover.
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 Maya Bank won 1 of 2
Monzo vs Maya Bank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Maya Bank better than Monzo?
Under our v3 methodology, Monzo leads Maya Bank 6–1 across 12 dimensions. Composite scores: Maya Bank 50/100 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 Maya Bank or Monzo cheaper?
Monthly fee — Maya Bank: €0; Monzo: €0. Card FX markup — Maya Bank: 2.00%; 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, Maya Bank or Monzo?
Maya Bank holds a Payment inst. licence under BSP; 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 Maya Bank and Monzo?
Maya 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.