Revolut vs Monzo: what’s the best account in 2025?

Our guide breaks down key differences between Revolut and Monzo's personal accounts, so you can decide which one fits your lifestyle best.

These 2 accounts help people save, spend, and manage their money — from everyday finances to spending abroad. Check out a quick overview below.

Revolut vs Monzo: overview

¹Interest rate is accurate as of 8 July 2025 and may not reflect future interest rates. Please refer to Revolut and Monzo for the most up-to-date information.
²When you invest your capital is at risk. Investment services are provided by Revolut Trading Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 933846).
³After you reach your ATM monthly limit, Revolut charges a 2% fair usage fee and Monzo charges a 3% fee. Higher limits available depending on plan. Third-party ATM fees may also apply.

Revolut vs Monzo: account plans

Revolut and Monzo offer different personal account plans with a range of features to suit your financial needs. From everyday expenses and budgeting to spending abroad and investing — explore plan pricing and other account options below.

Revolut plans:

• Standard: no subscription cost
• Plus: £3.99/month
• Premium: £7.99/month
• Metal: £14.99/month
• Ultra: £55/month

Revolut also offers Kids & Teens accounts, Business accounts, and Revolut Pro accounts for freelancers.

Monzo plans:

• Current personal: no subscription cost
• Extra: £3/month
• Perks: £7/month
• Max: from £17/month, ages 18-69

Monzo has Under 16s, 16-17s, and Business accounts.

Revolut vs Monzo: ATM fees

We broke down Revolut and Monzo's ATM fees and limits, so you know what to expect — whether you're spending abroad or just need fast access to your money.

Revolut

• No Revolut ATM fees within your plan limit (Standard: £200 or 5 withdrawals | Plus: £200 | Premium: £400 | Metal: £800 | Ultra: £2,000)⁴
• 2% fee applies outside plan allowance

Monzo

• £400 fee-free every 30 days in the UK and EEA⁵
• Limit per month outside the UK and EEA (Standard & Extra: £200 | Perks & Max: £600)
• 3% fee applies outside your allowance

⁴Third-party providers may charge a fee.
⁵Unlimited UK and EEA withdrawals if Monzo is your main account.

Revolut vs Monzo: international transfers

Whether you're spending or transferring abroad, take a closer look at what Revolut and Monzo accounts have to offer:

Revolut

• Supports 70+ currencies across 160+ countries
• Fee-free transfers inside the SEPA region
• Competitive rates for other international payments
• Access discounts on transfer fees based on your Revolut plan (Premium: 20% off | Metal: 40% off | Ultra: unlimited international transfers at no cost). Fees, T&Cs and plan limits apply

Monzo

• Only supports GBP
• Mastercard wholesale exchange rates
• International payment fees depend on third-party exchange rates

Revolut vs Monzo: savings and interest

Both Revolut and Monzo offer savings features to help grow your money. Whether that's Pockets or interest-bearing accounts, explore what each provider offers below:

Revolut

• Savings interest up to 3.51% AER (variable) on Standard plan⁶
• Up to 4.5% AER (variable) on Ultra plan⁶
• Interest paid daily, meaning your savings earn interest upon interest and compound faster

Funds held in Instant Access Savings via ClearBank are protected up to a limit of £85,000 by the FCSC. T&Cs apply.

⁶The information provided is accurate as of 8 July 2025, and may not reflect future interest rates or product terms. Please refer to the app or website for the most up-to-date details.

Monzo

• Instant Access Savings Pots with 3.25% AER (variable) on free plan
• Pots with 3.75% AER (variable) on paid plans
• Interest paid monthly

Revolut vs Monzo: features and perks

From cashback and travel insurance to premium subscriptions and partner discounts — Revolut and Monzo offer extra features to elevate your everyday money management.

Revolut

• Earn RevPoints on eligible purchases, then redeem them for Airline Miles, Stays, or discounts. T&Cs apply
• Unlock subscriptions to the Financial Times, WeWork, Uber One, Tinder Plus, NordVPN, Headspace, Perplexity, and more

Monzo

• Retailer cashback on selected offers
• Paid plan features including subscriptions to Greggs, Railcard, and Vue, plus travel and phone insurance

Revolut vs Monzo: final thoughts

Choosing between a Revolut and Monzo account comes down to the features you want to better manage your money.

Both are expanding their offerings for 2025, but if you want an account with international payment features and investment and savings options, then explore Revolut's plans.⁷ Or hit the button below to sign up today.

We hope this guide provided the information you need to choose the account that works best for you.

⁷This article is for informational purposes only and reflects features as of 8 July 2025. You should consider your individual needs before choosing a financial product.

Sources:

1. Monzo plans
2. Understanding fees for using your Monzo card abroad
3. Monzo fee information
4. Monzo savings
5. Monzo Mastercard exchange rate
6. Monzo International Payment Fees

Sources last checked on 8 July 2025.