All currency cardsCurrency card · head to head
N26 vs Monzo
N26 wins for EU users. Monzo wins for UK users. Pick by region.
| N26 | Monzo | |
|---|---|---|
| Monthly fee | $0 | $0 |
| Card issue fee | $0 | $6 |
| FX model | card network | card network |
| FX markup | — | — |
| Free ATM / month | 3 | 0 |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | EU/EEA + UK (limited) | UK + US (limited beta) |
N26 — best for
- EU residents who want a primary current account
- Travellers in eurozone — no FX needed
- Couples (joint Spaces)
Weak for
- US, Canada, Asia — not available
- Holding multiple currencies
Monzo — best for
- UK residents with daily spending
- Travellers wanting clean spend categorisation
Weak for
- Multi-currency holding
- Large transfers abroad
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