All currency cardsCurrency card · head to head
Revolut vs Monzo
Revolut wins for travel + crypto. Monzo wins for UK banking and category insights.
| Revolut | Monzo | |
|---|---|---|
| Monthly fee | $0 | $0 |
| Card issue fee | $0 | $6 |
| FX model | weekend markup | card network |
| FX markup | 50 bps | — |
| Free ATM / month | unlimited | 0 |
| Multi-currency | ||
| Apple Pay | ||
| Google Pay | ||
| Virtual cards | ||
| Crypto | ||
| Joint account | ||
| Availability | EU, UK, US, AU, JP, SG, NZ + selected | UK + US (limited beta) |
Revolut — best for
- Daily spending on the card during the week
- Stock and crypto trading inside the app
- Splitting bills and group expenses
Weak for
- Weekend FX (1% surcharge applies)
- Large transfers (use Wise instead)
Monzo — best for
- UK residents with daily spending
- Travellers wanting clean spend categorisation
Weak for
- Multi-currency holding
- Large transfers abroad
Affiliate disclosure: we earn a small commission if you sign up via either link. We list both because both are genuinely useful.