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Revolut vs Monese

Learn how these two finance apps stack up against each other.

Finance apps provide a convenient alternative to their brick and mortar counterparts, especially thanks to a host of clever online tools and services to make saving and spending easier than ever. Revolut and Monese are money apps which provide customers with a simple signup process, quick and easy management of funds, and up to the minute spending & saving insights to make managing your money a whole lot easier. Both leverage advances in fintech to reduce costs, especially when spending or sending money overseas. We compare the features, costs and limitations of each to help you save time and choose the account that’s right for you.

Quick review: Revolut and Monese

Revolut is a global digital money app designed for travellers, students, or those that want a convenient, online account. With Revolut you are able to hold multiple currencies in one account and spend them globally with low or no fees. You can also manage your money with innovative budgeting features, take control of your spending with features such as card controls and more.

Monese is a finance app that allows anyone in the UK or European Economic Area (EEA) to have a UK account. You aren’t required to have a UK address to sign up. The account itself is a convenient dual currency account that lets you manage both Euros and GBP, offers multilingual support and budgeting features. There are three account tiers available: Monese Simple, which is the free account, Monese Classic and Monese Premium. The higher the tier, the more features you unlock.

Breakdown of Revolut vs Monese in Germany

Revolut Standard

Monese Starter

Revolut Standard

Monese Starter

OVERVIEW
Description Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account. A dual currency account with no foreign currency fees up to €2,000 per month. Features include budgeting tools and multilingual support.
Monthly fees: 0 € 0 €
Joint accounts No Yes
FEES
Card fee 0 € 4.95 €
ATM withdrawals 200 € per month or 5 withdrawals N/A
Fee-free currency conversion limit Up to 1.000 £ per month, after which a 0.5% fee is charged N/A
EXTRA FEATURES
Security Virtual cards
Deposit protection
Triple layer of security in the app
Card blocking function
Real-time notifications
European banking license
Payments protected against fraud; loss or theft
Deposit protection
Real-time notifications
FCA registered company
Log out after 20 min. inactivity
Manually authorizes access devices
Benefits Payment notifications
Bill splitting
Spending categorisation
Budgeting
Payment notifications
Fast transfers
No proof of address required
Direct debits
Interest earning accounts Account with no interest earned
Account with no interest earned
Learn more

Revolut Premium

Monese Classic

Revolut Premium

Monese Classic

OVERVIEW
Description A combined current account and IBAN account with unlimited free currency conversions and international transfers in over 25 currencies. A dual currency card designed for travellers with no foreign currency fees up to and foreign transfers in several currencies.
Monthly fees: 7.99 € 5.95 €
Joint accounts No Yes
FEES
Card fee 0 € 0 €
ATM withdrawals 400 € per month 900 € per month
Fee-free currency conversion limit Unlimited Unlimited
EXTRA FEATURES
Security Virtual cards
Card blocking function
Real-time notifications
European banking license
Payments protected against fraud; loss or theft
Deposit protection
Card blocking function
Real-time notifications
FCA registered company
Log out after 20 min. inactivity
Manually authorizes access devices
Benefits Payment notifications
Bill splitting
Spending categorisation
Cryptocurrency
Virtual cards
Lounge access
Insurance covers
Dedicated customer support
Choose your card colour
Payment notifications
Fast transfers
Open multiple bank accounts
No proof of address required
Direct debits
Interest earning accounts Account with interest earned
Account with no interest earned
Learn more

Revolut Metal

Monese Premium

Revolut Metal

Monese Premium

OVERVIEW
Description A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more. A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad.
Monthly fees: 13.99 € 14.95 €
Joint accounts No Yes
FEES
Card fee 0 € 0 €
ATM withdrawals 800 € per month 2500 €
Fee-free currency conversion limit Unlimited Unlimited
EXTRA FEATURES
Security Deposit protection
Real-time notifications
European banking license
Payments protected against fraud; loss or theft
Deposit protection
Card blocking function
Real-time notifications
European banking license
PIN protected Cards
FCA registered company
Access code required
Log out after 20 min. inactivity
Benefits Payment notifications
Bill splitting
Spending categorisation
Cryptocurrency
Virtual cards
Lounge access
Insurance covers
Cashback
Concierge
Budgeting
Choose your card colour
Payment notifications
Fast transfers
Web app
Open multiple bank accounts
No proof of address required
Direct debits
Interest earning accounts Account with interest earned
Account with no interest earned
Learn more
*We selected products from each provider that were the most comparable. You can find all available products on our review pages as well as the provider’s website.

Verdict

Whether you choose Revolut or Monese should really come down to your needs.

Revolut is a pioneer in travel money, enabling easy management of multiple currencies, relatively low-cost ways of spending them, and efficient international payments. It also comes with enough features that it can serve as a standard account too, for receiving money, budgeting and spending. And if you’re interested in the world of cryptocurrency, Revolut has you covered.

Monese, on the other hand, is looking to bring the advantages of online money management to everyone. The relatively low requirement for sign-up documentation makes it an excellent option to those new to the Eurozone and UK looking to get setup. It makes the basics of banking – receiving money, spending and saving it – incredibly easy while also including innovative features for those who want to take it a step further. If you are looking for a money account native to the digital age, but without all the complexity of legacy finance, then Monese could be the right fit for you.

Regardless of which you choose, you will get to benefit the latest advances in fintech that finance apps are becoming renowned for. In addition to the accounting tools mentioned so far, you are also likely to enjoy easy to use visual interfaces combined with familiar app functionality and design which makes for a smooth experience.

Keep in mind that despite their clever features and insights, both platforms offer relatively simple money management features. If you are in the market for a high interest-earning savings account, borrowing or perhaps are working towards a mortgage, then you may want to consider other options, such as a standard current account.

Looking for more options? Compare a range of digital banks in Germany

Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Commerzbank Free current account
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

Receive €100 starting credit after 3 months of account activity

A current account with 0 € fees and cashback at select Shell petrol stations. Includes a Mastercard Classic credit card.
Nuri Bank Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 14 days

1

Receive €10 when you apply for a Nuri bank account and card. T&C applies

A unique bank account and crypto-wallet managed through a user-friendly app with real-time spending notifications. Includes a free digital Mastercard.
N26 Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 10 working days

1

Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Vivid Standard
  • Management Fee

    0 €

  • Card delivery

    4-5 days

  • Supported currencies

    1

  • Mobile payments

0 €
4-5 days

1

A free bank account with fee-free payments and transfers globally. Enjoy up to 20€ cashback per month.
1822MOBILE Current Account
1822MOBILE Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
Openbank Free Current Account
  • Management Fee

    0 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

0 €
N/A

1

A free current account with free euro transfers within the eurozone. Includes a debit card with free cash withdrawals worldwide.
DKB-Cash: Free current account
  • Management Fee

    0 €

  • Card delivery

    Up to 7 business days

  • Supported currencies

    1

  • Mobile payments

0 €
Up to 7 business days

1

A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
  • Management Fee

    0 €

  • Card delivery

    5 to 7 working days

  • Supported currencies

    1

  • Mobile payments

0 €
5 to 7 working days

1

Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
Commerzbank StartKonto
  • Management Fee

    0 €

  • Card delivery

    3 to 4 business days

  • Supported currencies

    1

  • Mobile payments

0 €
3 to 4 business days

1

A free current account for young people with a free Young Visa credit card. Cashbacks and discounts in more than 2,000 online shops.
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Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Comdirect Bank Current Account
  • Management Fee

    4.90 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

4.90 €
N/A

1

A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
N26 Metal
  • Management Fee

    16.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

16.90 €
Up to 10 working days

1

Receive a stainless steel Metal card available in 3 shades, an insurance package and exclusive offers.
Tomorrow Now
  • Management Fee

    3 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

3 €
3-5 business days

1

A free Visa debit card with free transactions across the globe and N/A for free.
TARGOBANK Online-Account
  • Management Fee

    3.95 €

  • Card delivery

    N/A

  • Supported currencies

    1

  • Mobile payments

3.95 €
N/A

1

An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
bunq Easy Green Personal
  • Management Fee

    17.99 €

  • Card delivery

    Up to working 10 days

  • Supported currencies

    19

  • Mobile payments

17.99 €
Up to working 10 days

19

An account with an exclusive stainless steel card. Help the environment – a tree will be planted for every €100 you spend.
N26 Smart
  • Management Fee

    4.90 €

  • Card delivery

    Up to 10 working days

  • Supported currencies

    1

  • Mobile payments

4.90 €
Up to 10 working days

1

A mid-tier, premium subscription plan that comes with a range of essential money management features to help you better manage your finances.
Tomorrow Change
  • Management Fee

    7 €

  • Card delivery

    3-5 business days

  • Supported currencies

    1

  • Mobile payments

7 €
3-5 business days

1

Manage your shared finances conveniently with Tomorrow’s mid-tier plan. Benefits include multiple sub-account, fee-free monthly cash withdrawals and more.
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Please note these products are not licenced as banks. Check our product review pages for details.
Name Product Mobile view Digital banks English Management Fee Card delivery Supported currencies
Revolut Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    27

  • Mobile payments

0 €
Up to 9 working days

27

Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account.
Wise Multicurrency Account
  • Management Fee

    0 €

  • Card delivery

    Up to 14 working days

  • Supported currencies

    19

  • Mobile payments

0 €
Up to 14 working days

19

Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Plus
  • Management Fee

    2.99 €

  • Card delivery

    Up to 9 working days

  • Supported currencies

    25

  • Mobile payments

2.99 €
Up to 9 working days

25

Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
Wirex Standard
  • Management Fee

    0 €

  • Card delivery

    Up to 4 business days

  • Supported currencies

    12

  • Mobile payments

0 €
Up to 4 business days

12

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
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