Monese alternatives: A list of alternative banks and apps

Discover the alternatives to Monese and how they compare to this mobile bank account.

Revolut Standard logo

Sign up and get a free £10 top-up with Finder

  • Get 3 months of Revolut Premium free
  • Purchase protection
  • For new customers only, T&Cs Apply.
Go to site

Top alternative banks and apps to Monese

The main alternatives to Monese are Starling Bank, Monzo and Revolut.

Monese is a mobile bank account which you can open within minutes. You don’t need to provide proof of address, pass a credit check or provide any documents other than a selfie and some photo ID.

Your Monese debit card includes generous allowances for spending and withdrawing money abroad. It doubles up as a budgeting app too, providing spending overviews, savings goals, transaction details and downloadable statements.

You can open a personal or business account if you live in one of the 31 countries in the European Economic Area.

But is it the best mobile-only bank account out there? This guide presents five alternatives to Monese and explains how they compare.


Monzo is a popular online bank account with over 4 million customers.

Once again, all account management is completed through the Monzo app. There are no charges whatsoever for spending overseas. You can withdraw up to £200 at foreign ATMs with no charge too.

Monzo offers an overdraft of up to £3,000 and personal loans of up to £15,000.

The app has plenty of budgeting features too.

Monzo has a premium account with a £5 monthly fee that offers cashback, account aggregation, a credit checking service and other rewards.


The Revolut digital banking app has more than 12 million customers.

With Revolut, you’ll have access to free international money transfers, free global spending and access to a cryptocurrency exchange.

The sign-up process is just as quick and easy as signing up at Monese. The Revolut app has some useful budgeting features too.

The Premium account costs £6.99 a month and comes with overseas medical insurance, plus a bigger fee-free limit for ATM withdrawals (up to £400 per month.)

Starling Bank

For all intents and purposes, Starling Bank is very similar to Monese (as well as Monzo and Revolut).

It’s quick and easy to set up, and useful for those spending, sending or withdrawing money abroad.

Starling Bank customers get a euro current account, as well as one for pounds sterling.

It also has a higher fee-free international ATM withdrawal limit (£300 a day).


Nimbl provides pre-paid debit cards to customers for children aged between 6 and 18.

Parents can top-up this card and their child’s account from a mobile app. It’s even possible to automate the transfer of weekly or monthly pocket money. Other family members can transfer money to this card with ease too.

Nimbl is marketed as a great way to teach young children about budgeting. Perhaps more importantly though, it’s a brilliant way for parents to keep an eye on what their children are purchasing.

It’s possible to set up an automated savings feature, so a specific amount of money is transferred into a savings account every time the card is used.

There’s an account fee of £2.49 per month or £28 per year.

Atom Bank

Atom Bank is a mobile-only bank, which offers savings accounts and even mortgages.

There is no mobile current account available with this bank at the moment. However, it usually appears near the top of the best-rate tables for six-month, one-year, two-year, three-year and five-year fixed rate savings accounts.

So, if you’re only looking for a mobile-only savings account with a great rate, Atom Bank should be on your radar.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site