Apple Pay vs Monzo

Apple Pay9.2Visit Monzo8.7Visit

Higher score Apple Pay #2 in Mobile Payment Apps 9.2/10 Free plan Free plan✓ 0 of 5 features Visit Apple Pay

vs

Monzo #7 in Mobile Payment Apps 8.7/10 Free plan Free plan✓ 1 of 5 features Visit Monzo

• Apple Pay fits best

  Apple users paying in stores and online

• Monzo fits best

  UK users wanting banking plus payments

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Side by side

Feature	Apple Pay 9.2/10 Visit ↗	Monzo 8.7/10 Visit ↗
At a glance
Editor score	9.2	8.7
Ranking	#2 in Mobile Payment Apps	#7 in Mobile Payment Apps
Best for	Apple users paying in stores and online	UK users wanting banking plus payments
Pricing model	Free	Free plan + paid
Starting price	Free plan	£3/mo
Free plan	✓	✓
Free trial	—	—
Deployment	Desktop, Mobile	Cloud, Mobile
Platforms	Web, Windows, macOS, iOS	Web, iOS, Android
Support	Community, Docs	Live chat, Email, Phone, Docs · 24/7
Integrations	4 integrations	4 integrations
Built for	Solo	Solo, Small business, Mid-market
Features Apple Pay 0/5 · Monzo 1/5
In-store payments	Not checked yet	Not checked yet
Peer transfers	Not checked yet	Not checked yet
Bill payment	Not checked yet	Not checked yet
QR payments	Not checked yet	Not checked yet
International transfers	Not checked yet	✓ (best)
Specs
Mobile platforms	Not checked yet	Not checked yet
Our review
Pros	Pay in stores, apps, and websites with eligible Wallet cards Authenticate with Face ID, Touch ID, or a passcode Device-specific payment numbers avoid sharing actual card numbers	Free account includes current account, card payments and budgeting Pots Apple Pay, Google Pay, peer transfers and international payments supported Paid plans add virtual cards, savings benefits and insurance cover
Cons	Requires an eligible card, compatible device, and supported merchant Apple Cash transfers are limited to supported regions Banks or card issuers may charge fees	Personal accounts are available only to UK residents International payments are limited to supported currencies Several extras require paid monthly plans
Our verdict	Apple Pay lets people add eligible credit, debit, and prepaid cards to Wallet and use them for purchases in stores, apps, and websites. It is aimed at Apple users who want to pay with a compatible iPhone, iPad, Apple Watch, Mac, or Apple… Read the review →	Monzo is a UK digital bank offering personal current accounts through iOS and Android apps, with web access, debit cards, budgeting Pots, spending categories, savings and money transfers. It suits UK residents who want everyday banking and… Read the review →

Strengths and trade-offs

• Apple Pay — where it wins

  • Pay in stores, apps, and websites with eligible Wallet cards
  • Authenticate with Face ID, Touch ID, or a passcode
  • Device-specific payment numbers avoid sharing actual card numbers

  Where it doesn't

  • Requires an eligible card, compatible device, and supported merchant
  • Apple Cash transfers are limited to supported regions
  • Banks or card issuers may charge fees

• Monzo — where it wins

  • Free account includes current account, card payments and budgeting Pots
  • Apple Pay, Google Pay, peer transfers and international payments supported
  • Paid plans add virtual cards, savings benefits and insurance cover

  Where it doesn't

  • Personal accounts are available only to UK residents
  • International payments are limited to supported currencies
  • Several extras require paid monthly plans

• Apple Pay9.2/10 · Free plan

  A no-cost payment service for Apple devices, with checkout availability depending on merchant and region.

  Visit Apple PayFull verdict →
• Monzo8.7/10 · Free plan

  A UK-focused current account combining card payments, budgeting and transfers.

  Visit MonzoFull verdict →