bunq vs Monzo

Bbunq9.2Visit Monzo9.1Visit

Higher score B bunq #2 in Neobank Apps 9.2/10 Free plan · 30-day trial Free planFree trial✓ 2 of 3 features Visit bunq

vs

Monzo #3 in Neobank Apps 9.1/10 Free plan Free plan✓ 1 of 3 features Visit Monzo

• bunq fits best

  People needing flexible personal and business accounts

• Monzo fits best

  UK users seeking budgeting and card controls

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Side by side

Feature	Bbunq 9.2/10 Visit ↗	Monzo 9.1/10 Visit ↗
At a glance
Editor score	9.2	9.1
Ranking	#2 in Neobank Apps	#3 in Neobank Apps
Best for	People needing flexible personal and business accounts	UK users seeking budgeting and card controls
Pricing model	Free plan + paid	Free plan + paid
Starting price	€3.99/mo	£3/mo
Free plan	✓	✓
Free trial	30 days	—
Deployment	Cloud, Mobile	Cloud, Mobile
Platforms	Web, iOS, Android	Web, iOS, Android
Support	Live chat, Phone, Docs · 24/7	Live chat, Email, Phone, Docs · 24/7
Integrations	3 integrations	4 integrations
Built for	Solo, Small business	Solo, Small business, Mid-market
Features bunq 2/3 · Monzo 1/3
Early pay access	Not checked yet	Not checked yet
Cash deposit support	✓ (best)	Not checked yet
International transfers	✓	✓
Specs
Account scope	Both	Not checked yet
Savings yield	Up to 3.11%	Not checked yet
Supported currencies	20 currencies	Not checked yet
Our review
Pros	Multiple IBAN accounts and physical or digital cards across paid plans Foreign-currency accounts and transfers in over 40 currencies Personal and business accounts with web, iOS, and Android access	Pots, spending categories and instant notifications support day-to-day budgeting. Card freeze, biometric login and mobile wallet support add practical controls. Free and paid plans span current-account basics, virtual cards and insurance benefits.
Cons	Account and card limits vary substantially by plan Cash deposits are limited to eligible plans and supported countries Foreign-currency account availability depends on country of residence	Personal accounts are available only to UK residents. Virtual cards and advanced budgeting tools require the Extra plan. Insurance benefits are reserved for the £19-per-month Max plan.
Our verdict	bunq is a European digital bank offering personal and business accounts through mobile apps and web banking. It is aimed at people who want to manage accounts, cards, payments, savings and budgeting in one service, including those who need… Read the review →	Monzo is a UK digital bank for people who want a personal current account managed primarily through a mobile app. Its free account combines a UK current account with Pots for organising money, spending categories, instant notifications, UK… Read the review →

Strengths and trade-offs

• bunq — where it wins

  • Multiple IBAN accounts and physical or digital cards across paid plans
  • Foreign-currency accounts and transfers in over 40 currencies
  • Personal and business accounts with web, iOS, and Android access

  Where it doesn't

  • Account and card limits vary substantially by plan
  • Cash deposits are limited to eligible plans and supported countries
  • Foreign-currency account availability depends on country of residence

• Monzo — where it wins

  • Pots, spending categories and instant notifications support day-to-day budgeting.
  • Card freeze, biometric login and mobile wallet support add practical controls.
  • Free and paid plans span current-account basics, virtual cards and insurance benefits.

  Where it doesn't

  • Personal accounts are available only to UK residents.
  • Virtual cards and advanced budgeting tools require the Extra plan.
  • Insurance benefits are reserved for the £19-per-month Max plan.

• Bbunq9.2/10 · Free plan · 30-day trial

  Flexible European banking with personal and business accounts, cards, and international transfers.

  Visit bunqFull verdict →
• Monzo9.1/10 · Free plan

  A free UK current account with budgeting tools, card controls and paid feature tiers.

  Visit MonzoFull verdict →