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Head-to-head · Mobile Payment Apps

Monzo vs GrabPay

  • Updated Oct 2026
  • Both researched from official sources
  • 2 checks side by side
Higher score Monzo #7 in Mobile Payment Apps 8.7/10 Free plan Free plan✓ 1 of 5 features Visit Monzo
GrabPay #8 in Mobile Payment Apps 8.6/10 Free plan Free plan✓ 0 of 5 features Visit GrabPay

Monzo leads on 1 check, GrabPay on 0, and 1 is even. Who comes out ahead on the 2 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreMonzo · 8.7/10
  • Free planboth
  • Most featuresMonzo · 1 of 5

Monzo scores higher on our rubric for mobile payment apps: 8.7 against 8.6 out of 10; our editors rank them #7 and #8.

Monzo offers international transfers; GrabPay doesn't.

Monzo is the better fit for UK users wanting banking plus payments. GrabPay is the better fit for integrated wallet payments in Southeast Asia.

  • Monzo fits best

    UK users wanting banking plus payments

  • GrabPay fits best

    Integrated wallet payments in Southeast Asia

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Side by side

Feature Monzo 8.7/10 Visit ↗ GrabPay 8.6/10 Visit ↗
At a glance
Editor score 8.7 8.6
Ranking #7 in Mobile Payment Apps #8 in Mobile Payment Apps
Best for UK users wanting banking plus payments Integrated wallet payments in Southeast Asia
Pricing model Free plan + paid Free
Starting price £3/mo Free plan
Free plan ✓ ✓
Free trial — —
Deployment Cloud, Mobile Mobile
Platforms Web, iOS, Android iOS, Android
Support Live chat, Email, Phone, Docs · 24/7 Phone, Docs
Integrations 4 integrations 8 integrations
Built for Solo, Small business, Mid-market Solo
Features Monzo 1/5 · GrabPay 0/5
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 ✓ (best) —
Specs
Mobile platforms Not checked yet Not checked yet
Our review
Pros
  • 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
  • Pays for Grab rides, food and deliveries, plus online and QR purchases
  • Supports PayNow and card top-ups, peer transfers and eligible bank transfers
  • Offers GrabRewards points on eligible spending and PIN or biometric security
Cons
  • Personal accounts are available only to UK residents
  • International payments are limited to supported currencies
  • Several extras require paid monthly plans
  • Designed around Singapore payment networks and services
  • Transfer options depend on verification, funding source and local rules
  • Available on iOS and Android, with mobile-only deployment
Our verdict

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 →

GrabPay Wallet is a stored-value wallet within the Grab app, aimed at people in Singapore who want to pay for Grab services and make other everyday payments from a mobile balance. It supports rides, food and deliveries, online checkout and…

Read the review →
  1. MonzoMobile Payment Apps 8.7Free plan
  2. GrabPayMobile Payment Apps 8.6Free plan

Strengths and trade-offs

  • 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

  • GrabPay — where it wins

    • Pays for Grab rides, food and deliveries, plus online and QR purchases
    • Supports PayNow and card top-ups, peer transfers and eligible bank transfers
    • Offers GrabRewards points on eligible spending and PIN or biometric security

    Where it doesn't

    • Designed around Singapore payment networks and services
    • Transfer options depend on verification, funding source and local rules
    • Available on iOS and Android, with mobile-only deployment

More comparisons

All mobile payment apps comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update