Head-to-head · Neobank Apps
Monzo vs Nubank
Monzo leads on 0 checks, Nubank on 0, and 2 are 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 · 9.1/10
- Free planboth
- Most featuresMonzo · 1 of 3
Monzo scores higher on our rubric for neobank apps: 9.1 against 8.4 out of 10; our editors rank them #3 and #8.
Monzo is the better fit for UK users seeking budgeting and card controls. Nubank is the better fit for brazilian users who use Pix and savings goals.
- Monzo fits best
UK users seeking budgeting and card controls
- Nubank fits best
Brazilian users who use Pix and savings goals
Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.
Side by side
| Feature | Monzo 9.1/10 Visit ↗ | Nubank 8.4/10 Visit ↗ |
|---|---|---|
| At a glance | ||
| Editor score | 9.1 | 8.4 |
| Ranking | #3 in Neobank Apps | #8 in Neobank Apps |
| Best for | UK users seeking budgeting and card controls | Brazilian users who use Pix and savings goals |
| 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 | Live chat, Phone |
| Built for | Solo, Small business, Mid-market | Solo |
| Features Monzo 1/3 · Nubank 0/3 | ||
| Early pay access | Not checked yet | Not checked yet |
| Cash deposit support | Not checked yet | Not checked yet |
| International transfers | ✓ (best) | Not checked yet |
| Specs | ||
| Account scope | Not checked yet | Not checked yet |
| Savings yield | Not checked yet | Not checked yet |
| Supported currencies | Not checked yet | Not checked yet |
| Our review | ||
| Pros |
|
|
| Cons |
|
|
| Our verdict | 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 → |
Nubank is a digital financial-services provider in Brazil, with a mobile account for receiving, transferring and spending money. Its free basic account is suited to people who want Pix, bill payments and savings organized around goals in… Read the review → |
Strengths and trade-offs
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.
Nubank — where it wins
- Free account supports Pix transfers, payments and bill payments
- Caixinhas organize savings goals and link to fixed-income options
- Available on iOS and Android, with chat and phone support
Where it doesn't
- Debit card must be requested through the app
- Credit products require separate approval
- Cash withdrawals and some other account-linked services may have fees
- Monzo9.1/10 · Free plan
A free UK current account with budgeting tools, card controls and paid feature tiers.
Visit MonzoFull verdict → - Nubank8.4/10 · Free plan
Nubank pairs everyday Pix payments with goal-based savings in a free mobile account.
Visit NubankFull verdict →
More comparisons
- Starling Bank vs Monzo
- Starling Bank vs Nubank
- bunq vs Monzo
- bunq vs Nubank
- Monzo vs Revolut Business
- Monzo vs Capital One 360 Checking
- Monzo vs KakaoBank
- Monzo vs Rakuten Bank
All neobank apps comparisons → · Full ranking →
Reviewed by iTechGuides Editors · Editorial team · Updated Nov 2026
Last updated · How we research and update