TWINT vs Monzo

TTWINT8.8Visit Monzo8.7Visit

Higher score T TWINT #6 in Mobile Payment Apps 8.8/10 Free plan Free plan✓ 0 of 5 features Visit TWINT

vs

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

• TWINT fits best

  Swiss peer and merchant payments

• Monzo fits best

  UK users wanting banking plus payments

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Side by side

Feature	TTWINT 8.8/10 Visit ↗	Monzo 8.7/10 Visit ↗
At a glance
Editor score	8.8	8.7
Ranking	#6 in Mobile Payment Apps	#7 in Mobile Payment Apps
Best for	Swiss peer and merchant payments	UK users wanting banking plus payments
Pricing model	Free	Free plan + paid
Starting price	Free plan	£3/mo
Free plan	✓	✓
Free trial	—	—
Deployment	Mobile	Cloud, Mobile
Platforms	iOS, Android	Web, iOS, Android
Support	Phone, Live chat, Docs	Live chat, Email, Phone, Docs · 24/7
Built for	Solo, Small business	Solo, Small business, Mid-market
Features TWINT 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	Sends money to other TWINT users in real time Supports QR, online and in-app merchant payments Adds payment requests, recurring payments and loyalty features	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	Primarily serves Switzerland’s domestic payment network Some partner services, including certain withdrawals and parking, may cost extra Available through mobile apps, with no desktop deployment listed	Personal accounts are available only to UK residents International payments are limited to supported currencies Several extras require paid monthly plans
Our verdict	TWINT is a mobile payment app from TWINT AG for people in Switzerland who want to pay participating merchants and move money among friends and family. The iOS and Android apps support sending, requesting and splitting payments, with… 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

• TWINT — where it wins

  • Sends money to other TWINT users in real time
  • Supports QR, online and in-app merchant payments
  • Adds payment requests, recurring payments and loyalty features

  Where it doesn't

  • Primarily serves Switzerland’s domestic payment network
  • Some partner services, including certain withdrawals and parking, may cost extra
  • Available through mobile apps, with no desktop deployment listed

• 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

• TTWINT8.8/10 · Free plan

  A free mobile wallet for instant TWINT-to-TWINT payments and supported merchant checkout in Switzerland.

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

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

  Visit MonzoFull verdict →