We are using Cookies

By Using our website you agree to our terms & conditions

Top10CreditCards is a free online resource created to help users find the information they need to make confident decisions. We invest significant time and effort into researching and presenting content in a clear and accessible way. That said, the information on this site should not be seen as a personal recommendation. Our content is subjective and reflects our own editorial choices, which means it may sometimes be incomplete or contain inaccuracies. We encourage you to double-check details – and we always welcome your feedback. We’re able to keep this resource free thanks to referral fees we receive from the companies featured. Because of this, reviews, rankings, and product information should be viewed as advertising content. That said, we work hard to keep the information accurate and useful so you can make confident decisions. You can find more information here .

We are a comparison website supported by referral fees from the companies featured on this site. Advertiser Disclosure
GB - United Kingdom, Size=M.svg
Last updated: Nov 2026

Revolut vs Monzo

Compare features, flexibility, and global use.
How We Rank
Feature Breakdown
Recommended
1

9.8

Sign Up
1

9.2

Sign Up
At a Glance
Highlights
  • Multi-currency spending
  • Spending abroad
  • Global travel & finance
  • UK everyday banking
  • Budgeting & savings tools
  • Designed for domestic use
Credit Card
Trustpilot
339,902 reviews
63,932 reviews
Fees & Costs
Card Fees Abroad (FX)

No FX markup Mon–Fri up to plan limits;
1% above plan limits

No FX markup;
Mastercard rate applies (rates vary)

ATM Withdrawals Abroad (free plan)

£200/month free
2% fee above limit 

£200 every 30 days
3% fee above limit 

Free Virtual Card
Monthly Plan Costs

Free plan; paid plans £3.99–£55/mo

Free plan; paid plans £5–£17/mo

Card Replacement

Delivery fee for replacements

Free in UK; fees apply abroad

Key Features
Currency Exchange Fees

No markup Mon–Fri within £1,000/month limit on free plan; 1% applies above

Currency conversion fees may apply, depending on plan (up to ~3%)

Multi-Currency Account

Hold 30+ currencies at live rates

Not available

Disposable Virtual Cards

Included on all plans

Available on selected paid plans
Travel Insurance (T&Cs apply)

Medical, luggage, car hire, winter sports 

Car hire, medical, luggage 

Rewards

Shopping, travel, groceries & more (subject to plan)

Shopping, travel, groceries & more (subject to plan)

Card Network & Global Acceptance

Visa or Mastercard 

Mastercard 

Kids Account

Ages 6-17, linked to a parent account

Ages 16-17 only

Bottom Line

Winner!
1
1
Editorial Score

9.8

9.2

Key Takeaways

Revolut offers a range of features for users who want to manage multiple currencies and spend abroad. It provides multi-currency accounts, virtual cards, and certain travel insurance benefits depending on the plan. Terms apply.

Sign Up

Monzo provides UK-focused banking features, including budgeting tools and fee-free spending within the UK. International features are more limited, and currency conversion or ATM withdrawals abroad may incur fees. Terms apply.

Sign Up