Monzo vs Revolut
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Monzo | Revolut |
|---|---|---|
| Puntuación | 4.4 / 5 | 4.4 / 5 |
| Ideal para | Everyday UK banking and budgeting | Travel spending and an all-in-one app |
| Comisión mensual | Free → Plus/Premium plans | Free to ~$16.99/mo (Standard→Metal) |
| Tipo de cambio | Mastercard rate, no Monzo markup | Mid-market weekdays; ~1% weekend on Standard |
| Enviar / recibir | Free UK transfers | Free between Revolut users |
| Retiradas | Free in UK; overseas cap then fee on free plan | Free up to a monthly limit, then ~2% |
| Tarjeta | Yes — debit Mastercard | Yes — virtual & physical debit; Metal on premium |
| Disponibilidad | UK (US in rollout) | 40+ markets; cards usable in 160+ countries |
| Divisas | GBP (spends abroad at Mastercard rate) | 30+ in-app (spend in 120+) |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | Bank of Lithuania (ECB), UK banking licence, FCA |
| Fundación | 2015 | 2015 |
Monzo
Monzo is a fully licensed UK app bank with FSCS-protected deposits, best known for its budgeting tools (Pots, spending categories) and fee-free card spending abroad at the Mastercard rate. It is one of the most polished everyday banking apps in the UK, with overseas ATM limits and premium perks reserved for paid tiers.
Pros
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contras
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Revolut
Revolut is a feature-packed money super-app combining multi-currency accounts, travel-friendly cards, crypto, stocks and budgeting in one place. Free plans offer mid-market FX on weekdays with monthly limits, while paid tiers remove weekend surcharges and add perks. Its breadth is unmatched, though support quality and weekend FX fees are common gripes.
Pros
- Mid-market FX on weekdays with generous free limits
- Budgeting, crypto, stocks, savings in one app
- Strong travel and multi-currency card
Contras
- Weekend FX surcharge and limits on free plans
- Best features locked behind paid tiers
- Support is chat-only and can be slow
En resumen
En conjunto, Monzo se adelanta con una puntuación de 4.4 frente a 4.4, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.