Side by side
Monzo vs N26
Both stand on savings apps. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Free plan AndroidAPIiPhone+1
Monzo combines a current account with budgeting, savings, investment, and travel features, and offers around-the-clock in-app support. Check plan eligibility and the 90-day renewal requirement for linked accounts before choosing it.
Visit Monzo Free plan AndroidiPhoneWeb
Visit N26 The facts
| Monzo | N26 | |
|---|---|---|
| Free plan | Yes | Yes |
| Open source | Not published | Not published |
| Runs on | Android, API, iPhone, Web | Android, iPhone, Web |
| Lowest paid plan | Extra: £3 a month | N26 Smart: €4.90 a month |
| Plans published | 8 | 4 |
| Maker | Not published | Not published |
| Website | monzo.com | n26.com |
| On savings apps | #1 of 13 | #5 of 13 |
Monzo: what it does well
- Salary Sorter divides income among separate Pots.
- Cardholders can spend abroad without foreign transaction fees.
- 24/7 support is available through in-app chat.
- Eligible deposits are protected up to £120,000 per person.
What to know first
- Open Banking connections need renewal every 90 days.
- Cash deposits cost £1 each.
- Accounts are for UK residents.
- Investments can go down as well as up.