Monzo alternatives
short answerThe closest alternatives to Monzo are Revolut, Phantom and Starling Bank. All are neobanks operating in Europe, comparable to Monzo on custody, licence, cards, fees and FX — compared field by field below. No affiliate links.
The 8 closest alternatives
| neobank | type | hq | reported users | compare |
|---|---|---|---|---|
| Revolut | hybrid crypto | London, UK | 50M customers (2025) | vs Monzo → |
| Phantom | web3-native | San Francisco, US | 15M MAU (2025) | directory → |
| Starling Bank | traditional | London, UK | — | vs Monzo → |
| Atom Bank | traditional | Durham, UK | — | directory → |
| Zopa Bank | traditional | London, UK | — | directory → |
| Chase UK | traditional | London, UK | — | directory → |
| Kroo | traditional | London, UK | — | directory → |
| Curve | traditional | London, UK | — | directory → |
go deeperBack to the Monzo profile, ask who owns Monzo?, or filter your own shortlist in the directory.
Figures compiled from public sources, for comparison only — not financial advice. "Up to" rates change constantly; always confirm with the issuer. Spotted an error? Suggest a fix.