Revolut vs Monzo: Which Is Cheaper and Faster?

Revolut and Monzo are two of the most popular UK / EU digital banks. Different strengths: Revolut offers built-in multi-currency FX, crypto, stocks; Monzo focuses on day-to-day UK banking with international transfers via an integrated Wise service.

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Fees — Revolut: Free plan: limited monthly FX. Paid plans (Premium / Metal / Ultra) include larger FX allowances. Weekend transfers add a small markup.

Fees — Monzo: GBP Faster Payments: free. International via Wise integration: standard Wise pricing.

Speed — Revolut: Revolut-to-Revolut: instant. SEPA Instant: seconds. SWIFT: 1-2 days.

Speed — Monzo: GBP Faster Payments: seconds. International via Wise: minutes (local rails) to days (SWIFT).

Best for — Revolut: Frequent travellers, multi-currency holders, customers wanting an FX/investing/crypto bundle.

Best for — Monzo: UK-focused day-to-day banking with occasional international transfer via Wise.

Bottom line: For international FX, Revolut's built-in product is convenient if you stay within plan limits. Monzo's Wise integration gives you transparent Wise pricing without leaving the Monzo app. Pick based on dominant use case.

Key facts

Revolut: Frequent travellers, multi-currency holders, customers wanting an FX/investing/crypto bundle.
Monzo: UK-focused day-to-day banking with occasional international transfer via Wise.
Always get a same-day quote from both before committing.
For any SWIFT-routed transfer (either provider), Ohmyfin shows live GPI status by UETR.

Frequently asked questions

Is Revolut or Monzo better for international transfers?

Revolut for frequent multi-currency use with a paid plan; Monzo for occasional transfers via the Wise integration.

Do they use SWIFT?

Both sometimes — when destination currency has no local rail. Most consumer transfers use local rails.

Can Ohmyfin track Revolut / Monzo transfers?

Yes for SWIFT-routed ones with a UETR.

Which is safer?

Both are regulated. Monzo has full UK banking licence with FSCS deposit protection; Revolut has EU banking licence and varying UK status by plan.

Which has better customer support?

Monzo is widely praised for chat support; Revolut's support quality varies by plan tier.

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Revolut vs Monzo: Which Is Cheaper and Faster?

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