Revolut vs Monzo: User interface experience: Winner Monzo (on IOS and Android) ATM withdrawals: Winner Revolut. Taking out an overdraft is cheaper with Starling than with Monzo though. It would be good to see the difference. Monzo has more than 2.2 million customers, and it’s now planning to expand into the US in … Read our full review of Monzo here. Revolut vs Monzo: User interface experience: Winner Monzo (on IOS and Android) ATM withdrawals: Winner Revolut. Another fundamental difference is that Monzo and Starling customers allow free and unlimited ATM withdrawals in the UK. Let us look at the main characteristics of the Monzo and Starling Bank business account. Founded in 2015, Revolut is on a mission to facilitate global spending and transfers at the best exchange rates. Likewise, for those who take cash out regularly, Starling’s £300 fee … Starling will give you fee-free cash withdrawals on any amount (Monzo is limited to £200 per month before they start charging you) and I wouldn't trust Revolut for anything. A Comparison of N26 Vs Revolut in Ireland A Summary of N26 . There’s no obvious answer here. Used the clarity card previously but no point to it when I get the same benefits with tandem plus some cashback. Similarly, Monzo, Starling, Tandem and N26 are all loss-making (although most claim they’ll breakeven in the coming years). In my personal experience, I found currency exchange cheaper over on Revolut although Weekend Rates are definitely more expensive. There are small shops and bars in every country don't accept card payments. Conclusion : Monzo ou Revolut ? N26 has a full European banking licence and customer funds are covered by the German Bank guarantee (up to €100,000). Tandem and Starling as a double-act. The Battle of the Travel Debit Cards: Revolut vs. Monzo vs. Starling vs. N26 vs. Curve. At the time it was a breath of fresh air and was considered the best pre-pay option. Monzo makes money from overdraft, personal loan, and withdrawal fees. Starling vs Revolut: Final Knockout. Press question mark to learn the rest of the keyboard shortcuts. For an explanation of our Advertising Policy, visit this page. Metro Bank has a physical branch network while Revolut, Starling and Tide are online-only. You can get 0.5% AER on balances up to £2,000 or 0.25% on balances over £2,000 and up to £85,000. Starling and Monzo interest rates Unlike Monzo, Starling pays an interest on current account balances (0.05% on up to £85,000). Ben Smithson. Fintech; 16 Sep 2019; The best Starling hacks and hidden features to make saving suck less. Cash deposits: Starling are free at the Post Office, Monzo charge £1 for deposits at PayPoint outlets. Key Revolut stats. More region focused tables about digital banks coming soon. What about curve? In truth, Revolut and Starling Bank are broadly similar. The pre-pay card was always just a beta trial until the bank could roll out its current account. Learn more about our business bank account. The two areas we believe could influence your opinion is service availability, as Monzo is currently only available in the U.K., whereas Revolut has wider availability. Both are great if you travel often, almost entirely fee-free. I just took out what I needed for a week, left it locked up in my hostel locker and had a day wallet on me for what I would be spending that day. Revolut accounts suggest not, but internal metrics suggest it does. Monzo is now in second place, increasing its average user deposit rate to £357 from £142 in 2018. We don't as a general policy investigate the solvency of companies mentioned (how likely they are to go bust), but there is a risk any company can struggle and it's rarely made public until it's too late (see the. e-mail; 71. shares. It’s worth knowing that Revolut applies a minor mark up on its rates at the weekend of 0.5%- 1.5% as the markets are closed. Vous pouvez ouvrir votre compte et le vérifier en quelques minutes. Apparently they offer the mastercard exchange rate which from a quick google seems preferable. Starling is probably Monzo’s closest rival. In a period of financial unrest where credit is king, trust in the fintech services took a serious hit, affecting funding and valuations alike. Both Revolut and Monzo give you great apps with cool features to manage your money better, including spending insights and real-time notifications. Check out Monzo’s savings accounts if this sounds like the option for you. Revolut. Revolut does not offer any rates. Something will go wrong with the account and their support will leave you high and dry. Monzo, Starling Bank, Revolut, or TransferWise? By Nicole Kobie. See how Starling’s business account compares against the other banks when it comes to areas such as customer support, fees, features, payments and borrowing. I have Revolut & Starling. Individual or business, Revolut is the only banking alternative designed for a worldwide lifestyle. *may need to set phone horizontally to see the full table. Here’s how to go about it. I plan on spending some time travelling South America for a few months next year and I'm now looking into what cards would be my best bet. Maybe some other user who has both Curve and Revolut can do a comparison. Une autre différence fondamentale est que les clients de Monzo et Starling autorisent de retirer librement et de façon illimité au Royaume-Uni. Other Reclaiming: Mortgage Fees, Council Tax etc, Pensions, Annuities & Retirement Planning, Report Holiday Deals, Bargains & Special Offers, Martin's Blogs & Appearances & MoneySavingExpert in the News. But there is no harm in taking more than one card with you. Fee-free spending on both, but Tandem will give you 0.5% cashback on all spending. Meanwhile, Revolut has dropped from having an average deposit of £252 per user in 2018, to £236. The higher tier, called Metal, costs €13.99/£12.99. Revolut n’offre aucun tarif. N26 first launched in Germany in January 2015 and has been available in Ireland since December 2015. N26 vs Monzo vs Starling Bank. How Monzo, Revolut, Starling and N26 plan to topple legacy banks. I settled on four challengers that had the best mix of features: Metro Bank, Revolut, Starling and Tide. If you want best customer service, Monzo is the best You can get a higher interest rate with Monzo if you open a separate savings account with one of its partners through the marketplace. If you click on them we may earn a small commission. It shares revenues or collects fees through third-party product and service arrangements, for example, offering… Chad Tennant. Do note, while we always aim to give you accurate product info at the point of publication, unfortunately price and terms of products and deals can always be changed by the provider afterwards, so double check first. After that they charge 2%. After all, it’s always great to have options. Both TransferWise and Revolut offer very cost-effective international money transfer providers. N26 now has more than 5 million customers across Europe and the USA, with almost 200,000 in Ireland. Pour recevoir votre salaire, payer en prélèvement automatique (abonnement au sport, taxe d’habitation, etc), privilégié Monzo. Revolut, Monzo or Starling? Hup 3 April 2019 10:45 #2. The first is simply called Premium and it costs €7.99/£6.99 per month. S tarling Bank is another current account option with a full banking licence and FSCS protection. But does it make money on each user? As with most things, it depends. With Revolut you can only withdraw £ 200 a month for free. Monzo don't (except in designated 'savings pots'). Fee-free spending on both, but Tandem will give you 0.5% cashback on all spending. Revolut doesn't accept cheques or cash deposits but you can top it up by bank transfer, debit or credit card, as well as Apple or Google Pay. Like what you see? Do you know if the exchange rate from starling is acceptable? Monzo vs Revolut: The verdict. The world of fintech has brought about a revolution in banking, with digital challenger banks such as By using our Services or clicking I agree, you agree to our use of cookies. Editor, Marcus Herbert. British mobile banks Monzo and Starling are transforming UK spending. Although Starling Bank, Monzo (both accredited and regulated by the FCA as banks) and Revolut (known in industry terminology as an electronic money institutino, but not a bank), do not use Wirecard – all fintechs suffered from the reputational fallout. With both, you can apply through the app and, after a “soft” credit check, you’ll be offered an overdraft limit. Starling Bank are what’s known as a ‘challenger’ bank, and challenger banks are changing what banking looks and feels like. For earning interest on your savings. I used my Revolut card for several months around South America earlier this year. Thanks Terms apply to the offers listed on this page. You pay a small fee for withdrawing cash I believe. I travel a lot for work and use a Halifax Clarity card. Monzo has been very popular with the younger crowd due to its intuitive interface and convenience for money managing. Both are popular UK-based banks for both personal and business users, but when it comes to business accounts, they are not equal. So how does it compare to its competitors? UK's digital bank and online lender Zopa aims to generate profits in 2021, will compete with Revolut, Monzo, other European challengers. It was a bit excessive, but I brought my Starling, Monzo, Revolut, Amex and Co-op cards with me. The additional benefit here is that the physical card is a metallic card, instead of a standard plastic card. Revolut’s premium service also offers a small inflow (£16.8m in 2018), joining N26 in charging select users for certain features. There are a few differences but they're broadly similar. familiarise yourself with the latest version. As well as Monzo and Revolut, there are 3 other travel cards that we have tried abroad. UK Challenger Banks App Average Contribution. The verdict: Revolut vs Monzo. However, you wanted a verdict so here we go. If you're interested in the card let me know and I can get you a referral (and a £10 Amazon voucher). There’s no fees for using it abroad and you are charged the MasterCard exchange rate. I've got both (and Revolut), started with Monzo and swapped to Starling once the monthly foreign ATM limit came in as I use a lot of cash when abroad. As with most things, it depends. Random Acts of Kindness and All things Positive! Best strat I've found is to use Tandem for any card purchases as you get cashback, and they have a free £200 cash withdrawal, then add Starling to that and you're smiling. I always take one Mastercard and one Visa in case I need money urgently and one of the networks is down. I only have/use those 2, sorry. We often link to other websites, but we can't be responsible for their content. at time of travel monzo was 0% but limited to £1k a month, this was trouble in cash heavy countries as you can’t take enough out, therefore always having a card like revolut which doesnt block ATM is important. So far so good and feel confident being in a country with multiple different (free) payment methods/options. Used Monzo everywhere. While it’s impossible to open a bank account without proving your identity, banks accept a range of documents as ID; so even if you don’t have a passport or a driving licence, you should be able to get one. I spend between 6 and 9 months at a time in Asia and never had an issue with Starling. If you lose one card or it gets stolen it's important to have backups and also many ATMs in Latin America will sometimes only take Visa or Mastercard - so it's useful to have one card of each type. Starling leads here, pulling in £999 per user at the last count; largely due to its headstart in business banking, where deposits tend to be larger. I hadn’t heard about the starling account before going so didn’t have the chance to test that out, I’ve been with starling for almost 2 years and never looked back. Monzo offers higher rates, but only if you open a separate savings account with one of its partners. As an aside, it's a good idea to have a backup card if you're away for any length of time in case you lose one. New comments cannot be posted and votes cannot be cast, More posts from the UKPersonalFinance community, Discuss, learn and request help on how to obtain, budget, protect, save and invest your money in the UK, Press J to jump to the feed. So how does it compare to its competitors? Notably, Revolut saw more app downloads last year than Monzo and Starling Bank combined. Are Monzo, Revolut, Starling and Transferwise safe to bank with? I discovered this too, by buying the wrong train ticket (German train ticket sales computers are really unclear) and then asking if I could buy a new one, but only having a card (I was leaving Germany). Both have been great. Avec Revolut vous pouvez seulement retirer £200 par mois gratuitement. This post contains references to products from one or more of our advertisers. UK Challenger Banks App Average Deposit. Has anyone done a comparison with Thai baht? Starling is the only one that pays an interest on current account balances. It's not that they're stuck in the past, it's just the % that card providers charge is not worth it for small companies. Cookies help us deliver our Services. Banking is changing. Metro Bank has a physical branch network while Revolut, Starling and Tide are online-only. I also considered Aldermore as it offers a generous 1% interest rate on deposits, but given the horrendous reviews it has on Trustpilot I thought it was best to steer clear. We may receive compensation when you click on links to those products. But if you ever go on holidays, starling is superior becuase you get to withdraw, £ 300 equivalent of cash every day, while Monzo limits you to £200 per month! Starling vs Monese Revolut vs Monzo vs N26. MadNomad. Also travelled Europe. Like Starling, Monzo is a fully licensed bank, so should it go bust, your money is covered by the FSCS. Starling vs Monese: the verdict. We already think we’re the best bank for business, but we want to help you make an informed choice. Why not use a couple so if one fails you're all good on the other? Having started life in 2015 as … Main features of Monzo and Starling Bank. Monzo, Starling and Revolut all do roundups, an easy way to bolster savings by rounding up all transactions to the nearest pound, putting the spare change into a pot. 1. +1 for Halifax Clarity credit card - I've had it for the past few years, and it's been nothing short of perfect, I travel around Europe extensively for my job - never had any issues, and regularly use it to take cash out (repaying immediately). Anyone have any experience with this? May 5, 2019. For the better. Interest: Starling pay 0.5% interest on cash up to £2k, 0.25% above. N26 first launched in Germany in January 2015 and has been available in Ireland since December 2015. The only issue is Germany where I had to take cash out because they are stuck in the 1930s. For example is it ok to withdraw Argentine pesos from an ATM with my GBP Starling card. Revolut's closest competitors when it comes to business banking are Monzo and Starling. But, you can’t set up direct debits or standing orders via Revolut, so this has less functionality that Starling and Monzo Bank, which offer a full current account. Only 10% of UK Residents Trust Neobanks or Digital Challengers like Monzo, Revolut, Starling: Survey Digital Banking: Fintech Revolut’s App was Downloaded 5.8 Million Times in … I recently went to Central America for 3 months and found that Starling was by far the best due to its unlimited ATM fee free withdrawals - Monzo and Revolut are capped at £300 per month fee free withdrawals. Generally worked fine and did save loads vs using a normal bank card. … MadNomad 3 April 2019 11:28 #3. Evening Can any of you who use these explain the advantages compared with, say, transferring funds between countries using Paypal. For Starling Bank, you’ll pay an … Starling £1 - €1.1688 Revolut £1 - €1.1714 Has anyone done a comparison with Thai baht? For card spending I used my Tandem credit card which doesn't charge transaction fees abroad (just uses the MasterCard exchange) and gives 0.5% cashback even on transactions in foreign currency. Revolut Business vs Monzo business vs Starling Bank business. Monzo vs Starling, Revolut and N26: The leading digital banks compared. Afternoon Dibbers Just looking at the above, what are people'e experiences with these cards? Revolut Business vs Monzo business vs Starling Bank business. Travelling. Starling and Monzo both offer overdrafts. Starling £1 - €1.1688 Revolut £1 - €1.1714. Monzo and Starling Bank have overdraft protection, but Revolut doesn’t. at time of travel monzo was 0% but limited to £1k a month, this was trouble in cash heavy countries as you can’t take enough out, therefore always having a card like revolut which doesnt block ATM is important. Haven't been able to try Starling as it thinks my phone is rooted.... Its not. Starling is better for people who want a simple all round UK current account, and like to go on holiday. Revolut vs Starling: The verdict. Halifax credit card is good so long as you pay it off straight away to avoid interest charges (easily done online) and are OK with credit card withdrawals showing on your credit file. Si vous avez besoin d’une banque en Angleterre pour un long séjour. It would be good to see the difference. Revolut vs Monzo, le comparatif. In truth, Revolut and Starling Bank are broadly similar. If you want financial protection then Starling and Monzo are protected, they are actual banks, Revolut is not. I would also recommend not taking that much cash with you. For Monzo, you’ll be charged 50p every day your account is overdrawn by more than £20, up to a maximum cost of £15.50 a month. Don’t use Revolut. Although Revolut’s losses tripled, its revenue increased from £58m to £167m – a significant amount, accounting for its financial expenditure. Starling Bank vs. Monzo: A Review By Harry Peach April 14, 2020. It's very easy to send and receive money in different currencies and you can load in … Natwest has become the latest bank to launch an app-only account - in a move that will rival the likes of Monzo, Revolut and Starling. The big boys are worried. F ounded in 2015, Monzo has emerged as one of the leading players in the UK consumer technology scene, alongside rivals like Revolut, the digital money transfer app, and Starling … Just did a quick comparison by making 2*EUR purchases at … Monese vs Revolut: How does the account compare? In this post, you can find a table that compares Revolut vs Monese vs Monzo vs Starling vs Pockit. Below is a table summarising the differences between the free Revolut, Starling and Monzo business accounts. A Comparison of N26 Vs Revolut in Ireland A Summary of N26 . Both offer a UK bank account managed via an app, with great spending abroad options with each app. Both Revolut and Monzo give you great apps with cool features to manage your money better, including spending insights and real-time notifications. The question now is not these companies’ ability to challenge the incumbents (Monzo and Revolut already have over 10m “customers” combined), but whether their profit margins and valuations are sustainable. I don't know about Monzo though. No fee to withdraw but it will charge you interest from the following day. Starling will give you fee-free cash withdrawals on any amount (Monzo is limited to £200 per month before they start charging you) and I wouldn't trust Revolut … Starling Bank. Starling also offers an in-app Marketplace so users can access other financial services and you can apply for a bigger loan than you can with Monzo. TransferWise, Monzo and Starling have also collectively received 60 complaints over the same time period. Revolut vs TransferWise. If you want cheapest transactions abroad, Starling is the best. Revolut is the cheapest option since it’s mostly free. How to open a bank account without ID in the UK. Starling -v- Revolut £-€ quick comparison. 4 April 2019 08:03 #1. Revolut's closest competitors when it comes to business banking are Monzo and Starling. Monzo vs Starling Bank. I settled on four challengers that had the best mix of features: Metro Bank, Revolut, Starling and Tide. Monese and Revolut come with a range of financial services for users. Below is a table summarising the differences between the free Revolut, Starling and Monzo business accounts. I have used Monzo, Revolut and Tandem extensively around the world. Revolut top-up methods. Revolut vs Starling: The verdict. They found it absurd that I would travel without cash, I found it absurd that a modern country wouldn't have the ability to buy train tickets with a card. Monese is a fully-featured current bank account while Revolut is slightly more limited as it’s effectively a prepaid card that gives you multiple currency options and lets you send money overseas quickly and easily. Both offer a UK bank account managed via an app, with great spending abroad options with each app. I use the other two because I've had just bad experiences with Starling not working on my phone. However, you wanted a verdict so here we go. The verdict: Revolut vs Monzo. Starling. I'm definitely going to be taking my HSBC debit card as well as my new Starling card with me. It offers free and premium products and services at … I've read that a Starling bank card is good because they do not charge any ATM fees or transaction fees abroad. I traveled around Europe for 2 months. It’s a few years older than Monzo, which brought in £9m, but it also comes down to costs: on average Revolut loses £9.16 per user, while Monzo’s users cost them £15. MARTIN LEWIS HELPS MUM CLEAR £30,000 DEBTS - HERE'S HOW YOU CAN DO THE SAME, STUDENT TUITION FEES IN ENGLAND SET TO BE FROZEN FOR ANOTHER YEAR, SANTANDER TO HIKE GRADUATE ACCOUNT OVERDRAFT FEES - BUT YOU CAN BEAT IT BY SWITCHING, https://www.revk.uk/2018/05/pick-card-any-card-monzo-winner.html. If you’ve followed me for any length of time you will probably know that I am a huge fan of Starling vs Monzo. Starling also has 0% charge on foreign cash withdrawal and transactions. The main appeal they offer above Monzo and Revolut is that they have no cap on free monthly withdrawals. Unlike it's digital competitor Starling, Monzo started life as a pre-pay travel. Revolut is a pre-pay card which works very well but is limited to £200/month free ATM withdrawals. Like most industries, banks are in the midst of a digital transformation and established veterans on the high-street are getting ousted by up-and-coming challengers solely operating online, utilising cloud-based technology. 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