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Comparison

Monese vs Revolut

Monese and Revolut both land on Depends.

Monese

monese.com

Depends
Confidence: Low

Buy if you're an individual living or spending across the UK and EEA who wants multi-currency accounts from £0/month; skip it if you need business banking, lending, or branch service.

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Monese versus Revolut
CompareMoneseRevolut
VerdictDependsDepends
Best forExpats splitting life between UK and EuropeFrequent travelers and currency exchangers
Who it's not forBusinesses needing full business banking or lendingAnyone parking large life savings . freeze reports exist
PrivacyNo known public vulnerabilities found in the sources reviewed.¹Confirmed 2026 breach: customer data leaked via fake government requests; ~700 accounts affected, $3M ransom reportedly demanded.13
Support qualityNo support evidence in sourcesFrozen-fund complaints; security issues reportedly unresolved
Public sentimentThe few available testimonials praise fast, easy app signup and multi-currency convenience, but independent review volume is nearly absent.¹Users love the app for travel and daily spending, but many report expensive tiers, frozen funds, and ignored security complaints.⁹
Biggest gotchaATM withdrawals are free only 'within allowances' . expect fees past the cap²Breach came via fake government requests; 680 high-profile accounts, $3M ransom reportedly demanded14

Pick Monese when

  • Expats splitting life between UK and Europe
  • Frequent multi-currency travelers
  • People who struggle to open traditional bank accounts
  • App-first users wanting fast signup

When Monese is not a fit

  • Businesses needing full business banking or lending
  • Anyone outside the UK/EEA
  • People wanting branch service, overdrafts, or credit products
  • Heavy ATM users . free withdrawals are capped

Pick Revolut when

  • Frequent travelers and currency exchangers
  • Mobile-first everyday bankers
  • Freelancers invoicing in multiple currencies
  • Small businesses wanting multi-currency accounts

When Revolut is not a fit

  • Anyone parking large life savings . freeze reports exist
  • Privacy-sensitive users wary after the data breach
  • Businesses needing compliance-heavy or high-risk payment support
  • People wanting branch banking or in-person service

Sources

  1. Monese homepagemonese.com
    official
  2. Monese on Google Playplay.google.com
    official
  3. Monese on the App Storeapps.apple.com
    official
  4. Monese LinkedIn post . 3-minute signup claimlinkedin.com
    news
  5. Facebook expat group recommendationfacebook.com
    review
  6. Monese Review (2026) . Pros, Cons & Ratingfactchecktool.com
    review
  7. ScamAdviser check for monese.comscamadviser.com
    security
  8. Monese security page (no content found in sources)monese.com
    security
  9. Revolut Reviews . Trustpilottrustpilot.com
    review
  10. My long-term experience with Revolut . Redditreddit.com
    review
  11. Revolut Review: Checking and Savings . NerdWalletnerdwallet.com
    review
  12. REVOLUT Products . G2g2.com
    review
  13. Revolut confirms sensitive customer data breach . Reutersreuters.com
    security
  14. Revolut Data Breach: 680 High-Profile Accounts, $3M Ransom . SecurityWeeksecurityweek.com
    security
  15. Revolut confirms customer data breach . TechCrunchtechcrunch.com
    security
  16. Compare Revolut Plansrevolut.com
    official