Monzo alternatives: the best digital apps for everyday spending
Financial basics · 23 March 2026Dimitri de Perthuis
Searching for a Monzo alternative in 2026? Whether you’re looking for more advanced money management tools, better everyday features, or added perks, there are plenty of options to explore.
Some apps focus on combining spending with investing and budgeting tools in one place, while others prioritise flexibility or rewarding everyday purchases with cashback. The right choice depends on how you like to manage your money.
Whatever your preferences, there’s an app to match your needs in 2026. Read on to discover what options like Revolut, Starling Bank, Monzo and Chase UK have to offer.
What are the best Monzo alternatives for you?
The best choice for you depends on what you need from your daily account. Let’s do a deep dive into what differentiates these different providers so that you can decide which one's right for you.
Revolut vs Starling vs Chase UK vs Monzo: 2026 comparison table
Choosing the right account means looking at how different apps handle things like fees, rewards, and travel. Here's how the top Monzo alternatives compare on their free, basic plans.
Feature | Revolut | Starling Bank | Chase UK | Monzo |
ATM withdrawal limits | £200 or 5 withdrawals per month (after which a 2% or £1 fee, whichever is greater, applies) | £300 or 6 withdrawals per day | £500 per day (or £1,500 per month if abroad) | Unlimited UK and EEA withdrawals if Monzo is your main bank, £400 every 30 days in the UK and EEA otherwise (after which a 3% fee applies) |
Easy access savings rate outside of promotions (rates are subject to change) | 3% AER (variable) | 2.5% AER (variable) | 2.25% AER (variable) | 2.75% AER (variable) |
Investment options | In-app stocks | Not built-in | In-app stocks (through J.P. Morgan Personal Investing) | In-app stocks |
T&Cs apply.
Investment options are provided by Revolut Trading Ltd.
The Annual Equivalent Rate (AER) shows the interest you can earn over 1 year. AER is compounded, so you’ll earn interest on interest already earned. Interest is liable to applicable taxes.
Rates are subject to change. This comparison shows the features and pricing for standard plans without monthly costs. Prices and data were taken from the official websites of Monzo, Starling Bank, Chase UK, and Revolut on 25 February 2026.
Why do people use Monzo?
Monzo's one of the most popular choices for people moving away from old-fashioned banks. Their app's built to be clear and help you stay in control of your daily cash.
Their standard account includes features that are now common across most digital apps:
- Pots: set money aside for rainy days or simply a vacation and earn interest on it, similar to our Pockets.
- Monzo Split: track costs with friends and split payments like household bills or holiday expenses, like our Group Bills.
- Budgeting help: see exactly how much you spend each month by category or merchant in the Trends tab, similar to our smart analytics.
- Roundups: save your spare change automatically into different Pots or investment accounts. This is another tool we also offer at Revolut.
Why do people use Starling bank?
Starling Bank accounts include several features aimed at those who want some traditional banking functionality alongside a digital app:
- Post Office deposits allow cash and cheque deposits at Post Office branches
- Desktop banking lets customers manage their account from a laptop or PC
- An Easy Saver savings account lets you set aside money with interest paid monthly
- No foreign transaction fees apply when you spend abroad, though ATM limits and currency rules still apply
- Just like with Monzo and Revolut, you can use Round Ups to save up spare change
Why do people use Chase UK?
Chase UK is part of JPMorgan Chase and entered the UK market with a focus on spending rewards. Its standard account includes:
- Cashback on eligible purchases, which applies to certain everyday spending categories. You can earn 1% cashback on your spending on the first £1,500 you spend, which means you can get up to £15 back in a month.
- Numberless debit cards don't mean your card details are only displayed on the app.
- A linked savings account that earns interest on balances held separately from your current account.
- Round-ups that move spare change from transactions into a savings account automatically.
Why could Revolut be the alternative you're looking for?
We've built a global financial super-app for those who want their money to do more. We don’t just offer a place to store your cash, we provide a toolkit for your entire financial life.
Choosing Revolut means moving beyond basic banking into a borderless world with:
- A global financial space: why juggle 5 apps when you can use one? Manage your daily spending, long-term savings, and investments all in one single, seamless app.
- Savings that grow: earn interest paid daily on your money with our savings accounts. T&Cs apply.
- Investing for everyone: start building a portfolio of global companies from as little as £1. Capital at risk. Your investments may result in profits or losses. +18, T&Cs apply. Fractional shares do not benefit from voting rights, have transferability limitations, and may be subject to additional risks like volatility and liquidity risks. Read more on our fractional FAQ.
- Global travel tools: exchange in 38 currencies with the competitive Revolut exchange rates (plan limits and weekend fees apply).
- Smart budgeting: get instant notifications and automatic categorisation to track every penny of your spending.
- Advanced security: peace of mind is built-in. Beyond standard FSCS protection, our Wealth Protection uses advanced biometric identity tools to help secure your money.
- Support when you need it: access our award-winning customer support 24/7 via in-app chat.
Exchange and transfer fees, fair usage limits, and T&Cs apply. Weekend fees may apply, depending on your plan.
Ready to join 70+ million customers?
You can open your account in just a few steps — all from your phone.
- Download the app: get the Revolut app from the App Store or Google Play.
- Verify your mobile number: you’ll receive a 6-digit code by text to verify.
- Secure your account: set a secure, 4-digit passcode.
- Fill in your details: enter your name, date of birth, address, email, and country of residence. You’ll also set up your Revtag to send and receive payments easily.
- Verify your identity: take a clear photo of your ID (passport or driving licence) and a quick selfie in-app to confirm it’s you.
Sources
- Starling Bank Easy Saver account
- Starling Bank card fees and cash machine limits abroad
- Starling Bank Post Office cash deposits
- Starling Bank Saving Spaces
- Starling Bank online banking
- Chase UK current account
- Chase UK numberless debit card
- Chase UK saver account
- Chase UK round-up account
- Chase UK travelling with Chase
- Chase UK cashback terms
- Monzo instant access savings
- Monzo fees for using your card abroad
- Monzo fee-free travel debit card
- Monzo account spending limits
- Monzo savings accounts and ISAs
This comparison is based on publicly available information published by other providers as of 11 March 2026 and is aimed at customers in the UK.
You should visit their websites for confirmation of their most updated costs and charges.
Please note that actual charges and services offered may change and vary depending on individual circumstances. For the most accurate and up-to-date information, we recommend visiting each provider’s official website.
This article and the information provided herein are not intended to constitute legal, regulatory advice.
Capital at risk.
Revolut Trading Ltd provides a non-advised reception and transmission of orders investment service. Revolut Trading Ltd does not provide investment advice or personal recommendations. You, as an individual investor, must make your own decisions, seeking professional independent advice if you are unsure as to the suitability and/or appropriateness of any investment for your individual circumstances or needs.
The value of investments can go up as well as down and you may receive less than your original investment or lose the value of your entire initial investment. Past performance and forecasts are not reliable indicators of future results. Currency rate fluctuations can adversely impact the overall returns on your original investment.
Any trades outside of your monthly allowance are charged at 0.25% of the order amount if you are a Standard, Plus, Premium or Metal customer, or at 0.12% of the order amount if you are an Ultra/Trading Pro customer. Please read more on our fees page. Further information about the investment service of Revolut Trading Ltd can be found in the Terms of Business, Risk Disclosures and Invest FAQs.
Revolut Trading Ltd (No. 11567840) is a firm authorised and regulated by the Financial Conduct Authority (FRN: 933846). The registered address of Revolut Trading Ltd is at 30 South Colonnade, Canary Wharf, London, England, E14 5HX.