Monzo Business alternatives
Revolut Business vs Monzo Business
Monzo Business can help you get started with business accounting, financing, and expense tracking. Revolut Business offers cards for your entire team, multi-currency accounts, and online and in-person checkout options. Explore them both to find the best fit for you.
Powering team spend for businesses around the world
Comparing Monzo Business and Revolut Business features
We've compared the Monzo Business Team plan with the Revolut Business Grow plan, based on information available on Monzo's website as of 31 March 2025. This table includes just some of the highlights of each. For a full view of Monzo Business' features, find our sources linked at the end of the page.
Monthly subscription
Local transfers
Receiving international payments
Add unlimited team members
Physical cards
Virtual cards
Custom card controls
Overdrafts and business loans
FSCS deposit protection
Protection for account balances
Auto Tax Pots
Savings
Currencies you can keep in your account
Individual payments
Get paid with invoices and payment links
Online and in-person sales
Power your checkout at scale
Integrate your accounting apps and software
Other integrations
HR tools, Slack, Zapier, and more
API
¹See outside-of-allowance transfer fees and exceptions.
²Within plan allowance. See outside-of-allowance fees for receiving payments.
³Your money is safeguarded. See more details about safeguarding and security.
⁴Annual expected return. This interest rate is variable, and your returns may vary depending on your plan. Savings available on Grow, Scale, and Enterprise plans. Savings T&Cs apply.
Scale up with Revolut Business
Revolut Business offers a whole suite of tools to help you scale — no matter your company's size or location.
- Add an unlimited number of employees to your Revolut Business account, and issue up to 3 physical cards to each.
- Use role-based access to give employees the tools they need, while you stay in control.
- Decide who can spend what and where with custom rules, and track expenses in real-time.
- Receive, hold, and exchange 25+ currencies. Get unlimited incoming transfers in GBP, EUR, USD, and CHF — at no cost.
Fees and T&Cs apply. Role-based access and custom spend controls available on Grow, Scale, and Enterprise plans. Expenses available for an additional fee on all plans.
Get started
Power your checkout with Revolut Business
Monzo Business lets you take individual payments with invoices, payment links, and Tap to Pay — but Revolut Business can also operate your checkout for online and in-person sales at scale.
Payment acceptance fees and T&Cs apply
| Offer a smooth online checkout | Guide customers through a seamless online checkout experience with Payment Gateway. Give them their choice of payment methods — including Revolut Pay, which lets 50+ million global Revolut customers pay in a tap. | |
| Revolut Reader for card payments | Take in-person payments from credit and debit cards, Apple Pay, or Google Pay in less than 3 seconds — then track sales and revenue with Analytics. Pair it with our Revolut POS system to manage all things sales. | |
| Fast and easy online payments | Accept payments on platforms like Shopify, BigCommerce, and more — with our no-code plugins. Take Visa, Mastercard, American Express, and mobile wallet payments. | |
| Fraud protection and chargeback support | Our advanced monitoring systems and fraud experts look out for suspicious transactions. We'll support you with chargebacks, and refund chargeback fees if you win a dispute. |
Revolut Secure
A new era of money security
Businesses worldwide trust us to look after their money. Protect yours with proactive defences, then personalise your settings to stay in complete control.
See what our customers say
Pablo Feu, Managing Director • Paloma Wool“Revolut Business improved our currency exchange rates and allowed us to charge customers in local currencies, improving their buying experience.”
Fabien Mollinari, Payments Product Manager • Aer Lingus“Revolut Pay is a fast and secure payment option which improves customer satisfaction. It gives our customers flexibility and offers lower fees than most credit cards."
Arthur Edson,Head of finance • Wild“We don’t have to consider any financial logistics any more. For us, using Revolut Business is a no-brainer. Everything is so straightforward.”
Built for business
We’re here to grow with you — from powering your payments to simplifying your team spend. Find your perfect plan right here.
Basic
From £10/month
Get the essentials to run your business.
Grow
From £30/month
Unlock the tools you need to manage spend worry-free.
Scale
From £90/month
Access higher allowances to expand globally.
Enterprise
Custom
Create the plan that fits your exact needs.
Any questions?
Revolut Business vs Monzo Business FAQs
Monzo Business helps freelancers and sole traders get started with business accounting, offering cards for up to 15 team members. Monzo Business partners with Wise to let you send international payments. But, keep in mind you can only hold GBP in a Monzo Business account.
Monzo Business also offers overdrafts and business loans for sole traders, which could help you get your business off the ground or improve your cashflow.
Revolut Business provides a range of features for businesses operating globally, such as multi-currency accounts. It allows you to send international transfers and exchange currencies at the interbank rate during market hours on weekdays, within your plan limits.
With Revolut Business, you can also add unlimited team members to your account, and issue physical or virtual cards to them all. This might make it more suitable than Monzo if you've got a small business with more than 15 employees.
If you run an ecommerce or in-person shop and are selling at scale, you might also prefer Revolut Business for its payment acceptance features. With a Revolut Business account, you can take payments using Revolut Reader, Revolut POS, Tap to Pay on iPhone, and much more.
We don't provide financial advice, and we encourage you to do your own research to see which solution is the right option for your business.
Monzo Business works with Stripe to offer card payment features. It lets you request individual payments in person and remotely through payment links, invoices, Tap to Pay on iPhone, and Tap to Pay on Android. You'll need to sign up for Stripe as well as Monzo Business to access these features, and Stripe's fees will apply.
Revolut Business offers a variety of built-in payment options that allow you to sell directly, without needing another external account. Besides requesting individual payments via invoices or payment links, you can power your checkout online and take payments with Revolut Pay.
You can also use Revolut Reader, Revolut POS, and Tap to Pay on iPhone to take payments in person. Our payment tools offer 24-hour processing and competitive pay-per-transaction fees.
See our rates for payment acceptance.Monzo Business doesn't offer currency exchange in-app, and you can only hold money in GBP. Monzo Business partners with Wise to offer international transfers in different currencies, but keep in mind you’ll also pay Wise's transaction fees.
With Revolut Business, you can exchange, send, receive, and keep 25+ currencies directly in your Business account. If currency exchange is important to your business, have a look at our currency exchange rates, and explore our plans to see which option best suits your business.
See our plans here.Each user in your Monzo Business account can have up to 5 active virtual cards — 1 for each of the Pots in your account. With Revolut Business, you can create up to 200 virtual cards per employee, which gives you more flexibility.
We collected the information in this comparison from the following sources as of 31 March 2025: