Sometimes, it is hard for customers to choose with more and more digital-only banks and EMIs (electronic money institutions) being launched around the world. Yes, in many regions, there are only 1 or 2 options for a digital-only bank account. But what about places like the UK and EU where choice is already quite big and growing? In this post, you can find a table that compares Revolut vs Monese vs Monzo vs Starling vs Pockit. More region focused tables about digital banks coming soon.
*may need to set phone horizontally to see the full table
| Revolut | Monese | Monzo | Starling | Pockit | |
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| Where available | EU, UK, AU, CA, SG, CH, US | UK, EU, EEA | UK | UK | UK |
| Regulation | FCA, ASIC, MAS | FCA | Full-bank PRA, FCA | Full-bank PRA, FCA | FCA |
| Personal account | Standard – Free Premium – €7.99/mo Metal – €13.99/mo | Simple – Free Classic – €5.95/mo Premium – €14.95/mo | No monthly fees | No monthly fees | £0.99/mo |
| Business account | EU companies | UK ltd | UK ltd (beta) | UK ltd, UK solo trader |  |
| Saving account | | | 1.3% AER | On balances 0.5% AER up to £2,000 0.25% up to £85,000 | |
| Multi-currency account | EUR, GBP | EUR, GBP | GBP | GBP, EUR | GBP |
| Loans | | | 3.7% APR on loans of £7,5k to £15k 19.5% APR on loans up to £7,5k | Loan calculator on the site | |
| Credit Card | | | up to £3,000 19%, 29% or 39% EAR | Overdraft 15% EAR | |
| Metal Card |  | | | | |
| ATM fees | For Standard plan Up to €200 fee-free /mo 2% thereafter | For Simple plan Up to €200 fee-free /mo 2% thereafter | Up to £200 fee-free /mo 3% thereafter | no ATM fees | 99p withdrawal fee |
| Extra | Hold 30 currencies Exchange 150 currencies With interbank rate | Personal account without proof of address | Overdrafts and loans available | Full range of bank products | The simple, easy current account |
| Revolut full review | Monese full review | Monzo full review | Starling bank full review | Pockit full review | |
| Open account | Open account | Open account | Open account | Open account |
