Neobank comparison
Compare Monese and ZEN side by side: fees, regulation, platforms.
Best for newcomers without local credit history
Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, …
Best for cross-border shoppers
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee tha…
| Feature | Monese | ZEN |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 2.50% | 0% |
| Savings APY | - | - |
| Currencies | 3 | 32 |
| Card network | Mastercard | Mastercard |
| Deposit protection | Safeguarded (FCA-authorised e-money) | Safeguarded (Lithuanian EMI licence) |
| Regulators | - | - |
| Best for | Best for newcomers without local credit history | Best for cross-border shoppers |
| Markets & account | ||
Monese
Monese earns its place as an entry account for new arrivals who cannot yet pass a traditional bank's checks, with multi-currency basics built in from day one.
Confirm current fees and rates on the provider's site. T&Cs apply.
ZEN
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee that few rivals match.
Confirm current fees and rates on the provider's site. T&Cs apply.
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