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Updated October 13, 2026 · VaultCue Editorial Team

Moniepoint vs Revolut UK

Two accounts side by side: recorded fees, markets, regulation and platforms for Moniepoint and Revolut UK, from the same records as each review.
Revolut UK

Revolut UK

Higher score in this comparison

9.0/10
Visit
Moniepoint

Moniepoint

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What sets them apart

Moniepoint vs Revolut UK
CompareMoniepointMoniepointReviewSee alternativesSee alternativesRevolut UKRevolut UKReviewVisitVisit
Monthly feeNGN 0£0
Transfer feeFree for Moniepoint-to-Moniepoint transfers to the same BVN; NGN 50 stamp duty on electronic transfers of NGN 10,000 and aboveFree in SEPA; paid plans discount elsewhere, free on Ultra worldwide
Licence typeNot confirmedE money
Deposit protectionNot confirmedFSCS up to GBP 85,000
Currency conversion feeNot confirmed0% to 1%
CurrenciesNot confirmed30
Local account detailsNot confirmedIBAN

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Founded is lower at Revolut UK: 2015 vs 2019.
  • Revolut UK is licensed in 2 more countries.
  • Support channels: only Revolut UK offers Chat.
  • Audience: only Moniepoint offers Business.
  • Audience: only Revolut UK offers Travelers, Freelancer, Teen.

Our verdict on each

Moniepoint

Moniepoint leans toward businesses first, so personal everyday banking sits beside merchant tools rather than apart. Moniepoint Inc runs a combined payments, banking and operations platform that serves business owners and their customers across African markets seeking unified daily money management.

Read the full Moniepoint review

Revolut UK

Revolut UK's savings account suits savers who want easy access to their money and no monthly charge: the easy-access balance pays 4% on a variable rate, each deposit is covered by FSCS up to GBP 85,000, and the account kind is easy access so nothing is locked away for a term.

Read the full Revolut UK review

Score breakdown

Moniepoint vs Revolut UK
AreaMoniepointRevolut UK
CostNot confirmed9.3A monthly fee of £0, a minimum deposit of £0 and a plan conversion fee that runs 0% to 1%.
Offer9.29.6HigherThe listed features are free atm and joint account, and the app holds 30 currencies in total.
Trust8.28.5Higher

How they place

Moniepoint vs Revolut UK
RankingMoniepointRevolut UK
Business bank accounts451 of 56323 of 563

Every fact side by side

Moniepoint vs Revolut UK
FactMoniepointRevolut UK
AudienceBusinessTravelers, Freelancer, Teen
Pricing modelNo monthly feeNo monthly fee
FeaturesNot confirmedFree ATM, Joint account
Legal entityMoniepoint Microfinance Bank LimitedRevolut Payments UAB
HeadquartersNigeriaLithuania
Founded20192015Lower
Support channelsPhone, Email, Help centreChat, Phone, Help centre, EmailCovers more

Where each stands against the rest

Moniepoint vs Revolut UK
FactMoniepointRevolut UKMedian
Currency conversion feeNot confirmed0% to 1%below the median0.5
CurrenciesNot confirmed30highest quarter5

Median across 536 listed accounts.

Pros and cons

Moniepoint

Pros

  • Combines payments acceptance, banking and operational tools in one platform.
  • Serves more than 20,000,000 business and individual accounts.
  • Provides expense cards plus accounting and book keeping support for firms.

Cons

  • Business centred design leaves less room for standalone personal banking.
  • African market focus limits relevance for people banking elsewhere.

Revolut UK

Pros

  • Access is instant in the app, with fee-free withdrawals and no withdrawal limits.
  • Support runs on chat, phone and help centre, so a phone call or email is possible when the app is not enough.
  • Regulated in the UK and in Europe: the account is run by Revolut Payments UAB, founded in 2015 and headquartered in Lithuania.

Cons

  • The rate type is variable, so the 4% can move and nothing is fixed for a set period.
  • The savings sit with a savings deposit partner rather than the brand itself, and the account licence type is e money.
  • On headline rate the account ranks at 142 of 473 brands compared, so the return is competitive rather than exceptional.

Who each suits

Moniepoint

Who it suits

  • Business owners managing payments, banking and operations together
  • Individuals handling everyday transactions through business linked accounts

Who should look elsewhere

  • People seeking personal only banking outside African markets

Revolut UK

Who it suits

  • Savers who want instant app access and no charge for holding the balance, rather than a card and credit deal such as AXI Card Tarjeta y Credito at 21.59%.
  • Travelers, freelancers and teens, the audience named in travelers, freelancer and teen, who want 30 currencies and a conversion fee that runs 0% to 1%.
  • Anyone starting out with a wallet, since PayPal Colombia is the listed alternative at 3.3% and this balance pays 4% with iban details.

Who should look elsewhere

  • Savers shopping on the headline rate alone: the listed alternative Plazo ES shows 24.19% and AXI Card Tarjeta y Credito shows 21.59%, both far above the 4% paid here.
  • People who need the return fixed for a set period, since the rate type is variable and the balance is easy-access by design.
  • Customers who want the deposits held by the brand itself: the account licence type is e money and the savings sit with a savings deposit partner, a different structure from the listed wallet alternative PayPal Colombia at 3.3%.

Current offers

Moniepoint

Current offer

  • Bonus

    Get instant cash back on transfers

    Source, checked September 26, 2026

Country by country

Moniepoint vs Revolut UK
CountryMoniepointRevolut UK
KenyaYesNo
NigeriaYesNo

Questions about each

Moniepoint

What does Moniepoint offer businesses and their customers?+

Moniepoint covers payment acceptance for merchants together with business and personal banking. It also provides operational tools such as expense cards and accounting and book keeping support. Business loans help owners finance inventory and expand.

Who uses Moniepoint?+

Moniepoint serves small businesses through to large companies and also serves their customers. It reports trust from more than 20,000,000 business and individual accounts. Thousands of people around the world rely on it to grow business activity.

Revolut UK

What rate does the Revolut savings account pay?+

The easy-access balance pays a headline rate of 4%, and the rate type is variable, so the return can move with the market. Nothing has to be locked away for a term, and the account kind is easy access, so interest is credited on the balance you keep.

Is there a monthly fee or a minimum deposit?+

The monthly fee is £0 and the minimum deposit is £0, so the account can be opened with nothing in it and left open without a charge. The model is listed as no monthly fee, and 91.7% of the accounts compared run the same way.

Other options to compare

Other matchups

Revolut UK

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Moniepoint

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