Neobank comparison
Compare Monzo and ZEN side by side: fees, regulation, platforms.
Best for budgeting
Monzo turned budgeting into the headline feature of a current account. For UK users who want to see and shape…
Best for cross-border shoppers
ZEN leans into rewards and multi-currency spending for cross-border shoppers, with a money-back guarantee tha…
| Feature | Monzo | ZEN |
|---|---|---|
| Monthly fee | Free | Free |
| FX markup | 0% | 0% |
| Savings APY | 3.50% | - |
| Currencies | 1 | 32 |
| Card network | Mastercard | Mastercard |
| Deposit protection | FSCS up to 85,000 GBP | Safeguarded (Lithuanian EMI licence) |
| Regulators | - | - |
| Best for | Best for budgeting | Best for cross-border shoppers |
| Markets & account | ||
Monzo
Monzo turned budgeting into the headline feature of a current account. For UK users who want to see and shape their spending, nothing else comes close on usability.
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.
Line up any two accounts side by side, or browse the full list to find your next platform.