European alternatives to
Monzo
UK digital bank with a bright coral card and a highly rated app.
Monzo Bank Ltd · Europe
About Monzo
- Company
- Monzo Bank Ltd
- HQ
- United Kingdom
- Zone
- Europe
Key concerns
No major concerns identified.
#1
bunq
94 · Certified EuropeanDutch mobile bank focused on sustainability. Plant trees with every payment. Full EU banking licence, no hidden fees.
Freemium · from Free Free tier 🇪🇺 EU
#2
N26
88 · Strongly EuropeanGerman mobile bank with a sleek app and no hidden fees. Fully licensed by BaFin and operating across the EU.
Freemium · from Free Free tier 🇪🇺 EU
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Why switch away from Monzo?
CLOUD Act
Allows US authorities to compel American companies to hand over data stored anywhere in the world.
FISA Section 702
Permits mass surveillance of non-US persons' data held by US tech providers, without a warrant.
GDPR vs US law
Transferring personal data to US companies may conflict with EU data protection rules under GDPR.