European alternatives to
Monzo
2 European alternatives found, privacy-friendly, EU-based, and ready to use.
#1
bunq
83 · Strongly EuropeanDutch mobile bank focused on sustainability. Plant trees with every payment. Full EU banking licence, no hidden fees.
#2
N26
86 · Strongly EuropeanGerman neobank with a full banking licence from BaFin, operating across 23 European countries. Founded in Berlin in 2013, converted to a pan-European Societas Europaea (SE) in January 2025, and fully focused on Europe after exiting the US in 2021.
Why switch away from Monzo?
Privacy
EU-based services fall under GDPR, one of the world's strongest privacy laws.
Data sovereignty
Your data stays in Europe, out of reach of US surveillance laws like the CLOUD Act.
Support European tech
Every subscription you switch keeps money in the European tech ecosystem.