ZIGO

Monzo Premium vs Revolut (Free Account)

Which card wins for your spending? Calculate below.

Quick Comparison

Feature
Monzo Premium
Revolut (Free Account)
Annual Fee
£180
FREE
Best Reward Rate
1% cashback on all purchases (up to £15/month)
No cashback - but excellent exchange rates
Provider
Monzo
Revolut
Min Credit Score
Fair to Good
None required

Calculate Your Rewards

Adjust your monthly spending to see which card wins

£400
£200
£600
Total Annual Spend: £14,400

Monzo Premium

Gross Rewards

£144

- £180 fee

Net Value

£-36/yr

Apply Now →
🏆 Winner

Revolut (Free Account)

Gross Rewards

£0

Net Value

£0/yr

Apply Now →

The Verdict

Revolut (Free Account) wins by £36/year

Based on £14,400 annual spend

Want penny-perfect accuracy?

🔒 Analyse Your Bank Statement

Monzo Premium

Premium digital bank account with 1% cashback and travel perks

Pros

  • ✓1% cashback on all spending
  • ✓No foreign transaction fees
  • ✓Phone & travel insurance included
  • ✓Instant spending notifications

Cons

  • ✗£15/month fee (£180/year)
  • ✗Cashback capped at £15/month
  • ✗Debit card, not credit card
Apply for Monzo Premium →

Revolut (Free Account)

Free multi-currency account with great exchange rates

Pros

  • ✓Completely free - no monthly fees
  • ✓Interbank exchange rates (best available)
  • ✓Hold and exchange 30+ currencies
  • ✓Free ATM withdrawals up to £200/month

Cons

  • ✗No cashback rewards on free tier
  • ✗Debit card, not credit card
  • ✗ATM withdrawal limits on free plan
Apply for Revolut (Free Account) →

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