Best Monzo Alternatives in 2026
Updated
20 apps from digital wallet apps ranked against Monzo on the same published basis.
- 1Monzo vs Google Pay
- 2Monzo vs Monese
- 3Monzo vs Wise
- 4Monzo vs GoPay
- 6Monzo vs Neteller
- 7Monzo vs PayPal Invoicing
- 8Monzo vs PhonePe
- 9Monzo vs Venmo
- 10Monzo vs Apple Pay
- 11Monzo vs Coinbase Wallet
- 12Monzo vs Guarda Wallet
- 13Monzo vs Trust Wallet
- 14Monzo vs MetaMask
- 15Monzo vs Cash App Taxes
- 16Monzo vs Alipay
- 17Monzo vs Orange Money
- 18Monzo vs Revolut Business
- 19Monzo vs eSewa
- 20Monzo vs GrabPay
- 21Monzo vs PayPay
Monzo alternatives compared
| # | App | Score | Free plan | From | Runs on |
|---|---|---|---|---|---|
| 1 | Google Pay | 7.9 | Free plan | Free | Android, iOS, Web |
| 2 | Monese | 7.9 | Free plan | £2.50/mo | Android, iOS, Web |
| 3 | Wise | 7.9 | Free plan | Free | Android, iOS, Web |
| 4 | GoPay | 7.8 | Free plan | Free | Android, iOS |
| 6 | Neteller | 7.8 | Free plan | Free | Android, iOS, Web |
| 7 | PayPal Invoicing | 7.8 | Free plan | Free | Web, iOS, Android |
| 8 | PhonePe | 7.8 | Free plan | Free | Android, iOS |
| 9 | Venmo | 7.8 | Free plan | Free | Android, iOS, Web |
| 10 | Apple Pay | 7.7 | Free plan | Free | iOS, Mac, Web, Windows |
| 11 | Coinbase Wallet | 7.7 | Free plan | Free | Android, Browser, iOS, Web |
| 12 | Guarda Wallet | 7.7 | Free plan | Free | Android, Browser, iOS, Linux, Mac, Web, Windows |
| 13 | Trust Wallet | 7.7 | Free plan | Free | Android, Browser, iOS |
| 14 | MetaMask | 7.6 | Free plan | $16.58/mo | Android, iOS, Web |
| 15 | Cash App Taxes | 7.5 | Free plan | Free | Web, iOS, Android |
| 16 | Alipay | 7.3 | No | — | Android, iOS |
| 17 | Orange Money | 7.1 | No | — | Android, iOS, Web |
| 18 | Revolut Business | 7.0 | No | £10/mo | Android, API, iOS, Web |
| 19 | eSewa | 6.9 | No | — | Android, iOS, Web |
| 20 | GrabPay | 6.9 | No | — | iOS, Android |
| 21 | PayPay | 6.9 | No | — | iOS, Android |
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Questions about Monzo alternatives
What is the best alternative to Monzo?
Google Pay, number 1 in digital wallet apps with a score of 7.9 out of 10. The others here: Monese, Wise, GoPay and 16 more.
What is the best free alternative to Monzo?
Google Pay is the best-ranked alternative with a free plan. 14 of the 20 alternatives here publish a free plan on their own pricing pages.
How are these alternatives ranked?
Ranked mobile-first: a phone app alongside the web or desktop product, a free tier and the depth of its documentation.