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| Monese | Monzo | Revolut | Starling Bank | Cashplus | |
|---|---|---|---|---|---|
| Account fees & charges | Simple account £0/m | Current account £0/m | Standard account £0/m and £4.99 card delivery fee | Current account £0/m | Activeplus account £5.95/m and £5.95 card issue fee |
| Current Account Switch Service | No | Yes | No | Yes | No |
| Pay direct debits | Yes | Yes | Yes | Yes | Yes |
| ATM withdrawal limit | £200 free per month, 2% charge thereafter | £400 free per day, £5,500 free per month | £200 free per month, 2% charge thereafter | Up to 6 withdrawals a day with a daily limit of £300 | £500 per day |
| Arranged overdraft cost | Overdraft not available | 19%, 29% or 39% EAR variable, depending on your credit rating | Overdraft not available | 15%, 25% or 35% EAR variable, depending on your credit rating | Varies depending on your credit limit. |
| Savings interest | N/A | N/A | N/A | 0.05% AER on credit balances up to £85,000 | N/A |
| Loan facility | No | Yes | Yes | Yes | Yes |
| FSCS protected | No | Yes | No | Yes | No |
| FCA regulated | Yes | Yes | Yes | Yes | Yes |
| Deposit cash | Any Post Office or Pay Point | Any store with PayPoint | Unable to accept cash | Any Post Office | Any Post Office |
| Deposit cheques | Unable to accept cheques | Post cheques to Monzo using Freepost | Unable to accept cheques | Deposit cheques via the app by taking a photo of the cheque | Unable to accept cheques |
| Fee-free spending abroad | Up to £2000 | Yes | Yes | Yes | Yes |
