Monzo vs N26
A side-by-side comparison of Monzo and N26 — TrustScores, verified reviews and ratings across the App Store and Google Play, updated for 2026.
Head-to-head
| Metric | Monzo | N26 |
|---|---|---|
| TrustScore (/5) | 3.9 | 3.5 |
| Total reviews | 3,133 | 3,578 |
| Proof-verified reviews | 2,438 | 2,685 |
| App Store rating | 4.3 | 2.8 |
| Google Play rating | 4.0 | 2.8 |
| Region | Global | Germany |
| Founded | 2015 | 2013 |
Monzo · rating distribution
5
1,237 · 39%
4
875 · 28%
3
440 · 14%
2
241 · 8%
1
340 · 11%
N26 · rating distribution
5
1,311 · 37%
4
1,034 · 29%
3
534 · 15%
2
271 · 8%
1
428 · 12%
The verdict
Monzo edges ahead with a TrustScore of 3.9/5 versus 3.5/5 for N26 — but the right choice depends on the features and fees that matter to you. Read the verified reviews for both before deciding.
Explore more banks or see alternatives to Monzo and alternatives to N26.