Monzo Extra
Cash back
Monzo Extra
Monzo - Mastercard - Debit card
4.2
4.2 out of 5
8.4/10
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Head-to-head
Monzo Extra vs Biscuit by Zopa
Compare Monzo Extra and Biscuit by Zopa side by side: fees, rewards, APR, and perks.
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Biscuit by Zopa
Cash back
Biscuit by Zopa
Zopa Bank - Visa - Debit card
4.7
4.7 out of 5
9.4/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Monzo Extra | Biscuit by Zopa |
|---|---|---|
| Card fee | £3 GBP/mo (≈ $4) | No fee |
| Purchase APR (from) | - | - |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 0% |
| Rewards | All free-tier retailer cashback offers plus 5% AER on the Saving Challenge pot. Virtual cards for organised spending. Auto-export of transactions to Google Sheets. | 2% cashback on eligible Direct Debit bill payments, on up to £1,500 of Direct Debits per year (maximum £30 cashback per year). Also earns 2.00% AER variable interest on the full everyday balance with no upper limit. |
| Installments | - | - |
| No card fee | - | |
| No foreign transaction fee | ||
| Welcome bonus | - | - |
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Monzo Extra if its checked rows above line up with how you spend most.
- Choose the Biscuit by Zopa if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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