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Monzo Flex vs Revolut Premium (UK)

Compare Monzo Flex and Revolut Premium (UK) side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Monzo Flex versus Revolut Premium (UK) compared by attribute
Feature Monzo Flex Revolut Premium (UK)
Card fee No fee £7.99 GBP/mo (≈ $10)
Purchase APR (from) 29% -
Interest-free period - -
Foreign transaction fee 0% 0%
Rewards Earn cashback at selected partner brands (2–10% depending on offer; partners include Asda, Boots, Currys, Disney+, eBay, Foot Locker and others). Offers are personalised and time-limited; cashback credited to a Cashback Pot within 2–3 days. 1 RevPoint per £4 spent; redeemable 1:1 for Avios or Flying Blue miles
Installments Pay in full at next payment date (0% interest); or split any purchase of £100+ into 3 months at 0%; or spread over 6, 12 or 24 months at 29% APR (variable). No early repayment fee. -
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 Flex if its checked rows above line up with how you spend most.
  • Choose the Revolut Premium (UK) 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.
Full review Monzo Flex Full review Revolut Premium (UK)

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