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Alternatives

Best Moneco alternatives

Moneco scores 6.6. These are live products this desk would open next — each with a full review, not a leftover affiliate tile.

6.6Mixed

4.3 user score on Moneco · compare licences below

MonecoWiseRevolutBforBankMetaMask
Editorial score6.68.68.67.17.4
HQParisLondonLondonParisNew York
MonthlyFreemium / corridor-priced — confirm liveFree personal Free BforBASIC often €0 — confirm live; paid SKUs existFree
ProtectionNot FGDR. A French-looking IBAN on an EMI is safSafeguarded EMI funds in the UK — not FSCS. LocaFSCS up to £85,000 on UK bank balances; EMI safeFGDR up to €100,000 per depositor per credit insSelf-custody. No scheme.
Cardvisamastercardvisavisanone
UsersDiaspora fintech16M+50M+~500,000100M+

Full alternatives

#1 alternative

Wise

active

The mid-market FX rail everyone else is measured against.

4.7

London · 16M+ · Public (WISE)

8.6Strong

The control for cross-border. Pair with a licensed local bank for salary protection. Never describe Wise personal as a UK bank account.

Best for: Anyone who receives or sends money across borders for a living.

Why it beats Moneco

  • Honest FX — the number others hide
  • Local details that make you look domestic
  • Business platform that scales past the card

Watch-outs

  • Not a bank in the UK — no FSCS on the EMI wallet
  • Account reviews can freeze funds mid-invoice
  • ATM and spend caps on the free plan
Licence
EMI (personal)
Protection
Safeguarded EMI funds in the UK — not FSCS. Local bank details may sit at partner banks.
Monthly
Free personal · Wise Business subscription optional
Full Wise reviewWise alternativesVisit Wise

#2 alternative

Revolut

active

Global money app that finally became a UK bank.

4.7

London · 50M+ · $1.7B raised · ~$45B val.

8.6Strong

The default comparison set for a reason. Treat the UK bank product and the e-money wallet as different legal objects, then Revolut wins most travel and multi-currency briefs. It is not the quietest home for a salary if you want a full-licence high-street feel — that is still Starling or Monzo in the UK.

Best for: People who live in more than one currency and want one app for spend, FX, and extras.

Why it beats Moneco

  • Best-in-class FX for travellers on paid plans
  • Product depth: bank, broker, crypto, cards, kids
  • UK bank licence closes the old EMI objection for eligible users

Watch-outs

  • Support quality does not match the feature list
  • Weekend FX and fair-usage ATM rules catch Standard users
  • Crypto and stock sleeves are not the bank
Licence
UK bank (eligible customers)
Protection
FSCS up to £85,000 on UK bank balances; EMI safeguarding on e-money wallets
Monthly
Free · Plus/Premium/Metal/Ultra paid
Full Revolut reviewRevolut alternativesVisit Revolut

#3 alternative

BforBank

active

Crédit Agricole’s online bank. ACPR credit institution. FGDR. French IBAN, bank code 16218.

Paris · ~500,000 · Crédit Agricole group / 2025 recapitalisation

7.1Solid

BforBank is a French credit institution in the Crédit Agricole group. ACPR plus AMF. FGDR. Bank code 16218, BIC BFOBFRP1. Founded 2009, about 500,000 customers. Recapitalised in 2025. This is a bank. Qonto is an EMI-class business account. Different objects. N26 is a German IBAN.

Best for: France residents who want a CA-group online bank IBAN without living in a branch, and do not already sit at CA for the cap.

Why it beats Moneco

  • Named ACPR credit institution
  • FGDR
  • Sixteen years of operating history

Watch-outs

  • Group deposit-cap maths with Crédit Agricole
  • Not a travel FX home
  • App is a bank app
Licence
Credit institution
Protection
FGDR up to €100,000 per depositor per credit institution — Crédit Agricole group, so do not blindly double-count next to a CA / LCL salary account
Monthly
BforBASIC often €0 — confirm live; paid SKUs exist
Full BforBank reviewBforBank alternativesVisit BforBank

#4 alternative

MetaMask

active

The EVM browser wallet. Infrastructure, not a bank.

4.2

New York · 100M+ · ConsenSys equity

7.4Solid

Not optional if you use EVM. Not a savings product.

Best for: Anyone using Ethereum and L2s.

Why it beats Moneco

  • Standard
  • Snaps
  • Everywhere

Watch-outs

  • Phishing is the support queue
  • Swap fees
  • UX for civilians
Licence
See review
Protection
Self-custody. No scheme.
Monthly
Free · swap / bridge fees
Full MetaMask reviewMetaMask alternativesVisit MetaMask

#5 alternative

Trust Wallet

active

Binance-adjacent mobile self-custody, huge in emerging markets.

4.6

Global · 200M+ · Acquired by Binance 2018

7.6Solid

The emerging-market wallet. Teach seed hygiene before you recommend it.

Best for: Mobile-first self-custody, especially outside the US/EU banking core.

Why it beats Moneco

  • Reach
  • Multi-chain
  • Free

Watch-outs

  • Phishing surface (dApp browser)
  • Binance association is a feature and a scare quote
Licence
See review
Protection
Self-custody. No scheme.
Monthly
Free · dapp / swap fees
Full Trust Wallet reviewTrust Wallet alternativesVisit Trust Wallet

#6 alternative

Exodus

active

Pretty self-custody wallet with built-in swap.

4.5

Omaha · 4M+ · Public (EXOD)

7.6Solid

A wallet. If you lose the seed, this register cannot help you.

Best for: People moving off an exchange who still want a designed app.

Why it beats Moneco

  • UX for self-custody
  • Multi-asset
  • Listed company

Watch-outs

  • Swap is not the cheapest
  • Seed phrase is the product risk
Licence
See review
Protection
Self-custody — you are the bank. No scheme.
Monthly
Free wallet · swap spreads
Full Exodus reviewExodus alternativesVisit Exodus

Questions

01

Why look beyond Moneco?

Moneco is scored 6.6. Weaknesses on this desk: Scheme; Entity literacy. Alternatives above are scored independently, not paid placements.

02

Are these Moneco alternatives available in the same countries?

Coverage is per product. Open the country desk and the individual review — a UK bank licence does not travel, and an EMI is not FSCS.

03

How do I compare them side by side?

Use Compare on any card, up to four products, then open the compare desk.

Back to the Moneco review