Monarch Money vs Revolut
Which is better in 2026? Five scores, side by side.
Monarch Money is the better app overall, scoring 9.1 to 8.6. Monarch Money wins on 4 of the 5 scores, Revolut on 1.
Couples and families who want one shared view of all their money
Frequent travelers who want one app for spending, saving and currency exchange
Score by score
The details
| Feature | Monarch Money | Revolut |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #1 of 10 | #5 of 10 |
| Developer | Monarch Money, Inc. | Revolut Ltd |
| Pricing | Subscription | Free + paid plans |
| Usable for free | No | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | ✓ |
| Web | ✓ | ✓ |
Strengths and weaknesses
Monarch Money
- Budgets, investments and net worth live in one place
- Invite a partner at no extra cost
- Clean, fast apps on web and mobile
- No free tier once the trial ends
- Bank sync hiccups need occasional manual fixes
Monarch Money is the most complete money app for most households. It pulls in bank, card, loan and investment accounts, then gives you flexible budgets, cash-flow reports, goals and a clear net worth view. You can invite a partner at no extra cost, which makes it ideal for couples. The catch is there is no free plan, and bank connections still break now and then.
Full Monarch Money review
Revolut
- Free plan covers spending, transfers and budgeting
- Strong exchange rates on weekdays within plan limits
- Fast, feature-rich app with instant notifications
- Constant upsells and a crowded interface
- Support can be slow if your account is flagged
Revolut packs a lot into one app: multi-currency spending, budgeting tools, savings vaults, investing and travel perks. The free Standard plan is genuinely useful, and paid plans add higher limits and extras. The trade-off is complexity and constant upsells. Support can be slow if your account gets flagged for review, so keep a traditional bank account as a backup.
Full Revolut review
