Last updated: 22 August 2026
By Stiv · Design, technology and personal finance
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Leaning towards Monzo?
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If you are weighing up Monzo vs Biscuit for your everyday banking in 2026, the answer depends on what you actually want from your bank account. One pays interest and cashback on a free account. The other gives you some of the best budgeting tools in UK fintech. Both are app-only, both are FSCS-protected, and both let you spend abroad without fees.
In this comparison, we break down how Monzo and Zopa's Biscuit bank account stack up across savings rates, cashback, features, travel perks, and sign-up offers, so you can decide which one deserves your direct debits.
Comparing Monzo with more than Biscuit? I have also put it against Starling and Chase, and my Monzo guides hub collects every Monzo guide in one place.
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