Category: Fintech & Neobanks

8 European alternatives to Monzo — GDPR-compliant & EU-hosted.

British neobank with smart budgeting tools and instant notifications

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Facts

Headquarters: GB (OTHER)
Category: Fintech & Neobanks
Type: Product
GDPR-compliant: Yes
Open-source: No
Data hosting: EU

Top EU-based & GDPR-compliant alternatives to Monzo

Finom
Dutch fintech for business accounts with integrated invoicing
NL · commercial
↗
Holvi
Finnish digital bank for self-employed and small companies with invoicing tools
FI · commercial
↗
Knab
Dutch online bank focused on entrepreneurs and investors
NL · commercial
↗
N26
German mobile neobank with free account and real-time notifications
DE · commercial
↗
Qonto
French neobank for companies and self-employed with accounting- and expense management
FR · commercial
↗
Tomorrow
German sustainable bank that invests money in climate and environmental projects
DE · commercial
↗
Triodos Bank
Dutch sustainable bank that exclusively invests in social and green projects
NL · commercial
↗
Vivid Money
German fintech app for banking, investing and cashback rewards
DE · commercial
↗

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Frequently asked questions

What is the best European alternative to Monzo?

It depends on your use case. Strong EU alternatives to Monzo include Finom, Holvi and Knab. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to Monzo?

Our list of EU alternatives to Monzo is mostly commercial options. Browse the category on the map for open-source choices.

Is Monzo GDPR-compliant and where is the data hosted?

Monzo is headquartered in GB (OTHER) and hosts data in EU. The vendor states it is GDPR-compliant, but the data falls under non-EU jurisdiction. For full EU data residency the EU alternatives on this page usually offer more certainty.

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