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Monzo

Monzo

UK Digital Banking

VS

Cardnet

Dominican Card Processing

Cardnet
Fees from
Free personal; business from £5/month vs Custom
Features

0 shared

4 unique to Monzo · 1 unique to Cardnet
Regions

0 shared

1 unique to Monzo · 1 unique to Cardnet
Pay methods

2 shared

6 unique to Monzo

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Show full specs
5 features · 8 payment methods · 2 regions. We don't rank these — they're here for reference.
Monzo Monzo
Cardnet Cardnet
Quick Facts
Fees
Standard transaction rate
Free personal; business from £5/month
Custom
Settlement
Time to receive funds
—
Next business day
Founded
2015
2000
Headquarters
London, United Kingdom
Santo Domingo, Dominican Republic
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Monzo leads (4 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
✓
—
Low Fees Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
Monzo leads (8 vs 2)
Apple Pay Unique
✓
—
Bank Transfer Unique
✓
—
Contactless Unique
✓
—
Debit Card Unique
✓
—
Direct Debit Unique
✓
—
Google Pay Unique
✓
—
Mastercard
✓
✓
Visa
✓
✓
Regions
Europe Unique
✓
—
Latin America Unique
—
✓

Monzo is best when you...

UK Digital Banking
Need Instant Payout
Not available with Cardnet
Need Low Fees
Not available with Cardnet
Want coverage in Europe
Cardnet doesn't cover this region
View Monzo

Cardnet is best when you...

Dominican Card Processing
Need Enterprise
Not available with Monzo
Want coverage in Latin America
Monzo doesn't cover this region
View Cardnet

Frequently Asked Questions

What is the difference between Monzo and Cardnet?
They share 2 payment methods and 0 regions. Monzo adds Apple Pay, Bank Transfer, Contactless and 3 more that Cardnet does not list; Monzo also covers Europe; Cardnet also covers Latin America; only Monzo offers Instant Payout, Low Fees and 2 more.
Which is cheaper, Monzo or Cardnet?
Monzo has published rates from Free personal; business from £5/month; Cardnet has custom pricing quoted on engagement. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Monzo and Cardnet?
Monzo lists 1 region and 8 payment methods; Cardnet lists 1 and 2. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Monzo and Cardnet compare on integration and settlement?
both offer a sandbox; both support webhooks; Cardnet publishes a settlement time of Next business day.

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Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

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