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Monzo

Monzo

UK Digital Banking

VS

dLocal

Emerging Markets

dLocal
Fees from
Free personal; business from £5/month vs 3-7% all-inclusive
Features

1 shared

3 unique to Monzo · 1 unique to dLocal
Regions

0 shared

1 unique to Monzo · 4 unique to dLocal
Pay methods

3 shared

5 unique to Monzo · 7 unique to dLocal
On payment methods

dLocal supports 10 payment methods, 2 more than Monzo. Verify directly with each provider before signing.

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Show full specs
5 features · 15 payment methods · 5 regions. We don't rank these — they're here for reference.
Monzo Monzo
dLocal dLocal
Quick Facts
Fees
Standard transaction rate
Free personal; business from £5/month
3-7% all-inclusive
Settlement
Time to receive funds
—
2–7 business days
Founded
2015
2016
Headquarters
London, United Kingdom
Montevideo, Uruguay
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Monzo leads (4 vs 2)
Enterprise Unique
—
✓
Instant Payout
✓
✓
Low Fees Unique
✓
—
Recurring Payments Unique
✓
—
Startup Friendly Unique
✓
—
Payment Methods
dLocal leads (10 vs 8)
Amex Unique
—
✓
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Boleto Unique
—
✓
Cash Unique
—
✓
Contactless Unique
✓
—
Debit Card Unique
✓
—
Digital Wallet Unique
—
✓
Direct Debit Unique
✓
—
Google Pay Unique
✓
—
Mastercard
✓
✓
Oxxo Unique
—
✓
Pix Unique
—
✓
Pse Unique
—
✓
Visa
✓
✓
Regions
dLocal leads (4 vs 1)
Africa Unique
—
✓
Asia Unique
—
✓
Europe Unique
✓
—
Latin America Unique
—
✓
Middle East Unique
—
✓

Monzo is best when you...

UK Digital Banking
Need Low Fees
Not available with dLocal
Need Recurring Payments
Not available with dLocal
Want coverage in Europe
dLocal doesn't cover this region
View Monzo

dLocal is best when you...

Emerging Markets
Need Enterprise
Not available with Monzo
Want coverage in Africa, Asia, Latin America, Middle East
Monzo doesn't cover these regions
View dLocal

Frequently Asked Questions

What is the difference between Monzo and dLocal?
They share 3 payment methods and 0 regions. Monzo adds Apple Pay, Contactless, Debit Card and 2 more that dLocal does not list; dLocal adds Amex, Boleto, Cash and 4 more that Monzo does not list; Monzo also covers Europe; dLocal also covers Africa, Asia and 2 more.
Which is cheaper, Monzo or dLocal?
Monzo has published rates from Free personal; business from £5/month; dLocal has published rates from 3-7% all-inclusive. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Monzo and dLocal?
Monzo lists 1 region and 8 payment methods; dLocal lists 4 and 10. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Monzo and dLocal compare on integration and settlement?
both offer a sandbox; both support webhooks; dLocal publishes a settlement time of 2–7 business days.

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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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