Monzo vs X1 Card
Two virtual cards people weigh up side by side. We put Monzo and X1 Card on the same rows so the difference is easy to see.
Monzo issues on Visa · Mastercard and X1 Card on Visa; both ask for ID + proof.
Monzo is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee. X1 Card still clears the same checkouts in our tests, so match the table to the services you actually pay for.
Side by side
| Field | Monzo | X1 Card |
|---|---|---|
| Card network | Visa/Mastercard | Visa |
| Card type | Digital Bank / Neobank | Fintech Wallet |
| KYC | ID + proof | ID + proof |
| Card issuance fee | Free (with Monzo account) | Free (metal card) |
| Monthly fee | Free (standard account) | No annual fee |
| Top-up fee | — | — |
| FX fee | No FX fees | 0% |
| Crypto funding | No | No |
| AI tool support | — | — |
| Risk level | Low-Medium | Low |
| Our rating | 8.3 | 8.5 |
| User reviews | 407 | 77 |
| Best for | App Store / Play · Free issuance | App Store / Play · Free issuance |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
The head to head
- X1 Card carries the lower risk flag in our file, which some users prefer for a primary card.
- They trade blows — pick on the two or three rows that match how you actually spend.
What sets them apart
Monzo is the cheaper card to hold: free to create and no top-up fee, against free and no top-up fee at X1 Card. X1 Card earns its keep only if you need the rows where it leads in the table.
Questions people ask
That depends on what you spend on. Monzo scores 8.3/10 against X1 Card's 8.5/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Monzo is the cheaper card to run. Both Monzo and X1 Card issue virtual cards for free.
Monzo asks for ID + proof at signup; X1 Card asks for ID + proof. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Zoom Video Communications. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Monzo and X1 Card both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
🧳 Travel & Productivity 1
Their BIN ranges
Cards issued in 🇬🇧 UK · 🇺🇸 US — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: