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re-cap.com VS Monzo

Compare re-cap.com VS Monzo and see what are their differences

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bank of the Free! Mobile banking that makes life easy. featured
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re-cap.com logo re-cap.com

The smartest way for companies to own liquidity

Monzo logo Monzo

The bank of the future
  • re-cap.com Liquidity Analysis Dashboard
    Liquidity Analysis Dashboard //
    2025-04-01
  • re-cap.com Liquidity Forecast
    Liquidity Forecast //
    2025-04-01
  • re-cap.com Accounting Automation Dashboard
    Accounting Automation Dashboard //
    2025-04-01
  • re-cap.com Funding Plan Overview
    Funding Plan Overview //
    2025-04-01

The Capital Operating System

Debt funding, liquidity management, financial operations: with re:cap, they’re all seamlessly integrated in one platform. Fully customizable to fit the needs of the digital economy.

Financial products and operations belong together – but often don’t. The result: manual workflows, scattered insights, and funding gaps you can’t close. re:cap connects the dots, integrating financial products and operations into one.

  • Monzo Landing page
    Landing page //
    2023-09-11

re-cap.com

Website
re-cap.com
Pricing URL
Official re-cap.com Pricing
$ Details
freemium €39.0 / Monthly
Startup details
Country
Germany
Founder(s)
Paul Becker, Jonas Tebbe
Employees
50 - 99
Edit details

Monzo

Website
monzo.com
Pricing URL
-
$ Details
-
Edit details

re-cap.com features and specs

  • Manage liquidity
    With re:cap, you get an automated and real-time overview of your cash position.
  • Forecast liquidity
    Use re:cap to forecast liquidity with the full scope of your cash data.
  • Get liquidity
    Identify cash gaps and fill them instantly with re:cap's debt funding.

Monzo features and specs

  • Ease of Use
    Monzo offers a user-friendly interface with intuitive navigation, making banking simple even for those who aren't tech-savvy.
  • No Fees for Spending Abroad
    Monzo does not charge foreign transaction fees when you spend money abroad, which can save frequent travelers a significant amount.
  • Instant Notifications
    Users receive instant notifications whenever money is spent or received, allowing for real-time tracking of finances.
  • Budgeting Tools
    Monzo provides built-in budgeting tools that help users track their spending and set financial goals.
  • No Overdraft Fees
    Monzo does not charge overdraft fees, providing a safety net for users who occasionally spend more than they have in their account.

Possible disadvantages of Monzo

  • Limited Branch Access
    As a digital-only bank, Monzo does not have physical branches, which may be inconvenient for users who prefer in-person banking.
  • Cash Deposit Limitations
    Depositing cash into a Monzo account can be cumbersome, as it requires going through third-party services with associated fees and limitations.
  • Limited Range of Services
    Monzo may not offer the full range of financial services (like mortgages and extensive investment options) that traditional banks provide.
  • Lower Interest Rates
    Monzo's savings accounts may offer lower interest rates compared to some traditional banks and other online savings accounts.
  • International Customer Service
    Monzo's customer support can sometimes be less accessible compared to traditional banks, especially for users outside the UK and US.

re-cap.com videos

No re-cap.com videos yet. You could help us improve this page by suggesting one.

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Monzo videos

+ Add

Monzo Review Update 2019 - One Year Later!

More videos:

  • Review - Monzo Review 2020 - All The Quirks And Features
  • Review - WHAT IS MONZO? - Monzo Bank Review 2020 | What I Love And Want To See Improve.

Category Popularity

0-100% (relative to re-cap.com and Monzo)

re-cap.com

Monzo

Funding
100 100%
Funding
0% 0
Online Payments
0 0%
Online Payments
100% 100
Finance
11 11%
Finance
89% 89
Payment Platform
0 0%
Payment Platform
100% 100

User comments

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Social recommendations and mentions

Based on our record, Monzo seems to be more popular. It has been mentiond 17 times since March 2021. We are tracking product recommendations and mentions on various public social media platforms and blogs. They can help you identify which product is more popular and what people think of it.

re-cap.com mentions (0)

We have not tracked any mentions of re-cap.com yet. Tracking of re-cap.com recommendations started around Apr 2025.

Monzo mentions (17)

  • Wise Account for UK Student in the US
    Not entirely relevant to your question but monzo have US accounts, https://monzo.com/us/. Source: almost 2 years ago
  • Sun's out, and so are our new features ☀️
    In case you missed it, our Monzo US website also got a makeover! We still have big plans to make it easier to find resources you need to make managing your money easy. Be sure to watch this space. 👀. Source: almost 2 years ago
  • How do I cancel and close my account?
    If you can't log in the help email is at the bottom of the US homepage https://monzo.com/us/. Source: about 2 years ago
  • I can’t find a thread on One alternatives- is there one and if so can it be pinned 📌?
    I did some digging and found out that the most popular neobank, Monzo, in the UK came to the US and it seems incredibly promising! As a larger and more established Neobank, they are much less likely to sell out to big corporations (RIP Simple and One). They seem to have a lot of similar ideas One had and are even working on adding more, all based on live input from their users. The website is ... Source: over 2 years ago
  • Monzo + DAS Budget
    So basically check out https://dasbudget.com/features and https://monzo.com/us/. Combine all those features and consider that Monzo has a public API that allows DAS Budget to get instant transaction updates from it. Source: over 2 years ago
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What are some alternatives?

When comparing re-cap.com and Monzo, you can also consider the following products

AGICAP - AGICAP is a Cash flow management software designed specifically to help individuals and small businesses manage their cash flow, record their transactions and make more money.

Wise - Currency exchange Banks and other providers could charge you up to 5% in hidden costs when sending ...

Capchase - The most-trusted finance partner for SaaS

Revolut - The easiest, fastest way to save for your financial goals.

Qonto - The neobank for SMEs and freelancers

N26 - The Mobile Bank

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