Countingup vs Monzo Business: what each publishes
As of October 17, 2026, we hold published rules from Countingup on 5 of 7 industries and from Monzo Business on 5.
Not a ranking: the two names are in alphabetical order. The free check applies every provider’s rules to your own answers.
Where it takes companies from
Policy by industry
| Industry | Countingup | Monzo Business |
|---|---|---|
| Crypto | No | Depends on the activity |
| iGaming | No | No |
| Adult | No | No published rule |
| Unlicensed financial services | No | No |
| Forex and CFD | No | No |
| Marketplace | No published rule | No |
| AI and SaaS | No published rule | No published rule |
Where owners must live
Countingup
have all Persons of Significant Control be UK residents
Monzo Business
You can apply for an account if you’re:
a sole trader, or the director of a registered limited company by shares (Ltd),
based in the UK
Rules about countries
Countingup
No published rule
Monzo Business
No published rule
Fees
Countingup
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Monthly deposits up to GBP 750 | Not stated | GBP 5 after a 3-month free trial | · Source |
| Monthly deposits GBP 750.01 to GBP 7,500 | Not stated | GBP 12 after a 3-month free trial | · Source |
| Monthly deposits above GBP 7,500 | Not stated | GBP 20 after a 3-month free trial | · Source |
Monzo Business
| Plan | Account opening | Monthly | Checked |
|---|---|---|---|
| Lite | Not stated | GBP 0 a month ('Maintaining the account (Lite)') | · Source |
| Pro | Not stated | GBP 9 a month ('Maintaining the account (Pro)') | · Source |
| Team | Not stated | GBP 25 a month, plus GBP 5 a month for each member after the first 6 ('Each additional member after first 6 members (Team)') | · Source |
Closing an account
Countingup
16.1 We can terminate this Agreement and close your Account at any time: 16.1.1 if we give you 90 days' notice and refund the Available Balance to you
Monzo Business
We can close your account by giving you at least 90 days' notice.
Licence
| Licensee | Countingup | Monzo Business |
|---|---|---|
| Licensee | Griffin Bank Ltd · bank authorised by the PRA and regulated by the FCA and the PRA (FRN 970920), which provides new Countingup accounts · Prepay Technologies Ltd · EMI authorised by the FCA (FRN 900010), for older accounts | Monzo Bank Ltd · bank authorised by the PRA and FCA (FRN 730427) |
| Regulator | FCA / PRA · | PRA / FCA · |