Abby vs Monzo Business: Complete Comparison (2026)
An in-depth comparison of Abby and Monzo Business to help you choose the right tool for your business.
Last updated: November 2026
Abby
5.9/10
French invoicing and admin app for micro-entrepreneurs and freelancers, covering quotes, e-invoicing, Urssaf filings, bank sync and basic bookkeeping.
Monzo Business
6.5/10
Monzo Business is an app-based UK business bank account for sole traders and limited companies. It includes invoicing, Tax Pots, expense cards and accounting software bank feeds.
Feature-by-Feature Comparison
| Feature | | |
|---|---|---|
| Scores | ||
| Overall Rating | 5.9/10 | 6.5/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 8/10 | 7/10 |
| Cost | 8/10 | 8/10 |
| Customization | 4/10 | 4/10 |
| Ease of Use | 7/10 | 9/10 |
| Integration | 4/10 | 6/10 |
| Scalability | 3/10 | 3/10 |
| Security | 7/10 | 7/10 |
| Support | 4/10 | 6/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | €9/mo Start | £9/mo Pro |
| Estimated cost for 10 users | Free Basique | £25/mo Team |
| Features | ||
| Multi-currency | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Accountant Access | Not listed | |
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| Expense Management | Not listed | |
| Financial Reporting | Not listed | |
| General Ledger | Not listed | |
| Inventory Accounting | Not listed | |
| Payroll | Not listed | |
Abby vs Monzo Business cost by team size
| Team size | Abby | Monzo Business |
|---|---|---|
| 1 user | FreeBasique | £9/moPro |
| 5 users | FreeBasique | £25/moTeam |
| 10 users | FreeBasique | £25/moTeam |
| 25 users | FreeBasique | FreeLite |
| 50 users | FreeBasique | FreeLite |
The plan that fits each team size, billed monthly, before add-ons and usage charges. Each cost opens that tool's pricing calculator for the team size.
Which One Should You Choose?
Why choose Abby
- Higher Compliance score (8/10 vs 7/10)
- Includes Multi-currency, which Monzo Business lacks
Why choose Monzo Business
- Higher Ease of Use score (9/10 vs 7/10)
- Higher Integration score (6/10 vs 4/10)
- Better fit for small business (8/10 vs 6/10)
Pros & Cons
Abby
Pros
- The free Basique plan includes unlimited quotes and invoices plus mandatory e-invoicing, which suits freelancers who are just starting out.
- The DGFiP registered Abby as an approved e-invoicing platform in January 2026, so it is ready for France's e-invoicing reform.
- Urssaf contribution estimates and filings are built in, which removes a recurring chore for micro-entrepreneurs.
- Abby claims ISO 27001 certification and is available on iOS and Android.
Cons
- It serves only French businesses and has no English interface.
- Important features are split across tiers. Bank sync needs Pro, and multiple users and foreign currencies need the 33 euro Business plan.
- Reviewers report chatbot-first support with no phone line, even on Business.
- Some users report bugs such as invoices that would not send, wrong Urssaf amounts and unmatched bank payments.
Monzo Business
Pros
- The Lite plan is free and includes Making Tax Digital software
- Pro adds invoicing, Tax Pots and live feeds to Xero, QuickBooks, FreeAgent and Sage for £9 a month
- The Team plan adds expense cards, payment approvals and bulk payments for up to 15 users
- 24/7 in-app support on every plan
- Licensed UK bank with FSCS deposit protection
Cons
- Holds GBP only, and incoming foreign currency is converted at a 1% fee
- No general ledger or financial statements, so you still need separate accounting software
- Partnerships, LLPs, charities and non-UK businesses cannot open an account
- Cash deposits cost £1 each and are capped
- Reviews report frozen accounts and slow resolution, and there is no dedicated account manager
Not sold on either?
Frequently Asked Questions
Monzo Business scores higher on our Finance Software criteria: 6.5/10 against 5.9/10 for Abby. The largest gap is in Ease of Use: 7/10 for Abby and 9/10 for Monzo Business.
Yes, both Abby and Monzo Business have a free plan.
Monzo Business is the better fit for small business: we rate it 8/10 for them, against 6/10 for Abby.
Abby has Multi-currency, which Monzo Business lacks.
