Crunch vs Monzo Business: Complete Comparison (2026)
An in-depth comparison of Crunch and Monzo Business to help you choose the right tool for your business.
Last updated: November 2026
Crunch
5.4/10
UK online accountancy service that pairs bookkeeping and invoicing software with ACCA-regulated accountants for sole traders, contractors and small limited companies.
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 | 5.4/10 | 6.5/10 |
| Analytics | 4/10 | 4/10 |
| Compliance | 8/10 | 7/10 |
| Cost | 5/10 | 8/10 |
| Customization | 3/10 | 4/10 |
| Ease of Use | 7/10 | 9/10 |
| Integration | 3/10 | 6/10 |
| Scalability | 3/10 | 3/10 |
| Security | 6/10 | 7/10 |
| Support | 7/10 | 6/10 |
| Pricing | ||
| Free plan | Yes | Yes |
| Cheapest paid plan | £27/mo Sole Trader Pro | £9/mo Pro |
| Estimated cost for 10 users | Free Crunch Free | £25/mo Team |
| Features | ||
| Financial Reporting | ||
| Multi-currency | ||
| Payroll | ||
| Accountant Access | ||
| Expense Management | ||
| Invoicing | ||
| Online Payments | ||
| Tax Compliance | ||
| Bank Reconciliation | Not listed | |
| Corporate Cards | Not listed | |
| General Ledger | Not listed | |
Crunch vs Monzo Business cost by team size
Crunch costs less up to 10 users; Crunch and Monzo Business cost the same from 25 users.
| Team size | Crunch | Monzo Business |
|---|---|---|
| 1 user | FreeCrunch Free | £9/moPro |
| 5 users | FreeCrunch Free | £25/moTeam |
| 10 users | FreeCrunch Free | £25/moTeam |
| 25 users | FreeCrunch Free | FreeLite |
| 50 users | FreeCrunch Free | 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 Crunch
- Lower estimated cost for 10 users: Free vs £25/mo
- Higher Compliance score (8/10 vs 7/10)
- Higher Support score (7/10 vs 6/10)
- Includes Financial Reporting, which Monzo Business lacks
- Includes Multi-currency, which Monzo Business lacks
Why choose Monzo Business
- Higher Cost score (8/10 vs 5/10)
- Higher Integration score (6/10 vs 3/10)
Pros & Cons
Crunch
Pros
- Paid plans include a qualified UK accountant who prepares and files Self Assessment, Corporation Tax, VAT and year-end accounts.
- Fixed monthly pricing through a published quote tool, backed by a price match guarantee and a 14-day free trial.
- MTD for Income Tax software comes at no extra cost on sole trader plans.
- Dividend vouchers, board minutes and distributable reserves are automated for limited company directors.
- Support is available by phone, live chat, video and email, and Trustpilot reviewers often praise named advisers.
Cons
- Far fewer third-party integrations than Xero or QuickBooks, and no app marketplace.
- Payroll for staff, director Self Assessment and multi-currency all cost extra on top of the base fee.
- Recent reviews complain about inconsistent support and software glitches, such as bank file formats not being recognised.
- A poor fit for complex companies with group structures or share schemes.
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 5.4/10 for Crunch. The largest gap is in Cost: 5/10 for Crunch and 8/10 for Monzo Business.
Crunch costs less for 10 users: free on its Crunch Free plan, against about £25/mo on its Team plan for Monzo Business, billed monthly.
Yes, both Crunch and Monzo Business have a free plan.
Crunch has Financial Reporting, Multi-currency and Payroll, which Monzo Business lacks.
