Monzo Revolut
On what the policies say, there's nothing between them. Both are graded D.
Monzo
Monzo does train AI on customer data — but only where it cannot anonymise it first, and it bars its AI suppliers from training on you at all.
Verdict
D
- Trains on you by default
- Opt out by contacting support
- On by default. An opt-out exists, but you have to go looking for it.
- 5 Oct 2026
Revolut
Revolut trains internal models on customer data, including credit decisions made by AI with no human input. You can object — but it warns that objecting may cost you the account.
Verdict
D
- Trains on you by default
- Opt out by contacting support
- On by default. An opt-out exists, but you have to go looking for it.
- 5 Oct 2026
Monzo: every plan
Monzo · what each plan can refuse · checked 5 Oct 2026
All accounts
YES
Contact support
Not stated
Yes, stated
Unknown
32 / 50
On by default, with a way out
18 / 33
Refusing means writing to the company
0 / 4
No paywall on the control
1 / 4
2 kinds of data are in scope
2 / 4
The policy does not say whether people read it
-2 / 2
The policy says data is de-identified first
All accountsTRAINS: YES
- Contact support
- Not stated
- 51 / 100
- Yes, stated
- Unknown
Revolut: every plan
Revolut · what each plan can refuse · checked 5 Oct 2026
All accounts
YES
Contact support
Not stated
Not stated
Yes, with opt-out
32 / 50
On by default, with a way out
18 / 33
Refusing means writing to the company
0 / 4
No paywall on the control
2 / 4
3 kinds of data are in scope
2 / 4
People may read it unless you opt out
2 / 2
Nothing is said about de-identification
All accountsTRAINS: YES
- Contact support
- Not stated
- 56 / 100
- Not stated
- Yes, with opt-out