Apple Pay vs Monzo
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Apple Pay | Monzo |
|---|---|---|
| Оценка | 4.4 / 5 | 4.4 / 5 |
| Лучше всего для | Contactless payments on Apple devices | Everyday UK banking and budgeting |
| Ежемесячная комиссия | Free | Free → Plus/Premium plans |
| Курс обмена | Uses your card's FX terms | Mastercard rate, no Monzo markup |
| Отправка / получение | Apple Cash P2P free; instant 1.7% | Free UK transfers |
| Выводы средств | Standard Apple Cash free; instant 1.7% | Free in UK; overseas cap then fee on free plan |
| Карта | No standalone card; tokenises existing cards | Yes — debit Mastercard |
| Доступность | Apple Pay 80+ countries; Apple Cash US-only | UK (US in rollout) |
| Валюты | Local card currency; Apple Cash USD | GBP (spends abroad at Mastercard rate) |
| Регулирование | Apple Cash via Green Dot Bank (US); rides card networks | UK PRA/FCA full banking licence (FSCS protected) |
| Основан | 2014 | 2015 |
Apple Pay
Apple Pay is the default contactless wallet for iPhone and Apple Watch users, offering fast, private, tokenized tap-to-pay accepted in 80+ countries with no usage fee. Apple Cash adds US-only peer-to-peer payments inside iMessage. Excellent for everyday spending within the Apple ecosystem but offers no standalone account or Android support.
Плюсы
- Seamless, secure contactless on iPhone/Watch
- Tokenization keeps real card numbers private
- Accepted in 80+ countries
Минусы
- Apple Cash P2P is US-only
- Locked to the Apple ecosystem
- Instant Apple Cash transfers cost 1.7%
Monzo
Monzo is a fully licensed UK app bank with FSCS-protected deposits, best known for its budgeting tools (Pots, spending categories) and fee-free card spending abroad at the Mastercard rate. It is one of the most polished everyday banking apps in the UK, with overseas ATM limits and premium perks reserved for paid tiers.
Плюсы
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Минусы
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Итог
В целом Apple Pay выходит вперёд с оценкой 4.4 против 4.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.