Google Wallet vs Monese
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Google Wallet | Monese |
|---|---|---|
| Bewertung | 4.3 / 5 | 3.2 / 5 |
| Ideal für | Contactless payments & passes on Android | Opening an account without local credit history |
| Monatsgebühr | Free | Free plan; paid plans available |
| Wechselkurs | Uses your card's FX terms | FX fee on free plan; lower on paid |
| Senden / Empfangen | No Google fee; P2P limited in many markets | Free Monese-to-Monese |
| Auszahlungen | N/A | Monthly free cap, then fee |
| Karte | No standalone card; stores cards, passes & tickets | Yes — debit card |
| Verfügbarkeit | Tap-to-pay in 100+ countries | UK + EEA |
| Währungen | Local card currency | GBP, EUR, RON (hold others) |
| Regulierung | Rides card networks; licences by region | UK FCA; EEA e-money via partners |
| Gegründet | 2011 (Wallet rebrand 2022) | 2015 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use and accepted in over 100 countries, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but its peer-to-peer money features have been scaled back. The natural everyday wallet for Android users.
Vorteile
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Nachteile
- No own account or balance in most markets
- P2P money-sending wound down in many regions
- Feature set varies widely by country
Monese
Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies. It is quick to set up and useful for the underbanked, though free-plan fees, its e-money (not full-bank) status and reported financial-stability concerns are worth weighing.
Vorteile
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Nachteile
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
Das Fazit
Insgesamt liegt Google Wallet mit einer Bewertung von 4.3 gegenüber 3.2 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.