Google Wallet vs Monese
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Google Wallet | Monese |
|---|---|---|
| Note | 4.3 / 5 | 3.2 / 5 |
| Idéal pour | Contactless payments & passes on Android | Opening an account without local credit history |
| Frais mensuels | Free | Free plan; paid plans available |
| Taux de change | Uses your card's FX terms | FX fee on free plan; lower on paid |
| Envoyer / recevoir | No Google fee; send money only in India and Singapore | Free Monese-to-Monese |
| Retraits | N/A | Monthly free cap, then fee |
| Carte | No standalone card; stores cards, passes & tickets | Yes — debit card |
| Disponibilité | Countries on Google supported-countries list; tap to pay varies by country | UK + EEA |
| Devises | Local card currency | GBP, EUR, RON (hold others) |
| Réglementation | Rides card networks; licences by region | UK FCA; EEA e-money via partners |
| Création | 2011 (Wallet rebrand 2022) | 2015 |
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Avantages
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Inconvénients
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- 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.
Avantages
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Inconvénients
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
En résumé
Globalement, Google Wallet prend l'avantage avec une note de 4.3 contre 3.2 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.