Google Wallet vs Monese
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Google Wallet | Monese |
|---|---|---|
| Punteggio | 4.3 / 5 | 3.2 / 5 |
| Ideale per | Contactless payments & passes on Android | Opening an account without local credit history |
| Canone mensile | Free | Free plan; paid plans available |
| Tasso di cambio | Uses your card's FX terms | FX fee on free plan; lower on paid |
| Invia / ricevi | No Google fee; P2P limited in many markets | Free Monese-to-Monese |
| Prelievi | N/A | Monthly free cap, then fee |
| Carta | No standalone card; stores cards, passes & tickets | Yes — debit card |
| Disponibilità | Tap-to-pay in 100+ countries | UK + EEA |
| Valute | Local card currency | GBP, EUR, RON (hold others) |
| Regolamentazione | Rides card networks; licences by region | UK FCA; EEA e-money via partners |
| Fondata | 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.
Pro
- Free contactless across 100+ countries
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Contro
- 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.
Pro
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Contro
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
In conclusione
Nel complesso, Google Wallet ha la meglio con un punteggio di 4.3 contro 3.2 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.