Monzo vs AstroPay
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | AstroPay |
|---|---|---|
| Оценка | 4.4 / 5 | 3.5 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Payments in LatAm & emerging markets |
| Ежемесячная комиссия | Free → Plus/Premium plans | No annual maintenance/card fee |
| Курс обмена | Mastercard rate, no Monzo markup | Conversion margin varies |
| Отправка / получение | Free UK transfers | P2P supported; varies by corridor |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Bank-transfer charges may apply |
| Карта | Yes — debit Mastercard | Yes — virtual & physical debit cards |
| Доступность | UK (US in rollout) | LatAm, Asia, Africa & beyond |
| Валюты | GBP (spends abroad at Mastercard rate) | Multiple currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Основан | 2015 | 2009 |
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
AstroPay
AstroPay is a London-headquartered, Uruguay-born wallet specialising in Latin American and emerging-market payments, offering local funding options, virtual/physical debit cards and multi-currency balances with no card or maintenance fees. It is a natural fit for cross-border payments into the region, though FX and withdrawal pricing varies. Best for users transacting in or with Latin America.
Плюсы
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Минусы
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.5 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.