Monzo vs AstroPay
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | AstroPay |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.5 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Payments in LatAm & emerging markets |
| Щомісячна комісія | Free → Plus/Premium plans | No annual maintenance/card fee |
| Обмінний курс | Mastercard rate, no Monzo markup | Conversion margin varies |
| Надсилання / отримання | Free UK transfers | P2P supported; varies by corridor |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | Bank-transfer charges may apply |
| Картка | Yes — debit Mastercard | Yes — virtual & physical debit cards |
| Доступність | UK (US in rollout) | LatAm, Asia, Africa & beyond |
| Валюти | GBP (spends abroad at Mastercard rate) | Multiple currencies |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | UK FCA EMI; Isle of Man FSA; Brazil Central Bank |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Мінуси
- 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.
Плюси
- Strong coverage of Latin American payment methods
- No card or annual maintenance fees
- Virtual & physical cards with multi-currency balances
Мінуси
- FX/withdrawal fees vary and can be unclear
- Coverage thinner outside LatAm/emerging markets
- FCA authorisation briefly restricted in 2024 (restored 2025)
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 3.5 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.