Monzo vs bunq
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | bunq |
|---|---|---|
| Ocena | 4.4 / 5 | 4.0 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Digital nomads needing EU banking + multi-currency |
| Opłata miesięczna | Free → Plus/Premium plans | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Kurs wymiany | Mastercard rate, no Monzo markup | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Wysyłanie / odbiór | Free UK transfers | Free instant euro transfers; SWIFT €5 |
| Wypłaty | Free in UK; overseas cap then fee on free plan | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Karta | Yes — debit Mastercard | Yes — physical & virtual Mastercard |
| Dostępność | UK (US in rollout) | EU residents (new UK sign-ups paused) |
| Waluty | GBP (spends abroad at Mastercard rate) | About 20 currencies; local IBANs from 7 EU countries |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | De Nederlandsche Bank (DNB) full EU banking licence |
| Założono | 2015 | 2012 |
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.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
bunq
bunq is an Amsterdam-based challenger bank with a full Dutch banking licence and €100,000 deposit protection, popular with digital nomads for its multi-currency support, sub-accounts and savings interest. Its free plan is limited (virtual card only, €2.99 per ATM withdrawal), so most travellers will want Core or Pro. A strong choice for EU residents wanting flexible, feature-rich banking.
Zalety
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Wady
- Free plan has only a virtual card and €2.99 ATM fees
- Free plan FX rises to 1.5% after €1,000 a year
- EU residents only (UK sign-ups paused, US pending a licence)
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 4.0 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.