Monzo vs bunq
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | bunq |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Digital nomads needing EU banking + multi-currency |
| Ежемесячная комиссия | Free → Plus/Premium plans | ~€3–€18/mo (Core/Pro/Elite) |
| Курс обмена | Mastercard rate, no Monzo markup | ~0.5–1.5% by plan/currency |
| Отправка / получение | Free UK transfers | Free SEPA on paid plans |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Limited free ATM on higher plans |
| Карта | Yes — debit Mastercard | Yes — physical & virtual Mastercard |
| Доступность | UK (US in rollout) | 30+ EEA countries (+ UK via e-money) |
| Валюты | GBP (spends abroad at Mastercard rate) | ~20+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | De Nederlandsche Bank (DNB) full EU banking licence |
| Основан | 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.
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
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. Unlike some rivals it is subscription-based with no fully free everyday plan. A strong choice for EU residents wanting flexible, feature-rich banking.
Плюсы
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Минусы
- No fully free everyday plan (subscription)
- FX markup higher on lower tiers
- Mainly EEA-focused availability
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 4.0 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.