Monzo vs bunq
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | bunq |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.0 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Digital nomads needing EU banking + multi-currency |
| Щомісячна комісія | Free → Plus/Premium plans | Free €0; Core €3.99; Pro €9.99; Elite €18.99 |
| Обмінний курс | Mastercard rate, no Monzo markup | Mastercard rate + 0.5% (Free: 1.5% after €1,000 a year) |
| Надсилання / отримання | Free UK transfers | Free instant euro transfers; SWIFT €5 |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | Free: €2.99 each; Pro/Elite: first 6 a month free |
| Картка | Yes — debit Mastercard | Yes — physical & virtual Mastercard |
| Доступність | UK (US in rollout) | EU residents (new UK sign-ups paused) |
| Валюти | GBP (spends abroad at Mastercard rate) | About 20 currencies; local IBANs from 7 EU countries |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | De Nederlandsche Bank (DNB) full EU banking licence |
| Засновано | 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.
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
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.
Плюси
- Full Dutch banking licence, €100k protection
- Multi-currency holding with fair FX
- Multiple sub-accounts & budgeting tools
Мінуси
- 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)
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 4.0 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.