Monzo vs Cash App
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Cash App |
|---|---|---|
| Note | 4.4 / 5 | 4.0 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Simple everyday banking and payments |
| Frais mensuels | Free → Plus/Premium plans | Free |
| Taux de change | Mastercard rate, no Monzo markup | N/A |
| Envoyer / recevoir | Free UK transfers | Free standard P2P; instant ~0.5–1.75% |
| Retraits | Free in UK; overseas cap then fee on free plan | Standard free; instant-to-debit fee |
| Carte | Yes — debit Mastercard | Yes — Cash Card (Visa debit) |
| Disponibilité | UK (US in rollout) | United States & United Kingdom |
| Devises | GBP (spends abroad at Mastercard rate) | USD (US), GBP (UK) |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; Block, Inc. |
| Création | 2015 | 2013 |
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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Cash App
Cash App blends peer-to-peer payments with light banking, a free debit card, and built-in Bitcoin and stock investing. Standard transfers are free while instant cash-outs and crypto carry fees, and availability is limited to the US and UK. A strong all-in-one choice for US users who want payments and investing in one place.
Avantages
- Free P2P and a free customizable Cash Card
- Built-in Bitcoin & stock investing
- Direct deposit and banking-style features
Inconvénients
- Limited to US and UK
- Instant transfers & credit-card sends cost extra
- Bitcoin buys carry a 2–3% spread
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 4.0 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.