Monzo vs Cash App
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Cash App |
|---|---|---|
| Оценка | 4.4 / 5 | 4.0 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Simple everyday banking and payments |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free |
| Курс обмена | Mastercard rate, no Monzo markup | N/A |
| Отправка / получение | Free UK transfers | Free standard P2P; instant ~0.5–1.75% |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Standard free; instant-to-debit fee |
| Карта | Yes — debit Mastercard | Yes — Cash Card (Visa debit) |
| Доступность | UK (US in rollout) | United States & United Kingdom |
| Валюты | GBP (spends abroad at Mastercard rate) | USD (US), GBP (UK) |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FinCEN (MSB), US state licences; Block, Inc. |
| Основан | 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.
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
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.
Плюсы
- Free P2P and a free customizable Cash Card
- Built-in Bitcoin & stock investing
- Direct deposit and banking-style features
Минусы
- Limited to US and UK
- Instant transfers & credit-card sends cost extra
- Bitcoin buys carry a 2–3% spread
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.