Monzo vs Chime
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Monzo | Chime |
|---|---|---|
| Skóre | 4.4 / 5 | 4.1 / 5 |
| Nejlepší pro | Everyday UK banking and budgeting | Everyday no-fee banking in the US |
| Měsíční poplatek | Free → Plus/Premium plans | No monthly fee |
| Směnný kurz | Mastercard rate, no Monzo markup | N/A (US) |
| Odeslat / přijmout | Free UK transfers | Free Pay Anyone transfers |
| Výběry | Free in UK; overseas cap then fee on free plan | Free at 60,000+ in-network ATMs |
| Karta | Yes — debit Mastercard | Yes — Visa debit (plus Credit Builder card) |
| Dostupnost | UK (US in rollout) | United States |
| Měny | GBP (spends abroad at Mastercard rate) | USD |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| Založeno | 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.
Klady
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Zápory
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Chime
Chime is a US fintech offering fee-free mobile banking through partner banks, with no monthly or overdraft fees, early direct deposit, SpotMe overdraft coverage and a Credit Builder card. It is a strong everyday account for fee-conscious US users, though it is not a bank itself and cash deposits depend on retail partners.
Klady
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Zápory
- US-only
- Not a bank itself — services via partner banks
- No physical branches
Závěr
Celkově se Monzo dostává mírně dopředu se skóre 4.4 oproti 4.1 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.