Monzo vs Chime
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Chime |
|---|---|---|
| Note | 4.4 / 5 | 4.1 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Everyday no-fee banking in the US |
| Frais mensuels | Free → Plus/Premium plans | No monthly fee |
| Taux de change | Mastercard rate, no Monzo markup | N/A (US) |
| Envoyer / recevoir | Free UK transfers | Free Pay Anyone transfers |
| Retraits | Free in UK; overseas cap then fee on free plan | Free at 60,000+ in-network ATMs |
| Carte | Yes — debit Mastercard | Yes — Visa debit (plus Credit Builder card) |
| Disponibilité | UK (US in rollout) | United States |
| Devises | GBP (spends abroad at Mastercard rate) | USD |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| 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
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.
Avantages
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Inconvénients
- US-only
- Not a bank itself — services via partner banks
- No physical branches
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 4.1 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.