Monzo vs Chime
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Chime |
|---|---|---|
| Ocena | 4.4 / 5 | 4.1 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Everyday no-fee banking in the US |
| Opłata miesięczna | Free → Plus/Premium plans | No monthly fee |
| Kurs wymiany | Mastercard rate, no Monzo markup | N/A (US) |
| Wysyłanie / odbiór | Free UK transfers | Free Pay Anyone transfers |
| Wypłaty | 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) |
| Dostępność | UK (US in rollout) | United States |
| Waluty | GBP (spends abroad at Mastercard rate) | USD |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| Założono | 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.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- 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.
Zalety
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Wady
- US-only
- Not a bank itself — services via partner banks
- No physical branches
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 4.1 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.