Monzo vs Chime
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Chime |
|---|---|---|
| Оценка | 4.4 / 5 | 4.1 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Everyday no-fee banking in the US |
| Ежемесячная комиссия | Free → Plus/Premium plans | No monthly fee |
| Курс обмена | Mastercard rate, no Monzo markup | N/A (US) |
| Отправка / получение | Free UK transfers | Free Pay Anyone transfers |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Free at 60,000+ in-network ATMs |
| Карта | Yes — debit Mastercard | Yes — Visa debit (plus Credit Builder card) |
| Доступность | UK (US in rollout) | United States |
| Валюты | GBP (spends abroad at Mastercard rate) | USD |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| 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
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.
Плюсы
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Минусы
- US-only
- Not a bank itself — services via partner banks
- No physical branches
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 4.1 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.