Monzo vs Chime
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Monzo | Chime |
|---|---|---|
| Skóre | 4.4 / 5 | 4.1 / 5 |
| Najlepšia na | Everyday UK banking and budgeting | Everyday no-fee banking in the US |
| Mesačný poplatok | Free → Plus/Premium plans | No monthly fee |
| Výmenný kurz | Mastercard rate, no Monzo markup | N/A (US) |
| Odoslať / prijať | Free UK transfers | Free Pay Anyone transfers |
| Výbery | 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) |
| Dostupnosť | UK (US in rollout) | United States |
| Meny | GBP (spends abroad at Mastercard rate) | USD |
| Regulácia | UK PRA/FCA full banking licence (FSCS protected) | Banking via The Bancorp Bank / Stride Bank, N.A. (FDIC) |
| Založené | 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.
Výhody
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nevýhody
- 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.
Výhody
- No monthly, overdraft or minimum-balance fees
- Early direct deposit (up to two days sooner)
- SpotMe fee-free overdraft up to a limit
Nevýhody
- US-only
- Not a bank itself — services via partner banks
- No physical branches
Záverečné zhrnutie
Celkovo sa Monzo dostáva dopredu so skóre 4.4 oproti 4.1 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.