Monzo vs Curve
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Curve |
|---|---|---|
| Ocena | 4.4 / 5 | 3.8 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Consolidating multiple cards into one |
| Opłata miesięczna | Free → Plus/Premium plans | Free → ~£14.99/mo (Pay→Metal) |
| Kurs wymiany | Mastercard rate, no Monzo markup | Mid-market weekdays; weekend surcharge |
| Wysyłanie / odbiór | Free UK transfers | N/A (overlays existing cards) |
| Wypłaty | Free in UK; overseas cap then fee on free plan | Limited free ATM, then fees |
| Karta | Yes — debit Mastercard | Yes — single Mastercard overlaying your cards |
| Dostępność | UK (US in rollout) | 30+ European countries (+ US rollout) |
| Waluty | GBP (spends abroad at Mastercard rate) | Spends in multiple currencies via linked cards |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised e-money institution |
| Założono | 2015 | 2015 |
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
Curve
Curve is a London-based smart card that consolidates all your existing debit and credit cards into one Mastercard and app, with a standout "Go Back in Time" feature to retroactively switch a payment's funding card. It offers mid-market FX on weekdays but adds a weekend surcharge, and its best perks sit behind paid tiers. An overlay layer rather than a bank or transfer account.
Zalety
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Wady
- Weekend FX surcharge applies
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.8 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.