Monzo vs Curve
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Curve |
|---|---|---|
| Note | 4.4 / 5 | 3.8 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Consolidating multiple cards into one |
| Frais mensuels | Free → Plus/Premium plans | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Taux de change | Mastercard rate, no Monzo markup | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Envoyer / recevoir | Free UK transfers | N/A (overlays existing cards) |
| Retraits | Free in UK; overseas cap then fee on free plan | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Carte | Yes — debit Mastercard | Yes — single Mastercard overlaying your cards |
| Disponibilité | UK (US in rollout) | UK and EEA (residents aged 18+) |
| Devises | GBP (spends abroad at Mastercard rate) | Spends in multiple currencies via linked cards |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised e-money institution |
| Création | 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.
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
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. Its free Curve Pay plan includes only £/€250 of fee-free FX a month and adds a 1.5% weekend fee, so its best travel value sits in the paid tiers. An overlay layer rather than a bank or transfer account.
Avantages
- Combine all cards into one card & app
- No FX fee on paid plans up to high monthly allowances
- "Go Back in Time" to switch a payment's card
Inconvénients
- Free plan: 2.99% FX above £/€250 a month plus 1.5% at weekends
- Not a transfer/IBAN account — overlay only
- Best features behind paid plans
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.