Monzo vs Curve
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Curve |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Consolidating multiple cards into one |
| Ежемесячная комиссия | Free → Plus/Premium plans | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Курс обмена | Mastercard rate, no Monzo markup | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Отправка / получение | Free UK transfers | N/A (overlays existing cards) |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Карта | Yes — debit Mastercard | Yes — single Mastercard overlaying your cards |
| Доступность | UK (US in rollout) | UK and EEA (residents aged 18+) |
| Валюты | GBP (spends abroad at Mastercard rate) | Spends in multiple currencies via linked cards |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised e-money institution |
| Основан | 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.
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
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.
Плюсы
- 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
Минусы
- 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
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.