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 | Free → ~£14.99/mo (Pay→Metal) |
| Курс обмена | Mastercard rate, no Monzo markup | Mid-market weekdays; weekend surcharge |
| Отправка / получение | Free UK transfers | N/A (overlays existing cards) |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Limited free ATM, then fees |
| Карта | Yes — debit Mastercard | Yes — single Mastercard overlaying your cards |
| Доступность | UK (US in rollout) | 30+ European countries (+ US rollout) |
| 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. 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.
Плюсы
- Combine all cards into one card & app
- Mid-market FX on weekdays
- "Go Back in Time" to switch a payment's card
Минусы
- Weekend FX surcharge applies
- 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.