Monzo vs Curve
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | Curve |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.8 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Consolidating multiple cards into one |
| Щомісячна комісія | Free → Plus/Premium plans | Curve Pay free; X £/€5.99; Pro £/€9.99; Pro+ £/€17.99 |
| Обмінний курс | Mastercard rate, no Monzo markup | Mastercard wholesale rate; free up to £/€250 a month on Curve Pay, then 2.99% (+1.5% at weekends) |
| Надсилання / отримання | Free UK transfers | N/A (overlays existing cards) |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | Curve Pay 2% (min £/€2); paid plans £/€300–1,000 free a month |
| Картка | Yes — debit Mastercard | Yes — single Mastercard overlaying your cards |
| Доступність | UK (US in rollout) | UK and EEA (residents aged 18+) |
| Валюти | GBP (spends abroad at Mastercard rate) | Spends in multiple currencies via linked cards |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised e-money institution |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Мінуси
- 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.
Плюси
- 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
Мінуси
- 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
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 3.8 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.