Monzo vs Google Wallet
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Google Wallet |
|---|---|---|
| Note | 4.4 / 5 | 4.3 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Contactless payments & passes on Android |
| Frais mensuels | Free → Plus/Premium plans | Free |
| Taux de change | Mastercard rate, no Monzo markup | Uses your card's FX terms |
| Envoyer / recevoir | Free UK transfers | No Google fee; send money only in India and Singapore |
| Retraits | Free in UK; overseas cap then fee on free plan | N/A |
| Carte | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Disponibilité | UK (US in rollout) | Countries on Google supported-countries list; tap to pay varies by country |
| Devises | GBP (spends abroad at Mastercard rate) | Local card currency |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Création | 2015 | 2011 (Wallet rebrand 2022) |
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
Google Wallet
Google Wallet is the default Android tap-to-pay app, free to use in the countries on Google's supported list, storing payment cards alongside transit, loyalty and event passes. It charges no fee of its own, deferring to your card's terms, but sending money to friends is only offered in India and Singapore. The natural everyday wallet for Android users.
Avantages
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Inconvénients
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 4.3 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.