Monzo vs Google Wallet
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Google Wallet |
|---|---|---|
| Ocena | 4.4 / 5 | 4.3 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Contactless payments & passes on Android |
| Opłata miesięczna | Free → Plus/Premium plans | Free |
| Kurs wymiany | Mastercard rate, no Monzo markup | Uses your card's FX terms |
| Wysyłanie / odbiór | Free UK transfers | No Google fee; send money only in India and Singapore |
| Wypłaty | Free in UK; overseas cap then fee on free plan | N/A |
| Karta | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Dostępność | UK (US in rollout) | Countries on Google supported-countries list; tap to pay varies by country |
| Waluty | GBP (spends abroad at Mastercard rate) | Local card currency |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Założono | 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.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- 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.
Zalety
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Wady
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 4.3 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.