Monzo vs Google Wallet
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Google Wallet |
|---|---|---|
| Оценка | 4.4 / 5 | 4.3 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Contactless payments & passes on Android |
| Ежемесячная комиссия | Free → Plus/Premium plans | Free |
| Курс обмена | Mastercard rate, no Monzo markup | Uses your card's FX terms |
| Отправка / получение | Free UK transfers | No Google fee; send money only in India and Singapore |
| Выводы средств | Free in UK; overseas cap then fee on free plan | N/A |
| Карта | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Доступность | UK (US in rollout) | Countries on Google supported-countries list; tap to pay varies by country |
| Валюты | GBP (spends abroad at Mastercard rate) | Local card currency |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Основан | 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.
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
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.
Плюсы
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Минусы
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 4.3 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.