Monzo vs Google Wallet
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | Google Wallet |
|---|---|---|
| Оцінка | 4.4 / 5 | 4.3 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Contactless payments & passes on Android |
| Щомісячна комісія | Free → Plus/Premium plans | Free |
| Обмінний курс | Mastercard rate, no Monzo markup | Uses your card's FX terms |
| Надсилання / отримання | Free UK transfers | No Google fee; send money only in India and Singapore |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | N/A |
| Картка | Yes — debit Mastercard | No standalone card; stores cards, passes & tickets |
| Доступність | UK (US in rollout) | Countries on Google supported-countries list; tap to pay varies by country |
| Валюти | GBP (spends abroad at Mastercard rate) | Local card currency |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Rides card networks; licences by region |
| Засновано | 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.
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
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.
Плюси
- Free to use — Google charges no fee
- Stores cards, transit, loyalty & event passes
- Tokenized payments for added security
Мінуси
- No own account or balance in most markets
- Sending money to friends only in India and Singapore
- Feature set varies widely by country
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 4.3 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.