Monzo vs Jeton
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Monzo | Jeton |
|---|---|---|
| Bewertung | 4.4 / 5 | 3.4 / 5 |
| Ideal für | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Monatsgebühr | Free → Plus/Premium plans | Maintenance, monthly and annual fees waived |
| Wechselkurs | Mastercard rate, no Monzo markup | Not published on the public fee page |
| Senden / Empfangen | Free UK transfers | Shown in the app (not on the public fee page) |
| Auszahlungen | Free in UK; overseas cap then fee on free plan | Not published on the public fee page |
| Karte | Yes — debit Mastercard | Yes — Jeton Card (virtual and physical) |
| Verfügbarkeit | UK (US in rollout) | Connected with 25+ countries |
| Währungen | GBP (spends abroad at Mastercard rate) | Multiple currencies |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | Jeton Bank Limited — Financial Services Unit, Dominica |
| Gegründet | 2015 | 2017 |
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.
Vorteile
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nachteile
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Jeton
Jeton is an e-wallet run by Jeton Bank Limited, licensed by the Financial Services Unit of Dominica, connected with 25+ countries and 50 payment methods. Account fees are waived and local bank-transfer top-ups are free, but its public fee page does not list exchange, withdrawal or wallet-to-wallet fees, so check them in the app. Useful for merchants that take Jeton; less transparent than a regulated EU or UK neobank.
Vorteile
- No maintenance, monthly or annual account fees
- Free local bank-transfer top-ups (EUR 10 to 10,000)
- Virtual card from 0.99 USD/EUR
Nachteile
- Exchange, withdrawal and transfer fees are not on the public fee page
- Physical card costs 39.99 USD/EUR
- ATM abroad: 0.5% + 2% of the amount
Das Fazit
Insgesamt liegt Monzo mit einer Bewertung von 4.4 gegenüber 3.4 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.