Monzo vs Jeton
Una mirada en paralelo a cómo se comparan estos dos monederos, y cuál gana en cada tarea.
| Función | Monzo | Jeton |
|---|---|---|
| Puntuación | 4.4 / 5 | 3.4 / 5 |
| Ideal para | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Comisión mensual | Free → Plus/Premium plans | No standard monthly fee |
| Tipo de cambio | Mastercard rate, no Monzo markup | Conversion fee varies |
| Enviar / recibir | Free UK transfers | First 5 sends/mo free; ~2.5% after |
| Retiradas | Free in UK; overseas cap then fee on free plan | ~1% + external charges |
| Tarjeta | Yes — debit Mastercard | Yes — Jeton Card (Visa/Mastercard/UnionPay) |
| Disponibilidad | UK (US in rollout) | 100+ countries |
| Divisas | GBP (spends abroad at Mastercard rate) | 50+ currencies |
| Regulación | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; Central Bank of Cyprus |
| Fundación | 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.
Pros
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contras
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Jeton
Jeton is a London-based, FCA-regulated wallet supporting 50+ currencies and 70+ payment methods across 100+ countries, with a multi-network Jeton Card and Apple/Google Pay. It covers gaming and general online payments well and carries strong security certifications, though frequent senders face a ~2.5% fee after five monthly transfers and merchant acceptance trails the Paysafe giants. A capable mid-tier option for multi-currency users.
Pros
- Supports 50+ currencies and 70+ payment methods
- Available in 100+ countries
- Card works with Visa, Mastercard & UnionPay
Contras
- ~2.5% fee on frequent sends after the 5th/month
- ~1% withdrawal fee plus external charges
- Thinner merchant acceptance than Skrill
En resumen
En conjunto, Monzo se adelanta con una puntuación de 4.4 frente a 3.4, pero la elección correcta depende de tus prioridades. Compara ambos según tu país y tu caso de uso antes de decidir.