Monzo vs Jeton
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Jeton |
|---|---|---|
| Note | 4.4 / 5 | 3.4 / 5 |
| Idéal pour | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Frais mensuels | Free → Plus/Premium plans | No standard monthly fee |
| Taux de change | Mastercard rate, no Monzo markup | Conversion fee varies |
| Envoyer / recevoir | Free UK transfers | First 5 sends/mo free; ~2.5% after |
| Retraits | Free in UK; overseas cap then fee on free plan | ~1% + external charges |
| Carte | Yes — debit Mastercard | Yes — Jeton Card (Visa/Mastercard/UnionPay) |
| Disponibilité | UK (US in rollout) | 100+ countries |
| Devises | GBP (spends abroad at Mastercard rate) | 50+ currencies |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; Central Bank of Cyprus |
| Création | 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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- 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.
Avantages
- Supports 50+ currencies and 70+ payment methods
- Available in 100+ countries
- Card works with Visa, Mastercard & UnionPay
Inconvénients
- ~2.5% fee on frequent sends after the 5th/month
- ~1% withdrawal fee plus external charges
- Thinner merchant acceptance than Skrill
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.4 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.