Monzo vs Jeton
Uno sguardo fianco a fianco a come si confrontano questi due portafogli — e quale vince per ciascun compito.
| Caratteristica | Monzo | Jeton |
|---|---|---|
| Punteggio | 4.4 / 5 | 3.4 / 5 |
| Ideale per | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Canone mensile | Free → Plus/Premium plans | No standard monthly fee |
| Tasso di cambio | Mastercard rate, no Monzo markup | Conversion fee varies |
| Invia / ricevi | Free UK transfers | First 5 sends/mo free; ~2.5% after |
| Prelievi | Free in UK; overseas cap then fee on free plan | ~1% + external charges |
| Carta | Yes — debit Mastercard | Yes — Jeton Card (Visa/Mastercard/UnionPay) |
| Disponibilità | UK (US in rollout) | 100+ countries |
| Valute | GBP (spends abroad at Mastercard rate) | 50+ currencies |
| Regolamentazione | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; Central Bank of Cyprus |
| Fondata | 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.
Pro
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Contro
- 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.
Pro
- Supports 50+ currencies and 70+ payment methods
- Available in 100+ countries
- Card works with Visa, Mastercard & UnionPay
Contro
- ~2.5% fee on frequent sends after the 5th/month
- ~1% withdrawal fee plus external charges
- Thinner merchant acceptance than Skrill
In conclusione
Nel complesso, Monzo ha la meglio con un punteggio di 4.4 contro 3.4 — ma la scelta giusta dipende dalle tue priorità. Verifica entrambi rispetto al tuo Paese e al tuo caso d'uso prima di decidere.