Monzo vs Jeton
Zestawienie obok siebie tych dwóch portfeli — i tego, który wygrywa w jakim zadaniu.
| Funkcja | Monzo | Jeton |
|---|---|---|
| Ocena | 4.4 / 5 | 3.4 / 5 |
| Najlepszy do | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Opłata miesięczna | Free → Plus/Premium plans | Maintenance, monthly and annual fees waived |
| Kurs wymiany | Mastercard rate, no Monzo markup | Not published on the public fee page |
| Wysyłanie / odbiór | Free UK transfers | Shown in the app (not on the public fee page) |
| Wypłaty | Free in UK; overseas cap then fee on free plan | Not published on the public fee page |
| Karta | Yes — debit Mastercard | Yes — Jeton Card (virtual and physical) |
| Dostępność | UK (US in rollout) | Connected with 25+ countries |
| Waluty | GBP (spends abroad at Mastercard rate) | Multiple currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | Jeton Bank Limited — Financial Services Unit, Dominica |
| Założono | 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.
Zalety
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Wady
- 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.
Zalety
- 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
Wady
- 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
Podsumowanie
Ogólnie Monzo wysuwa się na prowadzenie z wynikiem 4.4 wobec 3.4 — ale właściwy wybór zależy od Twoich priorytetów. Przed decyzją sprawdź oba pod kątem swojego kraju i zastosowania.