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 | No standard monthly fee |
| Kurs wymiany | Mastercard rate, no Monzo markup | Conversion fee varies |
| Wysyłanie / odbiór | Free UK transfers | First 5 sends/mo free; ~2.5% after |
| Wypłaty | Free in UK; overseas cap then fee on free plan | ~1% + external charges |
| Karta | Yes — debit Mastercard | Yes — Jeton Card (Visa/Mastercard/UnionPay) |
| Dostępność | UK (US in rollout) | 100+ countries |
| Waluty | GBP (spends abroad at Mastercard rate) | 50+ currencies |
| Regulacja | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; Central Bank of Cyprus |
| 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 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.
Zalety
- Supports 50+ currencies and 70+ payment methods
- Available in 100+ countries
- Card works with Visa, Mastercard & UnionPay
Wady
- ~2.5% fee on frequent sends after the 5th/month
- ~1% withdrawal fee plus external charges
- Thinner merchant acceptance than Skrill
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.