Monzo vs Jeton
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Jeton |
|---|---|---|
| Оценка | 4.4 / 5 | 3.4 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Ежемесячная комиссия | Free → Plus/Premium plans | Maintenance, monthly and annual fees waived |
| Курс обмена | Mastercard rate, no Monzo markup | Not published on the public fee page |
| Отправка / получение | Free UK transfers | Shown in the app (not on the public fee page) |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Not published on the public fee page |
| Карта | Yes — debit Mastercard | Yes — Jeton Card (virtual and physical) |
| Доступность | UK (US in rollout) | Connected with 25+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | Multiple currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Jeton Bank Limited — Financial Services Unit, Dominica |
| Основан | 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Минусы
- 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.
Плюсы
- 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
Минусы
- 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
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.