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 | No standard monthly fee |
| Курс обмена | Mastercard rate, no Monzo markup | Conversion fee varies |
| Отправка / получение | Free UK transfers | First 5 sends/mo free; ~2.5% after |
| Выводы средств | Free in UK; overseas cap then fee on free plan | ~1% + external charges |
| Карта | Yes — debit Mastercard | Yes — Jeton Card (Visa/Mastercard/UnionPay) |
| Доступность | UK (US in rollout) | 100+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | 50+ currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; Central Bank of Cyprus |
| 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 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.
Плюсы
- Supports 50+ currencies and 70+ payment methods
- Available in 100+ countries
- Card works with Visa, Mastercard & UnionPay
Минусы
- ~2.5% fee on frequent sends after the 5th/month
- ~1% withdrawal fee plus external charges
- Thinner merchant acceptance than Skrill
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.