Monzo vs Jeton
Pohľad na to, ako si tieto dve peňaženky stoja vedľa seba — a ktorá vyhráva pre ktorú úlohu.
| Funkcia | Monzo | Jeton |
|---|---|---|
| Skóre | 4.4 / 5 | 3.4 / 5 |
| Najlepšia na | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Mesačný poplatok | Free → Plus/Premium plans | No standard monthly fee |
| Výmenný kurz | Mastercard rate, no Monzo markup | Conversion fee varies |
| Odoslať / prijať | Free UK transfers | First 5 sends/mo free; ~2.5% after |
| Výbery | Free in UK; overseas cap then fee on free plan | ~1% + external charges |
| Karta | Yes — debit Mastercard | Yes — Jeton Card (Visa/Mastercard/UnionPay) |
| Dostupnosť | UK (US in rollout) | 100+ countries |
| Meny | GBP (spends abroad at Mastercard rate) | 50+ currencies |
| Regulácia | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; Central Bank of Cyprus |
| Založené | 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.
Výhody
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nevýhody
- 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.
Výhody
- Supports 50+ currencies and 70+ payment methods
- Available in 100+ countries
- Card works with Visa, Mastercard & UnionPay
Nevýhody
- ~2.5% fee on frequent sends after the 5th/month
- ~1% withdrawal fee plus external charges
- Thinner merchant acceptance than Skrill
Záverečné zhrnutie
Celkovo sa Monzo dostáva dopredu so skóre 4.4 oproti 3.4 — no správna voľba závisí od vašich priorít. Pred rozhodnutím porovnajte obe s vašou vlastnou krajinou a využitím.