Monzo vs Jeton
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | Jeton |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.4 / 5 |
| Найкраще для | Everyday UK banking and budgeting | Multi-currency online payments & gaming |
| Щомісячна комісія | Free → Plus/Premium plans | Maintenance, monthly and annual fees waived |
| Обмінний курс | Mastercard rate, no Monzo markup | Not published on the public fee page |
| Надсилання / отримання | Free UK transfers | Shown in the app (not on the public fee page) |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | Not published on the public fee page |
| Картка | Yes — debit Mastercard | Yes — Jeton Card (virtual and physical) |
| Доступність | UK (US in rollout) | Connected with 25+ countries |
| Валюти | GBP (spends abroad at Mastercard rate) | Multiple currencies |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | Jeton Bank Limited — Financial Services Unit, Dominica |
| Засновано | 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.
Плюси
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Мінуси
- 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.
Плюси
- 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
Мінуси
- 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
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 3.4 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.