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 | No standard monthly fee |
| Обмінний курс | Mastercard rate, no Monzo markup | Conversion fee varies |
| Надсилання / отримання | Free UK transfers | First 5 sends/mo free; ~2.5% after |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | ~1% + external charges |
| Картка | Yes — debit Mastercard | Yes — Jeton Card (Visa/Mastercard/UnionPay) |
| Доступність | UK (US in rollout) | 100+ countries |
| Валюти | GBP (spends abroad at Mastercard rate) | 50+ currencies |
| Регулювання | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; Central Bank of Cyprus |
| 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 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.
Плюси
- Supports 50+ currencies and 70+ payment methods
- Available in 100+ countries
- Card works with Visa, Mastercard & UnionPay
Мінуси
- ~2.5% fee on frequent sends after the 5th/month
- ~1% withdrawal fee plus external charges
- Thinner merchant acceptance than Skrill
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.