Monzo vs Luxon Pay
Ein direkter Blick darauf, wie diese beiden Wallets abschneiden — und welche für welchen Zweck gewinnt.
| Funktion | Monzo | Luxon Pay |
|---|---|---|
| Bewertung | 4.4 / 5 | 3.8 / 5 |
| Ideal für | Everyday UK banking and budgeting | High-volume players wanting fast free transfers |
| Monatsgebühr | Free → Plus/Premium plans | Free |
| Wechselkurs | Mastercard rate, no Monzo markup | 1% standard; 0% at top VIP |
| Senden / Empfangen | Free UK transfers | Free wallet-to-wallet |
| Auszahlungen | Free in UK; overseas cap then fee on free plan | SWIFT ~EUR 20 standard; free at top tier |
| Karte | Yes — debit Mastercard | Yes — Mastercard (virtual & physical) |
| Verfügbarkeit | UK (US in rollout) | Multiple regions |
| Währungen | GBP (spends abroad at Mastercard rate) | 38+ currencies (plus select crypto) |
| Regulierung | UK PRA/FCA full banking licence (FSCS protected) | FCA-authorised Electronic Money Institution |
| Gegründet | 2015 | 2018 |
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.
Vorteile
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Nachteile
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Luxon Pay
Luxon Pay is an FCA-authorised multi-currency e-wallet known for free transfers and a Mastercard across 38+ currencies, popular with high-volume users. Standard-tier FX and SWIFT fees apply, but high-volume VIP members can reduce nearly all fees to zero.
Vorteile
- Free deposits, withdrawals & internal transfers
- FCA-authorised electronic money institution
- 38+ currencies with virtual & physical Mastercard
Nachteile
- Best rates require high VIP tier deposits
- 1% FX & EUR 20 SWIFT fee at standard tier
- Niche brand with limited mainstream recognition
Das Fazit
Insgesamt liegt Monzo mit einer Bewertung von 4.4 gegenüber 3.8 knapp vorn — doch die richtige Wahl hängt von deinen Prioritäten ab. Prüfe beide für dein Land und deinen Einsatzzweck, bevor du dich entscheidest.