Monzo vs Luxon Pay
Un comparatif côte à côte de ces deux portefeuilles — et lequel l'emporte selon le besoin.
| Fonctionnalité | Monzo | Luxon Pay |
|---|---|---|
| Note | 4.4 / 5 | 3.8 / 5 |
| Idéal pour | Everyday UK banking and budgeting | High-volume players wanting fast free transfers |
| Frais mensuels | Free → Plus/Premium plans | No monthly fee listed |
| Taux de change | Mastercard rate, no Monzo markup | 2% Standard; 1% Classic; 0.5% Premium; 0% Noir |
| Envoyer / recevoir | Free UK transfers | Free between Luxon Pay users |
| Retraits | Free in UK; overseas cap then fee on free plan | SEPA free; SWIFT EUR 20 (free on Premium and Noir); ATM 1% |
| Carte | Yes — debit Mastercard | Yes — Luxon Pay Mastercard issued by Monavate UAB |
| Disponibilité | UK (US in rollout) | 132 countries (per Luxon) |
| Devises | GBP (spends abroad at Mastercard rate) | 38 account currencies |
| Réglementation | UK PRA/FCA full banking licence (FSCS protected) | card issuer Monavate UAB, authorised by the Bank of Lithuania (licence no. 92); Luxon EU ApS names no licence of its own |
| Création | 2015 | n/a (not stated by Luxon) |
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.
Avantages
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Inconvénients
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Luxon Pay
Luxon Pay is a multi-currency e-wallet run by Luxon EU ApS (Denmark), with 38 account currencies, free transfers between users and a Mastercard issued by Monavate UAB under a Bank of Lithuania licence. Standard-tier users pay 2% on currency exchange and EUR 20 for SWIFT withdrawals; tiers based on quarterly merchant deposits cut FX to 1%, 0.5% or zero.
Avantages
- Free vIBAN bank and card deposits
- Free instant transfers between Luxon Pay users
- Free SEPA withdrawals on every tier
Inconvénients
- Tiers depend on quarterly merchant deposits (Classic from EUR 3,000)
- 2% FX and EUR 20 SWIFT fee at Standard tier
- ATM withdrawals cost 1% on every tier
En résumé
Globalement, Monzo prend l'avantage avec une note de 4.4 contre 3.8 — mais le bon choix dépend de vos priorités. Vérifiez les deux selon votre pays et votre usage avant de décider.