Monzo vs Luxon Pay
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | Luxon Pay |
|---|---|---|
| Оценка | 4.4 / 5 | 3.8 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | High-volume players wanting fast free transfers |
| Ежемесячная комиссия | Free → Plus/Premium plans | No monthly fee listed |
| Курс обмена | Mastercard rate, no Monzo markup | 2% Standard; 1% Classic; 0.5% Premium; 0% Noir |
| Отправка / получение | Free UK transfers | Free between Luxon Pay users |
| Выводы средств | Free in UK; overseas cap then fee on free plan | SEPA free; SWIFT EUR 20 (free on Premium and Noir); ATM 1% |
| Карта | Yes — debit Mastercard | Yes — Luxon Pay Mastercard issued by Monavate UAB |
| Доступность | UK (US in rollout) | 132 countries (per Luxon) |
| Валюты | GBP (spends abroad at Mastercard rate) | 38 account currencies |
| Регулирование | 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 |
| Основан | 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.
Плюсы
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Минусы
- 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.
Плюсы
- Free vIBAN bank and card deposits
- Free instant transfers between Luxon Pay users
- Free SEPA withdrawals on every tier
Минусы
- 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
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.8 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.