Monzo vs Luxon Pay
Погляд на те, як ці два гаманці співвідносяться поруч — і який із них перемагає в якому завданні.
| Функція | Monzo | Luxon Pay |
|---|---|---|
| Оцінка | 4.4 / 5 | 3.8 / 5 |
| Найкраще для | Everyday UK banking and budgeting | High-volume players wanting fast free transfers |
| Щомісячна комісія | Free → Plus/Premium plans | No monthly fee listed |
| Обмінний курс | Mastercard rate, no Monzo markup | 2% Standard; 1% Classic; 0.5% Premium; 0% Noir |
| Надсилання / отримання | Free UK transfers | Free between Luxon Pay users |
| Виведення коштів | Free in UK; overseas cap then fee on free plan | SEPA free; SWIFT EUR 20 (free on Premium and Noir); ATM 1% |
| Картка | Yes — debit Mastercard | Yes — Luxon Pay Mastercard issued by Monavate UAB |
| Доступність | UK (US in rollout) | 132 countries (per Luxon) |
| Валюти | GBP (spends abroad at Mastercard rate) | 38 account currencies |
| Регулювання | 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 |
| Засновано | 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.
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
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.
Плюси
- Free vIBAN bank and card deposits
- Free instant transfers between Luxon Pay users
- Free SEPA withdrawals on every tier
Мінуси
- 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
Підсумок
Загалом Monzo вириває перевагу з оцінкою 4.4 проти 3.8 — але правильний вибір залежить від ваших пріоритетів. Перш ніж вирішувати, перевірте обидва щодо власної країни та сценарію використання.