Monzo vs MiFinity
Взгляд на то, как эти два кошелька соотносятся бок о бок — и какой из них побеждает для какой задачи.
| Функция | Monzo | MiFinity |
|---|---|---|
| Оценка | 4.4 / 5 | 3.4 / 5 |
| Лучше всего для | Everyday UK banking and budgeting | International online payments |
| Ежемесячная комиссия | Free → Plus/Premium plans | No standard monthly fee |
| Курс обмена | Mastercard rate, no Monzo markup | Conversion margin applies |
| Отправка / получение | Free UK transfers | Free wallet-to-wallet |
| Выводы средств | Free in UK; overseas cap then fee on free plan | Varies by method |
| Карта | Yes — debit Mastercard | Yes — prepaid Mastercard (select regions) |
| Доступность | UK (US in rollout) | 100+ countries |
| Валюты | GBP (spends abroad at Mastercard rate) | Multiple major currencies |
| Регулирование | UK PRA/FCA full banking licence (FSCS protected) | Central Bank of Ireland; Isle of Man FSA |
| Основан | 2015 | 2015 |
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
MiFinity
MiFinity is an Ireland-based e-wallet used for online payments across 100+ countries, supporting many local funding methods, multiple currencies, eVouchers and an optional prepaid Mastercard. Its strength is broad payment-method and currency coverage, though conversion and withdrawal costs vary and brand recognition trails the larger wallets.
Плюсы
- Supports many local payment methods and currencies
- Fast wallet-to-wallet transfers
- eVoucher top-up option
Минусы
- Conversion and withdrawal fees vary
- Card availability is region-dependent
- Lower brand recognition than PayPal or Skrill
Итог
В целом Monzo выходит вперёд с оценкой 4.4 против 3.4 — но правильный выбор зависит от ваших приоритетов. Перед решением сверьте оба варианта со своей страной и сценарием использования.