Monzo vs Monese
Pohled na to, jak si tyto dvě peněženky stojí vedle sebe — a která vyhrává pro jakou úlohu.
| Funkce | Monzo | Monese |
|---|---|---|
| Skóre | 4.4 / 5 | 3.2 / 5 |
| Nejlepší pro | Everyday UK banking and budgeting | Opening an account without local credit history |
| Měsíční poplatek | Free → Plus/Premium plans | Free plan; paid plans available |
| Směnný kurz | Mastercard rate, no Monzo markup | FX fee on free plan; lower on paid |
| Odeslat / přijmout | Free UK transfers | Free Monese-to-Monese |
| Výběry | Free in UK; overseas cap then fee on free plan | Monthly free cap, then fee |
| Karta | Yes — debit Mastercard | Yes — debit card |
| Dostupnost | UK (US in rollout) | UK + EEA |
| Měny | GBP (spends abroad at Mastercard rate) | GBP, EUR, RON (hold others) |
| Regulace | UK PRA/FCA full banking licence (FSCS protected) | UK FCA; EEA e-money via partners |
| Založeno | 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.
Klady
- Full UK bank, FSCS-protected deposits
- Excellent budgeting with Pots and categories
- No FX markup on card spending
Zápory
- GBP-only current account
- Overseas ATM limits on the free plan
- Best perks on paid tiers
Monese
Monese is a UK-based e-money app aimed at expats and newcomers, letting people open an account without a local credit history and hold several currencies. It is quick to set up and useful for the underbanked, though free-plan fees, its e-money (not full-bank) status and reported financial-stability concerns are worth weighing.
Klady
- Open an account with no local credit check
- Good for expats and newcomers
- Hold multiple currencies
Zápory
- Free-plan FX and ATM fees add up
- The company has faced financial-stability concerns
- Not a full bank (e-money)
Závěr
Celkově se Monzo dostává mírně dopředu se skóre 4.4 oproti 3.2 — ale správná volba závisí na vašich prioritách. Než se rozhodnete, porovnejte obě se svou zemí a způsobem využití.